Licensed California broker - License #0L87147
Commercial Auto Insurance in California
Coverage options for contractor pickups and work vans, NEMT vehicles, and specialty vehicles such as ice cream trucks. We help California businesses compare coverage based on their vehicles, drivers, and day-to-day operations.
Business vehicles we insure
We help California businesses insure the vehicles they rely on every day, with a focus on these three areas:
Contractors
Work pickups, service vans, and utility vehicles for HVAC, plumbing, electrical, landscaping, and cleaning companies.
NEMT & Shuttle
Passenger services including wheelchair-accessible, ambulatory, and gurney vehicles, shuttles, and minibuses.
Specialty
Specialized business vehicles including ice cream trucks, food trucks, and mobile-service vehicles.
From one vehicle to a growing business fleet, we help you review options that fit your operations and contract requirements.
Coverage options and next steps
We review auto liability, comprehensive and collision, uninsured/underinsured motorist, hired and non-owned auto, permanently installed equipment, and any separate protection needed for trailers, tools or cargo. Coverage depends on your operations, carrier eligibility and the issued policy.
01
Share details
Tell us how your vehicles are used. Have vehicle and driver details, current coverage and contract requirements ready.
02
Review options
We review available carrier options, limits, deductibles and exclusions with you.
03
Confirm binding
Coverage begins only after binding and the effective date are confirmed in writing. We then arrange certificates; special wording and endorsements may require carrier review.
Frequently asked questions
Does my personal auto policy cover my work truck?
Usually not once a vehicle is used for business. Personal policies commonly exclude commercial use, so a work pickup, van, or specialty vehicle generally needs a commercial auto policy.
What do you need to quote commercial auto?
Vehicle year, make, model and VIN for each unit, driver names and license numbers, how the vehicles are used, your current coverage if any, and any contract or broker insurance requirements.
Can you insure an ice cream truck or food truck?
Yes. Specialty vehicles are a focus for us. Carrier eligibility depends on the vehicle, equipment, and how and where you operate, so tell us about the truck and your route.
Do you write hired and non-owned auto?
Yes. Hired and non-owned auto can be added to many policies for businesses whose employees drive personal or rented vehicles for work. We review whether it fits your operations.
Talk to a licensed broker about your business vehicles
Tell us about your vehicles, drivers, and how you use them. We will help you compare available coverage options.
Licensed California Insurance Broker - License #0L87147