Many San Diego businesses rely on vehicles for revenue, whether for deliveries, sales, inventory transportation, or servicing calls. All vehicles on the road, including those used for business, are required to obtain commercial auto insurance to protect liability in the event of an accident.

Commercial auto insurance can cover various vehicle types (trucks, cars), drivers, and motorized equipment. It covers bodily injury liability, comprehensive, collision, and property damage when driving a work car, as well as medical payments or Personal Injury Protection (PIP) for the policyholder’s driver and passengers.

To avoid losing your hard-earned money due to an auto accident, make sure your vehicles, products, and drivers are covered in the event of property or vehicle damage, bodily injury, legal fees, and other expenses. With commercial auto insurance, we’ll work with you one-on-one to design a policy that covers everything you need, including:

  • Bodily Injury Liability
  • Personal Injury Protection (PIP) Coverage
  • GAP Coverage
  • Comprehensive Coverage
  • Collision Coverage
  • Uninsured and Underinsured Motorist Coverage


When Your Business Vehicle Is Also Your Personal Vehicle

Employees or executives of a corporation, as well as other individuals who are provided with a company-owned vehicle, may have only that vehicle. They don’t have a personal vehicle and don’t have personal auto insurance. In this case, the insurance may not cover personal use of the car. Add the drive other car coverage endorsement to your auto policy to close this coverage gap. This policy covers the identified person or a member of his or her family while driving an automobile borrowed from a third party.

Why do you need Commercial Auto Insurance?  

In general, if a business automobile is utilized for purposes other than commuting linked to the operator’s occupation, profession, or business, commercial coverage is required.

  • A commercial auto insurance policy may be required if you’re hauling a lot of tools or equipment or if you’re driving a trailer for your business.
  • You may need business auto insurance if you use your vehicle to transport goods or people for a fee or if you use your vehicle to provide a service.
  • If the vehicle is used by employees or is owned by a business or partnership, a commercial insurance policy may be required.

Keeping Premiums Down

The best way to keep your business auto premiums down is to avoid accidents. Driving safety should be emphasized. You should have a well-designed fleet safety program in place. All vehicles should be well maintained.

Ask your agent whether your insurance company has business auto safety resources that you can use to help your organization be accident-free. For more information on reducing the risk of auto accidents, click here.

Do You Require Truck Insurance Filings?

We understand that filing can be perplexing, yet they are necessary for the smooth operation of your company. That’s why we’ve collaborated with organizations like Progressive to help with state and federal applications for commercial truck insurance. An insurance file ensures the government that you have adequate truck insurance coverage for your vehicle. There is a slew of different businesses that make the filing procedure simple. Contact an agent today to discuss insuring your commercial vehicle.

Commercial business insurance provides wide-ranging protection for businesses and their subsidiaries under a single policy. There are various types of commercial business insurance that take care of property, liability, and workers’ compensation, to name a few. While property insurance covers damages to business property and products stored within the premises, liability insurance provides coverage for damages to third parties; and commercial auto insurance covers your vehicles.

Commercial business insurance is an important aspect of any business that cannot be ignored, especially if the business premises are leased or rented and even otherwise. Whatever your commercial insurance needs, we can design a protection program that’s right for you.

Our Commercial Auto Rates and Commercial Apartment Building rates are among the most competitive in California.

Call now for a free quote: 619-276-0492