Commercial Insurance in California
If your business owns vehicles, or your employees drive for work, a personal auto policy typically won't provide the coverage you need. ISU Insurance Services – Atwood Agency, with offices in Placerville and Georgetown, CA, helps businesses throughout El Dorado County and the greater Sacramento region protect their vehicles, drivers, and operations with the right commercial auto policy. From single work trucks to full delivery fleets, our agents can help you find coverage that fits your business.
What Does Commercial Auto Insurance Cover?
Commercial auto insurance provides protection for vehicles owned, leased, or used by a business, including cars, trucks, vans, and specialty vehicles. Policies typically include liability coverage, physical damage coverage, medical payments coverage, and uninsured/underinsured motorist protection, along with options tailored to how your vehicles are used. Because commercial vehicles often carry higher liability exposure than personal vehicles, particularly when used to transport goods, equipment, or passengers, commercial auto policies are structured differently from personal auto insurance.
Coverage Options for Commercial Auto Insurance
- Liability Coverage: Covers bodily injury and property damage your business causes to others while operating a covered vehicle.
- Physical Damage Coverage: Includes collision and comprehensive coverage to repair or replace your vehicle after an accident, theft, or other covered event.
- Hired and Non-Owned Auto Coverage: Protects your business when employees use personal or rented vehicles for work-related tasks.
- Uninsured/Underinsured Motorist Coverage: Provides protection if a driver without adequate insurance causes an accident with your vehicle.
- Medical Payments Coverage: Covers medical expenses for you and your passengers after an accident, regardless of fault.
Who Needs Commercial Auto Insurance?
Contractors, delivery services, wineries, agricultural operations, and any business that owns vehicles or requires employees to drive as part of their job throughout El Dorado County and the greater Sacramento area can benefit from commercial auto insurance. Even businesses that don't own vehicles may need hired and non-owned auto coverage if employees regularly use their own cars for work.
Frequently Asked Questions About Commercial Auto Insurance
- How is commercial auto insurance different from personal auto insurance? Personal auto policies typically exclude business use, such as making deliveries or transporting goods, while commercial auto policies are built to cover these business-related risks, along with higher liability limits and larger vehicle types.
- Is commercial auto insurance required in California? Yes. Vehicles used for business purposes must carry at least the state's minimum liability coverage, and certain vehicle types or uses, such as larger trucks or for-hire transport, may require higher limits.
- Do I need commercial auto insurance if employees use their own vehicles for work? Yes, hired and non-owned auto coverage can protect your business from liability if an employee causes an accident while driving their personal vehicle on company business.
- Can I insure a fleet of vehicles under one policy? Yes, many commercial auto policies can be structured to cover multiple vehicles and drivers under a single policy for easier management.
Get a Commercial Auto Insurance Quote Today
ISU Insurance Services – Atwood Agency is ready to help businesses throughout Placerville, Georgetown, and the greater Sacramento area find the right commercial auto coverage. Contact us today to discuss your fleet or vehicle needs, or visit our Contact Us page to connect with our team and request a quote.
