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Commercial auto insurance for the vehicles your business runs.

Coverage for liability from vehicles used in your business, and for damage to the vehicles you insure. Tell us about your vehicles and drivers and a licensed agent follows up.

Request a quoteWhat it covers

Or call (619) 382-3810, Monday to Friday, 8:30am to 5pm Pacific.

What it covers

What applies, and how much, depends on how your business actually runs.

  • LiabilityInjury or property damage to others that the business is legally liable for, from vehicles used in the business.
  • Damage to your vehiclesDamage to the vehicles covered on the policy.
  • Owned, hired and non-ownedBusiness, personal, hired or non-owned autos, depending on the coverage chosen for each one.

FAQ

Commercial auto, explained plainly

How is commercial auto different from personal auto?

The coverage is similar, but business vehicle exposures are often more complex. A business auto policy usually uses one combined single limit instead of separate bodily injury and property damage limits.

Which vehicles can a business auto policy cover?

Business, personal, hired or non-owned autos, depending on the coverage purchased for each. Each vehicle can be listed with its own coverage.

How are vehicles classified?

By weight (light, medium, heavy and extra heavy) and by use (private passenger, service or commercial).

What limits are common?

Common combined single limits are $500,000 or $1,000,000.

I haul freight for hire. What else applies?

For-hire motor carriers also have federal filing and minimum coverage rules. Our trucking insurance page explains them.

Sources: California Department of Insurance, Commercial Insurance Guide · Insurance Information Institute, small business insurance basics · FMCSA, Insurance Filing Requirements. Coverage, price and approval are decided by the insurance company.

What to have ready

  • How many vehicles you have, and what they are
  • Who drives them, and what they are used for
  • What you have in place now, if anything

What happens next

  1. Tell us what you need. A few quick questions. It takes about two minutes.
  2. We review it. Someone licensed reads every request.
  3. We reach out. We talk it through with you. There is no obligation.
Request a quoteCall (619) 382-3810

Not sure which coverage you need?

Tell us how the business runs. A licensed agent works through which coverage belongs in the conversation.

Start the conversation

You may also need

  • If you request a quote, a licensed insurance agent may contact you.
  • Insurance: Coverage, price and approval are decided by the insurance company.