Commercial Auto Insurance in California
Commercial Auto Insurance covers vehicles for physical damage and liability not covered by a personal auto policy — also called commercial car insurance, truck insurance, or fleet insurance.
**Why do you need it?** If an auto is used for tasks related to occupation/profession/business (other than commuting), a commercial policy is necessary — transporting goods/people for a fee, conducting a service, needing higher liability limits, hauling weight/towing trailers for business, or if employees operate the auto or it's owned by a corporation/partnership.
**What it covers:** liability, collision, comprehensive, medical payments/PIP, uninsured motorists — similar to personal auto but differs in eligibility, definitions, coverages, exclusions, limits. Most policies are "named driver only."
Coverages:
- Bodily injury liability
- Property damage liability
- Combined single limit (CSL)
- Medical payments / no-fault / PIP
- Uninsured motorist coverage
- Comprehensive physical damage coverage
- Collision coverage
Key coverage highlights
- Fleet & single vehicle options
- Hired & non-owned auto
- Cargo coverage options
- Driver screening support
Common questions
Do I need commercial auto if I use my personal car for business?
Personal auto policies often exclude business use. Commercial auto covers vehicles used primarily for business operations.