Commercial vehicle insurance in California protects your business autos in the same way that your personal car insurance protects your personal vehicle.
In California, you can purchase a commercial vehicle policy that covers your business, personal, non-owned, or hired policies in one packaged policy. Each vehicle can be scheduled on the policy with its own corresponding coverage.
While each vehicle must be covered with the minimum liability coverage required by California law, commercial vehicle policies in California often feature a Combined Single Limit for bodily injury and property damage liability coverage rather than separating the two types of liability protection as you would with a personal auto policy. This creates higher limits for both types of coverage, with typical combined single liability limits of $500,000 or $1,000,000.
Certain larger vehicles, vehicles that participate in interstate commerce, and vehicles that carry hazardous substances may have additional federal liability coverage requirements, depending on the type of vehicle and how it’s used.
In addition to liability coverage, commercial vehicle insurance policies in California may also include optional coverage such as uninsured/underinsured motorist coverage, collision insurance, comprehensive insurance, and more.
Contact an independent insurance agent in California to learn more about your commercial vehicle insurance options.