Commercial Auto Insurance in San Francisco

Personal auto insurance policies are generally not designed to cover vehicles used for business purposes. San Francisco's diverse and high-activity business environment includes many types of companies that may benefit from reviewing whether commercial coverage fits their needs.

Business types that commonly explore commercial auto coverage in San Francisco include:

If your vehicle is registered to your business or used primarily for work purposes, a commercial auto policy may be worth discussing with a licensed agent.

Commercial auto insurance policies can vary by carrier and policy. Depending on the coverage chosen, a policy may include:

Commercial Liability Coverage

May help pay for bodily injury or property damage your business vehicle causes to others in a covered accident.

Collision Coverage

May help pay for damage to a covered business vehicle after a collision, regardless of fault.

Comprehensive Coverage

May help cover certain non-collision losses such as theft, vandalism, or weather-related damage.

Uninsured / Underinsured Motorist Coverage

May help protect your business if a covered driver is in an accident with a driver who has little or no insurance.

Additional Coverages

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 San Francisco can vary based on several factors, including:

• how your vehicles are used and what they carry
• the type, age, and value of covered vehicles
• fleet size and number of listed drivers
• driving records of employees operating the vehicles
• coverage limits and deductible choices
• your ZIP code and operating area within the city and broader Bay Area

Sun Coast General Insurance helps businesses explore commercial auto options in San Francisco and surrounding Bay Area communities.