Commercial Auto Insurance

As a California business owner, you’ve got a lot on your mind. How can I attract more customers via social media? Is my audience too mature for TikTok? How can I alleviate the supply chain woes that are so prevalent in today’s global economy? These are just a few questions that keep new entrepreneurs up at night.

However, a huge risk that seems to fly under everyone’s radar is a lack of commercial auto insurance. Modern business models are designed to adapt to shifting markets and changing societal norms. In this fluid business environment, a small business owner can use his truck for personal errands as well as corporate activities all in a single day, and that’s okay. While this setup works for all sorts of businesses, vehicles that are used for commercial activities must be covered by commercial auto insurance in California.

Learn why our commercial auto insurance products should be a part of your business strategy today and beyond.

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Importance of Commercial Auto Insurance California

A major source of highway accidents is semi-trucks that are overloaded with goods and guided by overly tired drivers. It’s obvious why these trucks need commercial vehicle insurance in California. It’s not so apparent why personal vehicles that double as work automobiles need commercial insurance policies.

The answer is simple. Your personal auto insurance policy doesn’t cover your car against accidents, theft, or vandalism if the car is being used for commercial activities during the time of the incident.

Not having commercial auto insurance coverage can also expose your company to an expensive lawsuit if you cause an accident while doing work activities with your personal vehicle.

What Does Business Auto Insurance California Cover?

Just like personal auto insurance, commercial auto insurance products vary in coverage options. In general, you can get a commercial auto insurance policy that covers vehicle repairs, property damage payments, and medical expenses due to bodily injuries.

The type of policy and coverage that you’ll need depends on the type of vehicle that you want to insure and how you use that vehicle. Hired/ Non-Owned Auto Liability insurance is a popular insurance product for business operators who use leased, rented, or employee-owned vehicles to conduct business.

Speak with a commercial vehicle insurance broker, Stephanie, at C’side Insurance Agency to get the right coverage for your business.

What Factors Impact the Cost of Commercial Auto Insurance California?

The cost of getting commercial auto insurance for your company vehicles is based on a variety of factors. The main ones have to do with the vehicles themselves. For instance, you can expect to pay more to insure a semi-truck that hauls food and beverages to retailers throughout the week than for a sedan that gets a building inspector from one work site to the next once a week.

Here are some other factors that impact commercial auto insurance rates.

• Driving records
• Number of vehicles
• Type of coverage

A hidden factor that impacts the cost of commercial auto insurance is your chosen commercial vehicle insurance broker. The big conglomerates charge high broker fees that make tough economic times even worse for small businesses. Stephanie at C’side Insurance Agency recognized this problem early in her career and offers affordable commercial auto insurance programs that are tailored to your company’s needs. Call C’side Insurance Agency for a commercial auto insurance quote today.