Commercial Auto Insurance insures your vehicles for physical damage and liability coverages for amounts, situations, and usage not covered by a personal auto policy. This type of business insurance covers a variety of vehicles and is also referred to as commercial vehicle insurance, truck insurance, or fleet insurance.
Why do you need California Commercial Auto Insurance?
- If you are using your auto to transport goods or people for a fee or if you use your auto to conduct a service, you may need a commercial auto insurance policy.
- A commercial auto policy may be appropriate if you need higher limits of liability because of the nature of your work.
- Hauling a considerable weight in tools or equipment or towing a trailer used to conduct your business may require a commercial auto insurance policy.
- A commercial insurance policy may be needed if employees operate the auto or if ownership is in the name of a corporation or partnership.
In general, if an auto is used in tasks related to the operator’s occupation, profession or business, other than commuting, a commercial policy is necessary.
What does Commercial Auto Insurance cover?
Commercial auto insurance, like your personal auto policy, provides similar coverages such as liability, collision, comprehensive, medical payments (or personal injury protection) and uninsured motorists coverage to California and specifically the San Francisco and South San Francisco businesses. However, there are also differences between a commercial auto insurance policy and your personal auto policy that may include eligibility, definitions, coverages, exclusions, and limits..