Business & Commercial Insurance

Commercial auto insurance is a critical component of risk management for businesses that rely on vehicles. It can provide the necessary financial protection to cover the costs associated with vehicle-related incidents, ensuring that your company can operate smoothly in the face of unexpected events.

Is Commercial Auto Insurance Required?

In California, businesses that use vehicles for work purposes must be able to prove financial responsibility for potential third-party accident-related damages. Most California companies do this by purchasing auto liability insurance.

California’s minimum liability requirements are low, so many companies choose to purchase more than the state’s minimum required amount.

Your agent can help evaluate your situation and secure appropriate commercial auto insurance coverage.

Additional Coverage Options

If your company finances vehicles, your lienholder can require physical damage insurance, including comprehensive and collision coverage. These policies may help pay to repair or replace the vehicle after a covered accident or incident, regardless of fault.

Your agent may suggest adding cargo liability insurance, uninsured/underinsured motorist coverage and rental reimbursement coverage to help provide additional financial protection.

If your company uses heavy trucks or equipment, you are subject to higher federal auto liability insurance requirements. This coverage is designed to provide extra financial protection against third-party claims of bodily injury and property damage.

Why Choose a Local Agent

A San Francisco agent can help you navigate the various coverage options, ensure you meet state requirements, and tailor a policy that fits your specific needs. They can also provide valuable advice on risk management and help you understand the claims process should an incident occur.

Contact Us

Contact Jack Lee Fong Insurance Agency for a commercial auto insurance quote.