Protection That Drives Your Business Forward
Request a QuoteRunning a business means staying in motion—literally. Whether you’re managing a fleet of delivery vans, using a single company truck, or have employees using their own cars for business purposes, you need commercial auto insurance that’s as hardworking as you are.
At San Clemente Insurance Agency, we understand the real risks business owners face behind the wheel. That’s why we help companies find commercial auto insurance coverage that protects their people, vehicles, and livelihoods.
What Is Commercial Auto Insurance?
Commercial auto insurance is coverage designed for vehicles used in the course of business. It helps cover liability, collision, and comprehensive losses—not just for you, but for employees and passengers as well.
Unlike personal auto insurance, commercial policies are tailored for the unique risks of business operations, including higher liability limits, vehicle use classifications, and specialized equipment.
Who Needs Commercial Auto Coverage?
If your business owns, leases, or uses vehicles for work-related tasks, you need coverage. This includes:
- Contractors and service professionals
- Delivery and courier services
- Sales teams and mobile professionals
- Real estate agents, landscapers, and mobile techs
- Anyone transporting tools, goods, or people for work
Even if your employees drive their own vehicles on the job, you could still be liable for accidents. That’s where non-owned auto liability comes in—an essential piece of any commercial risk strategy.
What Does It Cover?
Liability Coverage: Helps pay for bodily injury and property damage if you're at fault in an accident.
Collision Coverage: Covers repair costs for your vehicle after an accident—regardless of fault.
Comprehensive Coverage: Protects against fire, theft, vandalism, hail, and other non-collision events.
Medical Payments: Covers medical expenses for drivers and passengers regardless of fault.
Uninsured Motorist: Helps pay for your injuries and vehicle damage if you're hit by an uninsured driver.
Hired & Non-Owned Auto: Covers vehicles your business uses but doesn’t own, like rentals or employee-owned cars.
Why It Matters: The Real Cost of an Accident
One bad accident can derail your business. From medical bills to legal fees and lost time, the consequences can add up quickly. Here's a quick look at the average costs related to commercial auto claims in the U.S.:
| Claim Type | Average Cost |
|---|---|
| Property Damage Liability | $5,500 |
| Bodily Injury Liability | $20,235 |
| Collision Damage | $4,293 |
| Comprehensive Loss | $1,715 |
Can your business afford these costs out of pocket? With commercial auto insurance, you don’t have to find out the hard way.
How We Help at San Clemente Insurance Agency
At San Clemente Insurance Agency, we don’t believe in cookie-cutter solutions. We take the time to learn about your business—how your vehicles are used, who’s behind the wheel, and what’s at stake.
Then, we work with top-rated carriers to build a commercial auto policy that fits like a glove. You’ll get:
- Customized coverage that reflects your risk
- Affordable premiums and deductible options
- Quick certificate delivery for job site compliance
- Local service and claims support you can count on
Need coverage for a fleet? Just one van? Something in between? We’ve got you covered.
Tips to Lower Your Premium
Commercial auto insurance doesn’t have to break the bank. Here are some smart ways to keep costs down:
- Maintain clean driving records for all employees
- Use GPS and telematics to monitor driver behavior
- Bundle with general liability or workers comp policies
- Choose higher deductibles (if financially comfortable)
Bonus tip: Review your policy annually. As your business grows, your insurance needs evolve too.
Let's Get You Covered
If you rely on vehicles to do business, it’s time to protect that investment. Whether you’re just getting started or want to review your current policy, we’re here to help.
Give us a call at 949-369-0951 or click the button below to request a free, no-pressure quote today.
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