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🛡️ What Does Commercial Auto Insurance Cover?

• Liability coverage – Bodily injury and property damage caused by your vehicle
• Collision coverage – Repairs or replacement if your vehicle is damaged in an accident
• Comprehensive coverage – Protection from theft, vandalism, fire, weather, and more
• Medical payments – For injuries to you or your employees in a company vehicle
• Uninsured/underinsured motorist – If someone else causes the accident and can’t pay
• Hired and non-owned auto – Covers vehicles not owned by your business but used for work

From plumbers to landscapers, delivery drivers to consultants—if your business relies on vehicles, this policy is a must.

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🚧 Why Small Business Owners Need Commercial Auto Insurance

• It’s legally required if your business owns or operates vehicles in California
• It fills gaps left by your personal auto policy
• It protects your assets and operations if you're involved in an accident
• It helps you get contracts—many clients require proof of coverage

Even if you only use your vehicle occasionally for business, you may be at risk without proper coverage.

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❓ Frequently Asked Questions

Q: Do I need commercial auto insurance if I use my personal vehicle for business?
A: Yes—personal policies often exclude business use. Commercial auto is the proper coverage.

Q: What types of vehicles can be covered?
A: We cover cars, vans, pickups, trailers, food trucks, and more—any business vehicle type.

Q: Can I cover multiple vehicles and drivers?
A: Absolutely. We can bundle your fleet and list employees as approved drivers for one policy.

Q: Is it more expensive than personal auto?
A: Sometimes—but it offers more protection. We quote multiple carriers to get you the best rate.

Q: What if my employees use their own cars?
A: You may need “hired and non-owned auto” coverage to stay protected.

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📝 Get a Fast Commercial Auto Quote

Don’t risk your business or personal finances. At Alta Vista Insurance, we make it fast, easy, and affordable to get the right commercial auto policy for your needs.

Or call us at (760) 639-2345 to speak with a local agent today.

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Alta Vista Insurance Agency – Helping San Diego County Businesses Since 1989.
📍 Carlsbad, CA | Licensed in CA & More