Commercial auto insurance is essential if your business relies on vehicles for business operations, whether you have a single delivery van or an entire fleet of trucks. Vehicles used for business face risks that are different from those of your personal vehicle. Having the right coverage can make the difference between a significant financial loss and a minor setback.
What Is Commercial Auto Insurance? 
The following are key coverages of a commercial auto insurance policy:
- Liability coverage may help with damage or injury caused to others while driving a company vehicle.
- Collision and comprehensive coverage may help pay for repairs if a company vehicle is damaged in a crash, weather event, vandalism or theft.
- Hired and non-owned auto coverage extends financial protection to rented vehicles or vehicles owned by employees but used for business purposes.
- Uninsured/underinsured motorist coverage may help if a company vehicle is hit by someone with insufficient or no insurance.
Who Needs Commercial Auto Insurance?
Any business owner who uses vehicles for work purposes should consider commercial auto insurance, including:
- Contractors and construction companies
- Delivery services
- Real estate agents and consultants
- Landscapers
- Mobile service providers
It’s important to note that if you use your personal vehicle for business tasks, your personal auto policy may not cover work-related incidents.
Contact Us
Just as every business is unique and has its own risks, you need a commercial auto insurance policy that fits your needs and budget. The team at CCI Insurance Services in Colusa and Yuba City, CA can help you find the right policy for your business. Contact us today for a quote or more information.
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