Commercial Auto Insurance in El Segundo and Los Angeles
Coverage for company cars, vans, and trucks, plus employees who drive their own cars on company business. One policy that keeps your vehicles and your business protected on L.A. roads.
Commercial auto at a glance
- Who needs it
- Businesses that own vehicles or have employees drive for work
- Personal policies
- Usually exclude regular business use of a vehicle
- Common add-on
- Hired and non-owned auto for employees’ cars and rentals
- Drivers
- Every regular driver is listed and reviewed
- Quote turnaround
- Usually 1-2 days
What commercial auto insurance covers
Commercial auto works like personal auto, with higher limits and coverage built around how your business uses its vehicles.
Liability
Pays for injuries and property damage your drivers cause to others.
Hired and non-owned auto
Covers liability when employees use their own cars or rented vehicles for work.
Uninsured motorist
Pays your drivers’ injuries when the at-fault driver has no insurance or too little.
Physical damage
Repairs or replaces your vehicles after a crash, theft, or vandalism.
Medical payments
Helps pay medical bills for your drivers and passengers, regardless of fault.
Rental reimbursement
Pays for a replacement vehicle while yours is repaired.
What affects commercial auto rates
Commercial auto rates depend on what you drive, how far, where, and who is behind the wheel. Driver records carry heavy weight, and one high-risk driver can raise the cost for the whole fleet.
Vehicle type and use matter too. A sedan for sales calls costs less to insure than a box truck making deliveries across Los Angeles County.
Ways to lower your premium
- Review every driver’s record before adding them
- Put a written driver safety policy in place
- Use telematics or dash cams where carriers offer credits
- Choose higher deductibles on older vehicles
- Use hired and non-owned auto instead of insuring personal cars
What moves your rate
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Driver records
Accidents and violations raise the price for the whole policy.
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Vehicle type and value
Heavier and more expensive vehicles cost more to insure.
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Radius of operation
Local driving costs less than long-distance routes.
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Business use
Deliveries and passengers carry more risk than sales calls.
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Claims history
Recent losses weigh heavily at renewal.
Commercial auto questions
Don't see yours? Call (310) 751-5979 and ask.
Does my personal auto policy cover business use?
Usually not for regular business use, such as deliveries or driving to job sites. Using a personal policy for business driving can lead to a denied claim.
What is hired and non-owned auto coverage?
It covers your business’s liability when employees drive their own cars or rented vehicles for work. It does not cover damage to those vehicles.
Do I need commercial auto if I only have one truck?
If the business owns it or uses it mainly for work, yes. We can write a single-vehicle policy.
Can I add or remove drivers during the year?
Yes. Tell us before a new employee drives so we can check their record and add them to the policy.
Find out what you should be paying
Tell us about your vehicles and drivers. We compare carriers and come back with real quotes, usually within 1-2 days.