Commercial Auto Insurance for California Small Businesses
You work for yourself. Your vehicle works for you. We insure it like the business asset it is, with coverage that will not drop you when you file a claim, payment terms that do not drain your cash flow, and quotes you can get the same day you call.
Who we cover
We write commercial auto for California's small service businesses.
- Plumbers, electricians, and home-service pros - vans and utility trucks carrying tools and equipment.
- Landscapers and gardeners - work trucks, dump trucks, and the trailers behind them.
- Cleaning companies - carpet cleaners, house cleaners, and janitorial vans.
- Pest control operators - service vehicles running daily routes.
- Contractors and tradespeople - pickups, vans, and trailers carrying tools and materials.
- Food trucks, ice cream trucks, and mobile services - vehicles that are also your storefront.
If your vehicle is involved in how you earn a living, you need commercial coverage. Personal auto policies typically exclude business use, meaning a claim while you were working could be denied. Small fleets of 2 to 10 vehicles are welcome - one policy, one renewal date, one call.
What's covered
A California commercial auto policy generally includes liability (bodily injury and property damage - most commercial work requires 300,000 to 1,000,000 dollar combined single limits), collision, comprehensive, uninsured and underinsured motorist, medical payments, hired and non-owned auto, and coverage for the tools and equipment your vehicle carries. We tailor limits to your actual exposure - a landscaper pulling a 30,000 dollar trailer needs different coverage than a house cleaner running one van.
How fast can you get covered
For most small business situations we can bind same-day. Call us at (858) 299-1300 or fill out the quote form, give us 15 minutes for vehicle, driver, and business details, and we shop multiple carriers to bring you 2 to 4 quotes to compare. Once you bind and make your first payment, your certificate of insurance is emailed within the hour - so a general contractor, property manager, or client waiting on your COI never holds up your job.
Licensed California broker - License #0L87147. Talk to a licensed broker who knows your situation at (858) 299-1300.