Commercial Auto Insurance
Commercial Auto Insurance Information
California Commercial Auto Insurance
As both America’s largest economy and one of its biggest states, California plays host to a huge amount of interstate commerce. As part of your job, you might drive to visit clients in a company car, transport deliveries or travel between work sites. At this time, your business assumes liability for your driving. That’s why every business that owns or operates vehicles needs commercial auto insurance.
Roman Empire Insurance is the locally owned and operated agency that businesses in Burbank, Irvine, Orange County and greater Los Angeles trust with all their insurance needs. We’re here to help you design tailored commercial auto insurance benefits that will provide you far-reaching protection at times when you need it most.
To get your policy, call us at (805) 876-3006 or request your free commercial auto quote now.
Common Commercial Auto Insurance Questions
What is Commercial Auto Insurance Used For?
If you drive for business, then you must be as responsible as any other driver, and buy car insurance. Still, a vehicle used for business needs vastly different coverage than a private car. Commercial auto insurance will supply those benefits.
The right commercial auto insurance will protect your vehicles, employees and company assets against the liabilities that come with commercial driving. Any accident might prove very expensive and troublesome for the business. Commercial auto insurance makes sure you have the resources to help your company recover from these challenges.
Who Needs Commercial Auto Insurance?
If you fall into the following categories, then you might need commercial auto insurance:
Your business is the owner of a single vehicle or a fleet.
You drive your personal car for business purposes (commuting does not count).
You drive a business-owned vehicle while off the job.
The vehicle meets certain weight and size limits that qualify it as commercial, even if you only plan to drive it privately.
What Does Commercial Auto Insurance Cover?
Commercial auto insurance is customizable to the policyholder. Benefits that you should carry include:
Hired/Non-Owned Auto Liability Insurance: This liability coverage extends to vehicles not owned by the business but used by them for business purposes. These might include employees’ personal cars or vehicles that you rent or hire to use temporarily.
Collision Insurance: Covers damage to your own vehicle that you sustained in a wreck.
Comprehensive Insurance: Coverage pays for damage from non-accident mishaps like weather damage, fires, theft, vandalism or similar accidents.
Medical Payments Coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills and sometimes will cover other losses, like lost income.
Uninsured/underinsured Insurance: Insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.
Additional benefits that can protect you against niche risks include:
Inland marine insurance/motor truck cargo coverage
Roadside assistance & rental car reimbursement
Custom parts coverage
Replacement cost vehicle coverage
You can add many of these benefits to your commercial auto policy. Others like inland marine coverage, workers’ compensation insurance and bonds, you will have to buy separately.
Is Commercial Auto Insurance Required?
Like all other drivers, commercial drivers in Texas must carry minimum amounts of liability insurance. These are:
$15,000 Bodily Injury Liability Coverage per person
$30,000 Bodily Injury Liability Coverage per accident
$5,000 Property Damage Liability Coverage
Please Note: truckers, passenger haulers, or drivers who transport hazardous materials will likely have higher liability coverage requirements. Speak to your agent to learn more.
How Much Should Commercial Auto Insurance Cost?
Multiple factors could impact your policy cost, such as the size and value of your fleet, your chosen coverage limits and where you drive. The records of employee drivers also can influence costs.
Our agents are committed to helping you build the plan that won’t sacrifice coverage just to get you an affordable price. We work with numerous industry-leading carriers, and they all offer competitively priced plans that are still customizable to the consumer’s needs.