Commercial Auto Insurance
Protection for vehicles used in your business.
When a vehicle is used for business, it may have different insurance needs than a personal vehicle. Commercial Auto Insurance can help protect your business from financial losses related to covered accidents, vehicle damage, and certain liability claims.
At VeritasPoint Insurance Services, we help business owners understand their commercial auto coverage options based on how their vehicles are owned, operated, and used.
Support available in English and Vietnamese.
Who May Need Commercial Auto Insurance?
Commercial Auto Insurance may be appropriate when a vehicle is used for business purposes, including:
Business-owned vehicles
Work trucks and vans
Delivery vehicles
Vehicles used to transport business property or equipment
Vehicles driven by employees for business purposes
Vehicles used by contractors
Vehicles used for service calls
Vehicles used to transport customers
Fleets of business vehicles
The appropriate coverage depends on the vehicle, ownership, business operations, and how the vehicle is used.
Commercial Auto vs. Personal Auto
Personal Auto Insurance
Generally designed for vehicles primarily used for personal purposes, such as:
Commuting
Shopping
Family activities
Personal errands
Personal travel
Commercial Auto Insurance
Designed for vehicles used in connection with business operations.
Examples may include:
Delivering products
Visiting customers or job sites
Transporting tools or equipment
Making service calls
Transporting business property
Employee business driving
Using a personal auto policy for business activities when the policy does not provide appropriate coverage can create serious coverage issues.
If you're unsure which type of policy you need, we can help you review your situation.
Commercial Auto Coverage
Liability Coverage
Commercial Auto Liability coverage can help protect your business when an insured vehicle is involved in an accident and the business is legally responsible for covered bodily injury or property damage.
Liability limits should be carefully considered because an accident involving a business vehicle can create significant financial exposure.
Collision Coverage
Collision coverage can help pay for covered damage to a business vehicle resulting from a collision, subject to the policy terms and deductible.
Comprehensive Coverage
Comprehensive coverage can help protect a covered business vehicle against certain non-collision losses.
Examples may include:
Theft
Fire
Vandalism
Certain weather-related damage
Falling objects
Other covered causes of loss
Coverage and exclusions vary by policy.
Uninsured & Underinsured Motorist Coverage
This coverage may help protect you and your business when an accident is caused by a driver who:
Has no liability insurance
Does not have enough liability insurance
Availability and applicable limits depend on the policy and applicable California requirements.
Hired & Non-Owned Auto
Hired Auto
Hired Auto coverage may apply to certain vehicles your business rents, leases, or hires for business purposes.
Non-Owned Auto
Non-Owned Auto coverage may help address certain liability exposures when employees or others use vehicles they do not own for business purposes.
For example:
An employee uses their personal vehicle to make a business delivery or visit a customer.
This coverage does not necessarily insure the employee's vehicle itself. The exact coverage depends on the policy.
Delivery & Service Businesses
Businesses that regularly use vehicles for deliveries or service calls may have additional commercial auto considerations.
Examples include:
Restaurants
Catering businesses
Florists
Food delivery
Cleaning services
Contractors
Plumbing companies
Electrical contractors
HVAC businesses
Landscaping businesses
Mobile service businesses
Vehicle use should be accurately described when applying for coverage.
Contractors & Work Vehicles
Contractors may use vehicles to transport:
Tools
Equipment
Materials
Employees
Supplies
Depending on the operation, additional insurance may be needed beyond commercial auto.
For example:
Commercial Auto + General Liability + Workers' Compensation + Other applicable coverage
We can help you review your overall business insurance needs.
Fleets & Multiple Vehicles
Businesses with multiple vehicles may have additional considerations, including:
Number of vehicles
Vehicle types
Drivers
Driver records
Vehicle usage
Operating radius
Garaging locations
Business operations
Ownership
Claims history
Commercial fleet eligibility and pricing vary by insurance company.
What Can Affect Your Commercial Auto Premium?
Insurance companies may consider factors such as:
Type of business
Vehicle make and model
Vehicle value
Number of vehicles
Vehicle use
Driving radius
Annual mileage
Driver history
Employee drivers
Claims history
Garaging location
Coverage limits
Deductibles
Business operations
Other underwriting factors
Accurate information is important when requesting a commercial auto quote.
Information We May Need
To help review your commercial auto needs, we may ask for:
Business Information
Business name
Type of business
Years in business
Business address
Description of operations
Vehicle Information
Year
Make
Model
Vehicle identification number (VIN)
Vehicle value
Ownership or lease information
Vehicle use
Driver Information
Driver names
Driver licenses
Driving history
Experience
Relationship to the business
Operations
Typical driving radius
Where vehicles are garaged
What is transported
Who operates the vehicles
Whether vehicles are used for deliveries
Whether employees use personal vehicles for business
This information helps determine which insurance options may be appropriate.
How We Help
At VeritasPoint Insurance Services, we look beyond the vehicle itself.
We consider:
Your Business → Your Vehicles → Your Drivers → Your Operations → Your Risks → Your Coverage
Our goal is to help you understand your commercial auto options and identify coverage that fits your business needs.
Personalized support is available in English and Vietnamese.
Ready for a Commercial Auto Review?
Whether you're:
Starting a business
Buying a work vehicle
Adding a company vehicle
Hiring employees
Starting deliveries
Expanding your service area
Adding drivers
Building a fleet
Reviewing your current commercial auto policy
Looking for a new quote
We're here to help.