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Commercial Auto Insurance

Commercial Auto Insurance

Your Personal Auto Policy Is Not Enough

If you use vehicles for your business in Burbank, CA or the San Fernando Valley area, a personal auto policy is not sufficient. You should have a separate commercial auto insurance policy, whether you drive one delivery van or oversee a fleet of sales cars.

A commercial auto policy protects you and your employees if one of you is at fault in an accident. It also protects your vehicles, which you rely on to conduct business every day.

What Does Commercial Auto Insurance Cover?

Like a personal auto policy, a commercial auto policy provides at least the minimum liability insurance required by the state of California:

  • $15,000 for injury or death to one person
  • $30,000 for injury or death to more than one person
  • $5,000 for property damage

Liability coverage protects other motorists if someone from your business is at fault in an accident. We usually suggest getting more liability coverage, as the cost of repairing and replacing vehicles, as well as medical care, has gone up considerably.

Also recommended is collision and comprehensive coverage (AKA full coverage), which may be required if you finance your work vehicles. This covers your vehicles if you or an employee are at fault in a crash and gets you back on the road faster, with minimal out-of-pocket costs to your business. It also protects you in the event of theft, vandalism, or loss to fire and many natural disasters.

Commercial auto insurance also covers you when you rent vehicles for work, such as when traveling. Additionally, it can cover situations like employees using their personal vehicles for work, like delivering pizza or flowers.

We Can Tailor a Commercial Auto Policy Just for Your Business

Our independent agents at Escueta Insurance Services have a huge selection of commercial auto products for you to choose from, no matter what size business you own. We can customize your policy better than those big companies can. And you’ll get the benefit of our personalized service, another thing you won’t find with impersonal providers where you’re just another number.

Call us today at 818-840-8010 to tell us about your business vehicle insurance needs. You can also send us your questions and start a quote online. Don’t put your business at risk by not having the proper insurance. Get in touch now.