Commercial Auto Insurance
If your business uses vehicles of any kind, your personal auto insurance policy is not enough. Personal auto policies are designed for personal use and specifically exclude coverage when a vehicle is being used for business purposes. One accident during a business errand could leave you personally responsible for thousands of dollars in damages, medical bills, and legal costs.
Commercial auto insurance protects your business, your employees, and your vehicles when they are being used for work. At Ibrahim Insurance Agency in Corona, CA, we help small businesses and entrepreneurs throughout the Inland Empire find the right commercial auto coverage at a competitive price.
Types of Commercial Auto Coverage We Offer
Commercial Liability Coverage
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Commercial liability coverage pays for injuries and property damage your vehicle causes to others during business operations. This is the foundation of any commercial auto policy and is required by California law for all vehicles operated on public roads.
Collision Coverage
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Collision coverage pays to repair or replace your business vehicle if it is damaged in a crash regardless of who is at fault.
Comprehensive Coverage
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Comprehensive coverage protects your commercial vehicles from damage that is not caused by a collision including theft, vandalism, fire, flooding, and weather-related damage.
Uninsured and Underinsured Motorist Coverage
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Protects your business if one of your vehicles is hit by a driver who has no insurance or insufficient coverage to pay for the damages.
Medical Payments Coverage
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Covers medical expenses for you and your employees after an accident regardless of fault.
Hired and Non-Owned Auto Coverage
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This is a critical coverage for small businesses. Hired auto coverage covers vehicles your business rents or borrows. Non-owned auto coverage covers employees who use their personal vehicles for business purposes. If your employees ever drive their own cars for work, this coverage protects your business from liability.
Cargo Coverage
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If your business transports goods or equipment, cargo coverage protects the items you are hauling in the event of an accident, theft, or damage.
Frequently asked questions
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In most cases, no. Personal auto policies specifically exclude coverage for business use beyond commuting. If you are involved in an accident while driving for work purposes, your personal insurer may deny the claim entirely.
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Yes. If your employees use their personal vehicles for any business purpose and get into an accident, your business could be held liable. Hired and non-owned auto coverage protects you in this situation.
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Cars, trucks, vans, SUVs, pickup trucks, box trucks, trailers, and specialty vehicles can all be covered under a commercial auto policy. The type of vehicle and how it is used will affect your rate.
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Yes. Commercial auto insurance is available for a single vehicle or a full fleet. Many small business owners start with a single-vehicle policy.
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Yes. Any vehicle operated on public roads in California must carry minimum liability insurance regardless of whether it is used for personal or commercial purposes. However, personal auto minimums may not be sufficient for a business. Commercial policies typically offer higher limits appropriate for business risk.