Peace of Mind for Businesses on the Road

Commercial Auto Insurance in San Carlos CA, and San Francisco CA

ISU Lovering Insurance Services understands the value of your commercial vehicles and the employees who drive them. From trips across the country to local deliveries and promotions, your mobile business fleet takes on the open road to keep operations running smoothly – but accidents do happen.

To prevent losing your hard-earned revenue due to an auto accident, you’ll want to ensure that your vehicles, products, and drivers are insured in the event of property or vehicle damage, bodily injury, legal costs, and more.

Truck driver standing in front of red truck

Customized Coverage for Your Business

With Commercial Auto Insurance from ISU Lovering Insurance Services, we’ll work with you one-on-one to create a customized policy that may include:

  • Bodily Injury Liability
  • Medical Payments
  • Personal Injury Protection (PIP) Coverage
  • Comprehensive Coverage
  • Collision Coverage
  • GAP Coverage
  • Uninsured and Underinsured Motorist Coverage

Additional options like Bailee Coverage are available if needed. Bailee Coverage insures property loss or damage when in your company’s care, control, or custody – for example: product protection for items on a semi or delivery truck.

What Does Commercial Auto Cover?

Commercial auto insurance is similar to personal auto insurance in basic coverage, such as liability, comprehensive, collision and other types of coverage that are specific to business vehicle use. A commercial auto policy is designed to protect your business from significant losses that could affect your company’s financial well being.

Commercial auto insurance policies combine several different types of coverage – some are required and some are optional. A typical policy includes some combination of the following:

Bodily Injury Liability

This portion of the commercial auto policy covers harm to others in an accident caused by you or your employee. Bodily injury coverage will provide compensation for medical costs, funeral costs if necessary, and the costs associated with a lawsuit. The amount of compensation your company receives depends upon the limit set on your bodily injury liability coverage, as well as your deductible.

Property Damage Liability

This coverage will pay the costs to repair property damage caused by you or your employee. The amount of coverage you receive is based on the limits you set and your deductibles. It is a good idea to work closely with an independent agent to assess your risks as well as the potential costs of injury, property damage and legal fees. For the best protection, consider buying a commercial umbrella liability policy.

Collision

As with your personal auto policy, a good commercial auto policy should include adequate collision coverage to pay for the damage to your vehicles in the event you or your employees cause an accident.

Comprehensive

Known also as “other than collision,” your comprehensive coverage is an important protection for damage to your vehicle or loss due to causes other than collision. These causes can include weather, theft and vandalism.

Uninsured & Underinsured Motorist

If one of your drivers is in an accident caused by another motorist who does not have adequate insurance, this coverage will help to pay for damages and injuries to your vehicle and your driver, up to the limits set on your policy.

Medical Payments

This coverage pays for medical and/or funeral expenses for you, your drivers and passengers after an accident.

Additional Optional Coverage

A wide range of additional coverage types may be available, depending on the insurance company you work with and the state your business is in. For example, you may be able to buy coverage for your employees when they drive a car or truck your company does not own.

You might also buy coverage for a rental replacement auto if your company car is in the shop. You could opt to get towing and roadside assistance. Some insurance companies even provide very specific coverage for companies who load and unload cargo, due to the increased liability risk involved.

The right commercial insurance can protect you, your business, and all of the drivers in your commercial cars, vans, pickup trucks or limos in an accident. One of the most critical ways to protect your company is by having adequate liability coverage in case you or one of your employees causes an accident that injures another person or damages their property.

Types of Vehicles Commercial Auto Insurance Covers

Commercial automobile insurance is a broad term that refers to most commercial business automobiles, including but not limited to:

  • Company cars
  • Cargo Vans
  • Limos
  • Taxis
  • Buses
  • SUVs
  • Pickup trucks

Commercial auto policies cover personal cars that are used for business, as well as SUVs, light duty trucks, buses, limousines, taxicabs, vans and other delivery vehicles used solely for business purposes.

If you are looking for coverage information on large trucks and heavy equipment used for business purposes, refer to the commercial truck insurance section.

Commercial Auto Insurance
Commercial Trucking Insurance

Does Commercial Auto Insurance Cover Personal Use?

Small business owners and entrepreneurs often use their own cars while on the job without a second thought. However, it is important to know that your personal insurance may not cover commercial use of your auto.

It’s very common for a small business owner to send an employee out on an errand, whether to get supplies from the local store or to give a business consultant a ride from the airport.

If the staff member gets behind the wheel of his own car, and the business owner does not have a commercial auto insurance policy in place that covers that worker and his car, any injuries or damage that result from an accident may not be covered.

Regardless of how much or how little you and your employees use personal vehicles in the course of doing business, getting adequate coverage in place can prevent a financially damaging event from putting your business at risk.

Start your commercial auto quote

Since Commercial Auto Insurance coverage varies, it’s important to discuss your business’s options with a specialist at ISU Lovering Insurance Services who can help you determine the proper amount of coverage for all your commercial needs.