Commercial Auto Insurance

Commercial Auto Insurance Information

Commercial Auto Insurance in California

Do you need Commercial Auto insurance?

• Do you own a business that owns or uses autos?
• Does your business have employees that use your autos?
• Do you use your auto primarily to conduct business?

If you answered “yes” to any of these questions, then Commercial Auto insurance coverage may suit your needs. Commercial Auto insurance is designed to protect businesses and business owners just like you. Click to the link below to request a quote today!

Greater Los Angeles is among the largest commercial zones in the world, and is home to thousands of businesses from multi-national corporations to family-owned businesses and startups. It’s a place where interstate commerce is critical, and where business owners and their employees travel frequently to deliver their goods and services to others.

If you get behind the wheel as a representative of a business, then you need commercial auto insurance in some shape or form. It’s a lot like personal auto insurance, but is designed to specifically address the liabilities faced by a business that owns or operates vehicles.

With the help of your ANA Insurance Brokerage agent, you’ll gain access to more than 25 years of expertise when it comes to putting together quality commercial auto insurance. Call us today at 323-563-6146 or request your free policy quote online to learn more!

Common Commercial Auto Insurance Questions

How Does Commercial Auto Insurance Work?

If you own a single company car or a fleet of vehicles, then you naturally want proper auto insurance that you can rely on to help you pay for the ramifications of accidents or other damage. Commercial auto insurance provides business owners with the benefits they need to settle these matters without an exceptional financial blow.

Vehicles that might need this coverage might include:

Vehicles owned by a business
Company-owned vehicles driven for personal business

Employee-owned vehicles used for business purposes (aside from commuting)
Personal vehicles whose weights, horsepower and other features classify them as commercial

What Does Commercial Auto Insurance Cover?
Much like private auto insurance, commercial auto insurance offers benefits that will cover any number of unexpected but costly challenges that any business might face when operating vehicles.

The benefits included within most plans are:

Liability Insurance: When an accident is deemed your fault, this coverage help you pay for the damage you do to others (like other drivers) who weren’t in the car with you.

Bodily Injury Liability Coverage: This plan pays for third-party medical bills and sometimes for death benefits.
Property Damage Liability Coverage: This pays for damage to the other party’s property.

Hired/Non-Owned Auto Liability Insurance: This liability coverage extends to vehicles not owned by the business but used by them for business purposes. These might include employees’ personal cars or vehicles that you rent or hire to use temporarily.
Collision Insurance: This covers damage to your own vehicle that you sustained in a wreck.

Comprehensive Insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
Medical Payments Coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. Sometimes, it will cover other losses, such as lost income.
Uninsured/underinsured Insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.

Additionally, other policies and endorsements might help you expand your benefits, such as:

Inland marine insurance

Roadside assistance & rental car reimbursement
Custom parts coverage
Replacement cost vehicle coverage
Gap insurance

How Much Commercial Auto Insurance Do I Need?
Our priority is to work with you to determine the best combination of commercial auto insurance benefits for your needs.

To start, we will ensure that your plan includes all mandatory benefits required by the State of California. At minimum, these coverage limits are:

Further coverage requirements might exist depending on the type of vehicle insured and its intended use. Speak to your agent to learn more.

How Much Does Commercial Auto Insurance Cost?
Countless factors can influence the cost of your commercial auto insurance policy, but our expert agents are committed to working with you to keep these costs affordable, nonetheless. With access to numerous leading carrier options, we can comprehensively search the market to find you the policy solutions that never cause you to break the bank just to receive critical benefits.

$15,000 Bodily Injury Liability Coverage per person
$30,000 Bodily Injury Liability Coverage per accident
$5,000 Property Damage Liability Coverage

Further coverage requirements might exist depending on the type of vehicle insured and its intended use. Speak to your agent to learn more.

How Much Does Commercial Auto Insurance Cost?

Countless factors can influence the cost of your commercial auto insurance policy, but our expert agents are committed to working with you to keep these costs affordable, nonetheless. With access to numerous leading carrier options, we can comprehensively search the market to find you the policy solutions that never cause you to break the bank just to receive critical benefits.