Commercial Truck Insurance
Commercial auto liability insurance covers a business's most important assets, including:
- Cars
- Trucks
- Vans
If you use a vehicle during the course of your operations, it must be covered by insurance. Whether you have a single car or a fleet of trucks, insurance is a necessity in California. The state’s trucking industry is heavily regulated, requiring you to meet strict insurance requirements for each vehicle in your fleet.
Types of Commercial Trucks We Insure
We make commercial auto insurance in California easy, with coverage for all of your vehicles. Our agents provide policy quotes for vehicles of all types, including but not limited to:
- Auto hauler trailers
- Automobiles
- Box trucks
- Dump trucks
- Flatbed trucks
- Front loaders
- Garbage trucks
- Semi-trucks
- Tankers
- Tractor-trailers
Don’t see your vehicle type on the list above? Speak to one of our agents who will be more than happy to assist you. Chances are, we offer coverage for your vehicle type to protect your business.
What Our Commercial Auto and Truck Insurance Looks Like
Commercial auto insurance covers nearly all incidents to protect your business. We even include add-on customizations so that you can mix and match your options to fit your risk tolerance.
Coverage can include but is not limited to the following:
- Collision: Any physical damage to your vehicle, regardless of fault. Multiple levels of coverage are available to either pay for repairs or a replacement if the vehicle or trailer is beyond repair.
- Downtime: Coverage for any lost income your business sustains because of the loss of use of the vehicle. For example, if you cannot haul prebooked loads due to the truck or trailer damage, your downtime coverage will pay for these losses.
- Extended towing: Accidents happen when you least expect them. Extended towing will tow your vehicle closer to your business so that repairs are made locally.
- Loan gap: Gap coverage eliminates the risk of having a larger debt on your vehicle’s loan if its current value is less than what you owe and the insurer’s compensation doesn’t cover the difference.
- Non-trucking liability: Incidents that occur outside of business activities are rarely covered. Non-trucking liability covers both non-business and personal use damages.
- Occupational accident: Work accident injury coverage that includes both accidental death and dismemberment.
- Passenger accident: Coverage for anyone who may be riding along with the vehicle operator who is not an employee. For example, family members and friends who are in the vehicle at the time of the accident will be covered under passenger accident insurance.
- Truck rental reimbursement: Rental coverage will reimburse you for a portion of your rental cost while you’re waiting for your vehicle to be repaired.
Ready to receive a custom policy quote for your commercial auto insurance? Get a free quote today.
Why Businesses Across California Trust Us With Their Trucks
We know that one-size-fits-all insurance leaves your business exposed to unforeseen risks, which is one of the main reasons policyholders choose us. Our insurance includes options for:
- Customized policies that we tailor to your exact needs. We allow you to protect your livelihood with the level of coverage that fits your risk and budget tolerance.
- Flexible payments are possible online, by mail, e-check, physical check, debit or credit card and more. Pay your bill monthly to keep costs low, in two equal halves or pay the full premium at one time. It’s up to you.
- Efficient claims service that gives you peace of mind the moment you call us. We’ll get you back on the road as soon as possible and discuss your options in the interim.
- DMV service is available at all times through our agents. We’ll send electronic verification of your coverage to the DMV to prove that you have adequate insurance coverage that meets California’s requirements.