Commercial Auto Insurance in Sacramento & Yuba City, CA

State laws require commercial auto insurance for businesses that rely on vehicles to provide their products or services. Driving for work comes with risks that personal auto insurance policies typically don’t address; commercial auto insurance may help handle situations uniquely tied to business use.

Who Needs Commercial Auto Insurance?

Business owners who use vehicles as part of their daily operations need this coverage. This includes companies with fleets, independent contractors using personal vehicles for business purposes and self-employed individuals making local deliveries. If driving is part of how your business gets work done, commercial auto insurance may be necessary.

Is Commercial Auto Insurance Required?

California requires drivers to provide proof of financial responsibility by carrying a minimum amount of liability coverage. Without it, your business may face penalties such as fines, vehicle impoundment or license suspension. Additionally, clients or vendors may ask you for proof of commercial auto insurance before allowing access to job sites or signing business contracts.

What Does Commercial Auto Insurance Cover?

Here are some common coverage offerings that may be included in commercial auto insurance policies:

• Liability coverage can help pay for the resulting expenses if commercial drivers are at fault in accidents that injure others or damage their property.
• Collision coverage may help reimburse the cost of repairing damage to commercial vehicles after accidents, regardless of fault.
• Comprehensive coverage can provide financial aid for commercial vehicle repairs following damage caused by incidents other than collisions, such as theft, vandalism or adverse weather.
• Medical payments coverage may help reimburse minor medical expenses for commercial drivers and their passengers, regardless of fault.
• Uninsured/underinsured motorist coverage can help pay for the resulting expenses when commercial vehicles are damaged in accidents caused by drivers with insufficient coverage.

Secure a Policy Today

If you’re looking to avoid disruptions and keep your business moving following unexpected events on the road, Baja Insurance Services can help. Contact us today to explore commercial auto insurance options.