Commercial Auto Insurance

Commercial Auto Insurance

Sacramento businesses rely heavily on vehicles – from delivery trucks navigating downtown's one-way streets to service vans traveling throughout the Central Valley for client calls. Commercial auto insurance protects your business when employees drive for work, and it's completely different from personal auto coverage in ways that can make or break your company.

The distinction matters more than most business owners realize. If an employee causes an accident while making a delivery or driving to a client meeting, personal auto insurance can deny coverage entirely because the vehicle was used for business purposes. That leaves your business personally responsible for medical bills, property damage, and legal costs that could easily exceed $100,000.

Commercial auto covers liability, collision, and comprehensive damage while also protecting business equipment you transport, covering rental vehicle costs when your trucks are being repaired, and providing the higher liability limits that businesses actually need. Sacramento's heavy traffic on routes like I-80, Highway 99, and the I-5 corridor increases accident risks, making proper coverage essential rather than optional.

California requires higher minimum coverage for commercial vehicles, and Sacramento County's busy urban environment increases your exposure to accidents and liability claims. A landscaping company with trucks full of equipment faces different risks than a real estate agency with company cars, while a delivery service running daily routes through Sacramento traffic has different needs than a contractor making occasional supply runs.

We evaluate how you actually use your vehicles – the routes your employees drive, what equipment you transport, and where your business operates. Then we find coverage that protects your specific operation rather than applying generic business insurance. Good commercial auto insurance keeps your business moving forward when accidents try to bring it to a halt.