Commercial Auto

Commercial auto insurance is essential because one accident involving a work vehicle can quickly turn into a major financial loss. Whether it’s a collision, property damage, or bodily injury, claims involving business vehicles tend to be more severe and more expensive than personal auto claims. Commercial auto insurance helps protect your business from third-party injuries, vehicle damage, legal costs, and lawsuits that can arise while employees are driving for work purposes.

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In today’s environment, rising repair costs, advanced vehicle technology, and increased litigation mean that the right limits and policy structure matter more than ever. A single uncovered or underinsured accident can put your business contracts, reputation, and financial stability at risk.

Our commercial auto experts help protect your business from costly claims, coverage gaps, and carrier issues that can arise with work vehicles. We work with multiple insurance carriers to structure commercial auto policies the right way—taking into account how vehicles are used, who is driving them, and the risks specific to your industry.

From single work trucks to larger fleets, we help ensure your coverage aligns with your operations so you can focus on running your business with confidence.

Workers’ compensation insurance helps cover medical treatment, lost wages, disability benefits, and return-to-work support when an employee is injured or becomes ill due to their job. In California, coverage is generally required for employers and includes benefits like Temporary Disability, Permanent Disability, Supplemental Job Displacement (voucher), and Death Benefits, while also providing employer liability protection by limiting lawsuits for workplace injuries. The key is making sure your policy is written correctly, class codes, payroll, experience mod, and all.

In California, commercial auto insurance is generally required for vehicles owned or used by a business. Even when not explicitly required by law, commercial auto coverage is often mandatory through contracts, leases, or licensing requirements. Many business owners assume their personal auto policy is sufficient—only to discover coverage issues after a claim.

Industry data shows that a significant number of small businesses are underinsured when it comes to commercial auto, leaving them exposed to out-of-pocket costs and denied claims. That’s why working with an experienced commercial auto advisor is critical to ensure your coverage is set up correctly from the start.