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Personal auto insurance policies are generally not designed to cover vehicles used for business purposes. California's large and varied business landscape means that many types of companies may benefit from reviewing whether commercial auto coverage is the right fit.
Business types that commonly explore commercial auto coverage in California include:
If your vehicle is registered to your business, used to carry equipment or goods, or driven primarily for work purposes, discussing commercial auto coverage with a licensed agent can be a useful step.
Commercial auto insurance policies can vary by carrier and by the specific policy selected. Depending on the coverage chosen, a policy may include:
May help pay for bodily injury or property damage your business vehicle causes to others in a covered accident.
May help pay for damage to a covered business vehicle after a collision, regardless of fault.
May help cover certain non-collision losses, such as theft, vandalism, or weather-related damage to a covered vehicle.
May help protect your business if a covered driver is involved in an accident with a driver who has little or no insurance.
Depending on the carrier and policy, additional options such as hired and non-owned auto coverage, personal injury protection or medical payments may also be available.
Coverage options, limits, and exclusions can vary by carrier and policy. Always review your specific options with a licensed agent.
Commercial auto insurance in California can apply to a range of vehicle types used for business purposes, including:
Eligibility and available coverage can vary by vehicle type, use, and carrier. A licensed agent can help clarify what options may be available for your specific vehicles.
The cost of commercial auto insurance in California can vary based on a number of factors, including:
How your vehicles are used — hauling freight, making deliveries, traveling to job sites — can affect pricing and available coverage options.
The type, age, and value of the vehicles being covered may influence your rate.
Fleet size can affect pricing, as can the types of vehicles included in a multi-vehicle policy.
The driving records of employees or drivers listed on the policy may affect available rates.
Higher limits, lower deductibles, and broader coverage options may increase your premium.
Where your business operates in California can affect pricing, as local rating factors can vary significantly across the state.
Sun Coast General Insurance helps business owners explore commercial auto insurance options throughout California, including major business markets and surrounding communities.
