COMMERCIAL AUTO INSURANCE, EXPLAINED SIMPLY
Many personal auto policies exclude or limit coverage once a vehicle is used for business — for deliveries, client visits, hauling equipment, or work carried out by employees. Commercial auto insurance is designed to help protect vehicles that are owned or used by a business, including cars, vans, pickups, and light trucks.
The coverage and eligibility that may be available depend on a number of factors — including the business itself, the vehicles involved, who drives them, how they’re used, and the insurance carrier.
WHO MAY NEED COMMERCIAL AUTO INSURANCE
Not every business or vehicle will qualify for every option below — eligibility depends on your specific situation.
Contractors
Builders and tradespeople who transport tools, materials, or equipment to job sites.
Delivery Businesses
Businesses that use vehicles to deliver goods, food, or packages to customers.
Landscapers
Crews that haul equipment and travel between properties for landscaping work.
Cleaning Companies
Businesses that travel to multiple locations to provide cleaning services.
Mobile Service Businesses
Businesses that bring services directly to a customer's home or location.
Real Estate Professionals
Agents and brokers who regularly drive for showings, meetings, and client visits.
Small Business Fleets
Businesses that operate more than one vehicle in daily operations.
Businesses With Employee Drivers
Companies where employees drive a vehicle owned by the business.
COMMERCIAL AUTO COVERAGE OPTIONS
Coverage may vary by carrier and policy — here’s an overview of common options to discuss.
Bodily Injury Liability
May help cover injury-related costs to others if a covered vehicle is involved in an at-fault accident, depending on the policy.
Property Damage Liability
May help cover the cost of repairing another person's property if a covered vehicle causes damage.
Collision Coverage
May help pay to repair or replace a covered vehicle after a collision, depending on the policy selected.
Comprehensive Coverage
May help cover damage to a covered vehicle from events other than a collision, such as theft, vandalism, or weather.
Uninsured/Underinsured Motorist
May help protect a business if a covered vehicle is in an accident with a driver who has little or no insurance.
Medical Payments
May be available, depending on the carrier and policy, to help with medical costs after a covered accident.
Hired Auto Coverage
May help extend coverage to vehicles a business rents or leases for work, depending on the policy.
Non-Owned Auto Coverage
May help address liability when employees use their own vehicles for business-related tasks.
Rental Reimbursement
May help cover the cost of a rental vehicle while a covered vehicle is being repaired after a covered claim.
Roadside Assistance
May be available, depending on the policy, to help with towing, lockouts, or other roadside issues.
VEHICLES WE CAN DISCUSS
This page focuses on standard business vehicles. Coverage details depend on the vehicle, its use, and the carrier.
Cars Used for Business
Everyday vehicles used regularly for work, such as client visits or errands.
Pickup Trucks
Trucks used to haul tools, materials, or equipment for a business.
Cargo Vans
Vans used to transport goods, tools, or equipment between locations.
Service Vehicles
Vehicles outfitted for on-site service work, such as repairs or installations.
Light Commercial Trucks
Smaller commercial trucks used for local business operations.
Small Fleets
A handful of vehicles operated together under one business.
Looking for heavy trucks or owner-operator coverage? That falls outside this page.
WHY WORK WITH MARCUS E. LAND
Commercial auto insurance decisions can be complex, especially when a business relies on multiple vehicles, employees who drive, or day-to-day operations that don’t fit a standard policy. Working directly with a licensed California insurance agent means having someone who can walk you through available options and help you understand what different coverages may offer.
Marcus can also help access a range of available insurance markets, offering support whether your business’s situation is straightforward or harder to place.
Three simple steps to get started.
FREQUENTLY ASKED QUESTIONS
What is the difference between personal and commercial auto insurance?
Do I need commercial insurance if I use my personal vehicle for work?
Can employees drive a company vehicle?
What is hired and non-owned auto coverage?
Can I insure several business vehicles?
Do you also insure heavy trucks?
Protect the Vehicles That Keep Your Business Moving
Speak directly with a licensed California agent about your business’s vehicles.