Commercial Auto Insurance
We offer commercial auto insurance in California, Arizona, Nevada, Colorado, and more. Commercial auto insurance or truck insurance can cover a combination of vehicle types (trucks and cars) and their drivers, as well as other types of motorized equipment. At Gary Warner Insurance Agency, we understand that the best commercial auto insurance rate covers bodily injury liability and property damage while operating a company automobile, medical payments or personal injury protection (PIP) for the driver and passengers of the policyholder's car. Injuries or damage to other people are also covered.
What Makes Our Commercial Auto Insurance Different?
Commercial auto insurance helps cover vehicles owned by your business. Whether you have a fleet or one company vehicle, we’ve got the best commercial auto insurance rate. Cover your business vehicles with commercial car insurance. When your business owns vehicles, there are unique risks that come into play that you need to account for. With a business auto insurance policy, you can safeguard against those risks. Add an extra layer of coverage to your auto policy. A vehicle collision is never good news, but when it’s one of the cars or trucks owned by your business, the consequences are more complicated. Business auto insurance takes all the elements of normal auto coverage and adds extra protection. This may include coverage for the following:
- Bodily injuries
- Collisions
- Named perils
- Property damage
Our policies include a variety of options to suit your specific business needs:
- Hired/non-owned auto liability: Are you renting cars, or are your employees using their own vehicles? This particular coverage provides business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired), or a non-owned vehicle (employee using their own vehicle on company business). Oftentimes, this coverage can be added inexpensively to a business auto policy, or in some cases, a general liability policy.
- Use of personal vehicles: Insurance policies for privately owned vehicles may not cover damage to your privately owned car or truck when it is used for business, even home cosmetics, jewelry sales, or a pizza delivery business.
Higher Liability Coverage Than Auto Insurance for Individuals
When obtaining commercial insurance, including auto coverage, you may usually get much higher liability coverage to reflect the fact that a business typically has more assets at risk than an individual would. Additionally, you can get collision insurance. This type of coverage pays out for damage to your vehicles, no matter who caused the collision, a protection that’s often a must if you lease or finance commercial vehicles. We also offer commercial property insurance to cover your place of business.
Do Your Employees Need Coverage on Their Personal Vehicles?
If your employees are using their own personal vehicles for business-related reasons and they get into an accident, your business might be held liable. With non-owned automobile insurance, your business may be protected.
Essential for Employees Who Use Their Own Vehicles for Work
It’s also worth considering non-owned auto liability coverage, which is an add-on or a separate policy covering those instances when your employees drive their own personal cars or trucks as part of their work for your business. This type of protection may help reduce the risk of messy legal complications if they are injured or their vehicle is damaged while on the job. Business auto insurance is essential for those who run a business.
Insure with Us Today
While most commercial auto insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you. There’s no such thing as a one-size-fits-all insurance policy when it comes to your business. We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent, to be both affordable and responsive. Let our insurance agency help you protect what you care about most. Every business is unique. Talk to our insurance agency today to find out how to get the best commercial auto insurance rate, service, and value. Give us a call at 818-706-8625. One of our licensed agents will be happy to discuss your business’s needs. Get a quote today.