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Business coverage

Commercial Auto Insurance

If your business owns vehicles, California requires them to carry commercial auto insurance before they can legally hit the road — a personal policy won't cover a truck or van used for work. Beyond the mandate, it protects you when an employee causes an accident on the clock, where the resulting injury and repair claims land squarely on the business.

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Who this coverage is for

Commercial auto insurance is for businesses that own vehicles used for work, from a single delivery van to a full fleet. If your company owns cars, trucks, or trailers, personal auto policies typically will not cover them.

What it can help protect

This coverage protects your business vehicles and the people and property they encounter on the road:

  • Liability — helps cover injuries or property damage your business vehicle causes to others.
  • Collision — helps repair or replace your vehicle after an accident.
  • Comprehensive — helps with non-collision losses like theft, vandalism, or weather damage.
  • Medical payments — helps cover injuries to your drivers and passengers.
  • Uninsured motorist — helps when an at-fault driver has little or no insurance.
Regularly misunderstood coverages
Commercial Auto vs. Hired & Non-Owned Auto

Vehicles you own vs. rented or employee-owned ones.

Key choices and underwriting factors

A licensed review will usually focus on vehicle list, usage, garaging, and driver profile, DOT or heavy-use considerations when relevant, and requested limits and hired/non-owned gaps.

Common Questions