Commercial Insurance
Commercial Auto Insurance in California
Your business vehicles are essential to your operations. Whether you run a fleet of delivery trucks or a single work van, commercial auto insurance from WeInsureCali protects your vehicles, your drivers, and your business from the financial consequences of an accident.
What Is Covered
Coverage at a Glance
Liability Coverage
Covers bodily injury and property damage your business vehicles cause to others. California requires minimum commercial auto liability, but we recommend limits that truly protect your business assets.
Physical Damage
Collision and comprehensive coverage for your business vehicles. Covers accidents, theft, vandalism, weather damage, and animal strikes.
Hired Auto Coverage
Covers vehicles your business rents or leases for temporary use. If an employee rents a car for a business trip and has an accident, this coverage protects your business.
Non Owned Auto
Covers liability when employees use their personal vehicles for business errands. If your office manager runs to the supply store and causes an accident, your business is protected.
Uninsured Motorist
Protects your drivers and vehicles when hit by an uninsured or underinsured driver. With an estimated 15% of California drivers uninsured, this coverage is critical.
Cargo Coverage
Covers goods and materials being transported by your business vehicles. Essential for delivery services, distributors, and businesses that move inventory between locations.
California Context
Why This Matters in California
California law requires commercial auto insurance for any vehicle used primarily for business purposes. Personal auto policies typically exclude business use, leaving you with no coverage if you have an accident while working.
If your employees drive for work, whether in company vehicles or their own cars, your business is liable for accidents they cause. Commercial auto and non owned auto coverage protects your business from these claims.
California's congested roads and highways make accidents more likely. The Central Valley's agricultural traffic, including slow moving farm equipment, creates additional hazards for commercial vehicles.
A serious commercial vehicle accident can generate liability claims in the hundreds of thousands or even millions of dollars. Your personal auto policy limits are not designed for business level exposure.
California's Department of Motor Vehicles requires commercial vehicles over a certain weight to carry higher liability limits. Failing to maintain proper coverage can result in fines and loss of your operating authority.
Important
If your employees ever use their personal cars for business tasks, even occasionally, make sure your commercial policy includes non owned auto coverage. Without it, your business is exposed to liability every time an employee drives to the bank or picks up supplies.
Common Questions
Frequently Asked Questions
Related Coverage Options
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