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Business Auto Insurance for Californian Businessowner's Drivers & Vehicles
Protect your fleet of vehicles and drivers by having a tailored business auto insurance plan.
Coverage based on your business, drivers, and exposures.
Access to multiple top rated companies.
Simple guidance from a trusted independent agency.
Takes about 2 minutes - No obligation
What Does Your Commercial Auto Insurance Cover?
Business Vehicles
Provides coverage for company-owned vehicles used for business operations, including cars, vans, and trucks.
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Liability Coverage
Helps cover bodily injury or property damage you or your employees may cause to others while operating a business vehicle.
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Physical Damage
Protects your business vehicles against damage from accidents, theft, vandalism, or other covered events.
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Hired & Non-Owned
Provides liability coverage when employees use rented vehicles or their personal vehicles for business purposes.
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Additional Coverage Options
Collision Coverage
Covers repair or replacement costs if your business vehicle is damaged in a collision with another vehicle or object.
Medical Payments
Helps cover medical expenses for drivers and passengers injured in a covered accident, regardless of fault.
Uninsured Motorist
Protects you if your business vehicle is involved in an accident with a driver who has little or no insurance.
Cargo Coverage
Helps protect goods, tools, or equipment being transported in a business vehicle from loss or damage.
Partnered With Top Insurance Carriers
We work with a number of the highest rated insurance carriers in the nation to ensure our clients receive the best Homeowners options at competitive prices.
Frequently Asked Questions
If you have any additional questions, please email info@bollinsure.com or get a review of all your insurance needs.
What is business auto insurance?
Business auto insurance is designed to help protect vehicles used for business purposes. This can include company owned vehicles as well as liability exposures that arise when employees use vehicles in the course of business operations.
What is physical damage coverage for business vehicles?
Physical damage coverage typically includes collision and comprehensive protection. Collision coverage generally applies to accidents involving another vehicle or object, while comprehensive coverage may apply to events such as theft, vandalism, or certain weather related damage.
Does personal auto insurance cover business use?
Personal auto insurance policies may limit or exclude coverage for certain types of business use. Businesses that regularly use vehicles for work often consider a commercial auto policy to help address those exposures.
What should a business do after a vehicle accident?
If an accident occurs, ensure everyone is safe, contact emergency services if necessary, document the scene if possible, exchange information with other parties involved, and notify the insurance company or broker promptly.
What types of vehicles can be covered under business auto insurance?
Business auto policies may cover a variety of vehicles used for work, including company cars, trucks, vans, and other vehicles owned or operated by the business depending on the policy structure.
What is hired auto coverage?
Hired auto coverage may apply when a business rents, leases, or temporarily uses vehicles for business purposes. This type of coverage helps address liability exposures associated with those vehicles.
What businesses typically need business auto insurance?
Any business that owns vehicles, transports goods, visits clients, or has employees driving for work may consider business auto insurance depending on their operations.
Can a business insure multiple vehicles under one policy?
Yes. Many business auto policies allow multiple vehicles to be insured under one policy, which can help simplify coverage management for companies with vehicle fleets.
What is liability coverage in business auto insurance?
Liability coverage helps protect a business financially if a company vehicle is involved in an accident that causes injury to another person or damage to their property. It may help cover legal expenses, settlements, and damages up to the policy limits.
What is non owned auto coverage?
Non owned auto coverage generally applies when employees use their personal vehicles for business related activities. This coverage helps protect the business if an accident occurs during those activities.
What factors affect the cost of business auto insurance?
Premiums may be influenced by factors such as the number of vehicles, driver history, vehicle type, industry classification, coverage limits, and the claims history of the business.
How often should business auto insurance be reviewed?
Businesses often review their auto insurance annually or when changes occur such as purchasing new vehicles, hiring additional drivers, or expanding operations.
Does your business drive in Los Angeles? Learn more about Los Angeles commercial auto insurnace.