Commercial Auto Insurance That Keeps Your Business Moving
Coverage built to protect your business when vehicles are used for work—whether it’s one car or an entire fleet.
When Business Driving Requires Commercial Coverage
If a vehicle is owned by your business, registered in the company name, or used primarily for work, a personal auto policy typically isn’t enough. Commercial auto insurance is designed to protect businesses when vehicles are used for deliveries, client visits, job sites, or transporting equipment. Even when employees use their own vehicles for work-related errands, your business can still be held responsible if an accident occurs.
What Commercial Auto Insurance Covers
Commercial auto insurance addresses both liability and vehicle-related losses tied to business use.
Auto Liability Coverage
Protects your business if a driver causes bodily injury or property damage to others. Claims involving business vehicles can be significant, which is why higher liability limits are common.
Physical Damage Coverage
Covers company-owned vehicles for collision, theft, vandalism, fire, or weather-related damage.
Medical Payments (Where Applicable)
Helps cover medical costs resulting from covered auto accidents.
Hired and Non-Owned Auto Coverage
Extends liability protection to vehicles your business doesn’t own, such as employee-owned cars used for work or rented vehicles.
This structure helps close gaps that personal auto policies often leave behind.
Company Vehicles and Employee-Driven Cars
Commercial auto insurance isn’t just for fleets.
- Business-Owned Vehicles
Delivery vans, trucks, or company cars should be insured under a commercial policy to properly reflect their use. - Employee-Owned Vehicles Used for Work
If employees drive personal cars for meetings, deliveries, or errands, hired and non-owned auto coverage helps protect the business if an accident occurs on company time.
Without this protection, liability can fall directly on the business.
Staying Compliant and Protected
Auto liability requirements vary by state, but business vehicles must meet minimum coverage standards wherever they operate. Even when using personal vehicles for work, businesses can still face liability exposure. Commercial auto insurance helps ensure compliance while protecting against costly claims.
Employee injuries resulting from auto accidents are typically handled through workers’ compensation, while auto coverage addresses liability to others.
Coverage for Fleets and Specialized Vehicles
From a single vehicle to a growing fleet, coverage can be structured to match operations. This includes insuring delivery vehicles, service trucks, or passenger vans used to transport people. Limits are often set higher than personal auto policies to better protect business assets in serious accidents.
For added protection, many businesses pair commercial auto with umbrella coverage to extend liability limits.
Keeping Operations on Track After an Accident
Vehicles are often essential to daily operations. Physical damage coverage can help repair or replace vehicles after accidents or theft, reducing downtime. Optional rental or temporary replacement coverage can also help keep your business running while vehicles are out of service.
Drive With Confidence
Commercial auto insurance helps ensure that accidents, injuries, or vehicle losses don’t put your business at risk. Comprehensive Insurance Services works with California businesses to structure coverage that protects vehicles, drivers, and the company behind them. Let’s review how your vehicles are used and put the right protection in place.