Commercial Auto Insurance

A plumbing contractor in Anaheim totaled his work van last winter. Ran a red light, struck another vehicle. The other driver needed surgery. The plumber's personal auto policy denied the claim because he was on a service call. His personal policy explicitly excluded regular business use. He paid for the other driver's medical bills, the totaled van, and his own medical expenses out of pocket. Over $90,000 gone because he assumed his personal policy covered work driving.

Personal auto policies exclude commercial use. If you drive a vehicle for business purposes on a regular basis, whether making service calls, hauling materials, or traveling between job sites, you need commercial auto coverage. The exclusion exists because commercial driving creates more exposure. You're on the road more miles. You're often in unfamiliar areas. You may have employees driving. You're hauling equipment that affects vehicle handling.

Commercial auto policies provide higher liability limits, coverage for employees operating your vehicles, and options for tools and equipment coverage. You can insure a single work truck or a fleet of vehicles. Coverage extends to hired vehicles you rent for specific projects and non-owned vehicles when employees use personal cars for business errands.

We work with carriers who understand contractor vehicle use. A landscaper's trailer setup differs from an electrician's service van. A GC with a fleet of pickups faces different risks than a tile installer with a single cargo van. The right commercial auto policy matches your specific operations.