Commercial Auto Insurance for Every Business Vehicle
Protect the vehicles that power your business — from delivery vans and service trucks to company cars and specialized equipment — with policies tailored to your industry.
Overview
Not every commercial vehicle is an 18-wheeler. Thousands of businesses across Southern California rely on vans, pickups, box trucks, and specialty vehicles to deliver goods, provide services, and keep operations running. Trucking Insurance Today provides commercial auto insurance for the full spectrum of business vehicles, with the same expert attention and competitive pricing that has made us the top choice for trucking operations in Orange County and Los Angeles County. Whether you run a plumbing company with a fleet of service vans or a catering business with refrigerated delivery trucks, we match you with the right coverage at a price that works for your budget.
Key Benefits
Multi-Vehicle Discounts
Bundle all your business vehicles into a single commercial auto policy and save. We negotiate fleet-level pricing even for small businesses with just two or three vehicles.
Industry-Specific Coverage
We understand the unique risks facing contractors, delivery services, landscapers, mobile food vendors, and other businesses that depend on their vehicles. Our policies are tailored to your specific industry.
Permissive Use Flexibility
Cover all authorized drivers under your policy without listing each one individually. This simplifies administration when you have employee turnover or seasonal workers.
Roadside Assistance & Towing
Add affordable roadside assistance to keep your vehicles moving. Includes towing, flat tire service, lockout assistance, and fuel delivery.
Coverage Details
Liability Coverage
Protects your business when your vehicle causes injury or property damage. Available in limits from $100,000 to $2,000,000+ depending on your business needs and contractual requirements.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault. Available with deductible options from $500 to $5,000.
Comprehensive Coverage
Covers non-collision damage including theft, vandalism, fire, weather events, and animal strikes. Essential for protecting high-value commercial vehicles.
Medical Payments
Covers medical expenses for you and your passengers after an accident, regardless of fault. Helps bridge gaps between auto and health insurance.
Uninsured Motorist
Protects your driver and vehicle when the at-fault party has no insurance or insufficient coverage — a significant risk in California where an estimated 15% of drivers are uninsured.
Why Truckers Choose Us
- Experience insuring hundreds of different commercial vehicle types and business categories
- Partnerships with specialized commercial auto carriers that standard agencies cannot access
- In-house DMV and registration support for commercial vehicle titling
- Flexible coverage options that scale as your business grows
- Same-day policy issuance and certificate delivery
Frequently Asked Questions
Do I need commercial auto insurance for my business vehicle?
If a vehicle is titled to your business, used primarily for business purposes, or carries goods or equipment for commercial use, you need commercial auto insurance. Personal auto policies typically exclude commercial use and can deny claims if business use is discovered.
What vehicles does commercial auto insurance cover?
Commercial auto insurance covers cars, SUVs, vans, pickups, box trucks, flatbeds, dump trucks, tow trucks, food trucks, service vehicles, and most other vehicles used for business purposes. Specialized vehicles may require additional endorsements.
How much does commercial auto insurance cost in California?
Premiums depend on vehicle type, usage, driver records, business type, and coverage limits. A single commercial van typically costs $1,500 to $4,000 per year, while larger trucks or high-risk operations may cost $5,000 to $15,000+ per vehicle.
Can employees drive vehicles covered under commercial auto insurance?
Yes. Commercial auto policies can be structured with permissive use provisions that cover any employee authorized to drive your business vehicles, or with listed-driver-only provisions for tighter control over who operates your equipment.
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