We got you covered

Comprehensive Commercial Auto Insurance for Businesses in California

Protect Your Business Vehicles with Direct 2U Insurance in Ontario
Get Started

4.9 Google rating

100% customer satisfaction

Licensed Insurance Agents

85+ coverage options to choose from

Direct 2U Insurance/ commercial auto insurance

Why You Need Commercial Auto Insurance from Direct 2U Insurance

As a business owner, safeguarding your commercial vehicles—whether cars, trucks, vans, or other types of transportation—is crucial. Your Business owners Policy (BOP) does not cover vehicle-related risks, so obtaining a separate commercial auto insurance policy from Direct 2U Insurance is essential.

Click & Learn

Liability coverage
Physical Damage and Collision
Accident with uninsured motorist
Roadside assistance
Auto loan or lease

Liability coverage

Risk Factors

Your commercial auto may with meet an accident resulting in damage to someone’s property or causing bodily harm to someone. You then become liable for the property's repair or medical costs respectively.

Solution

Bodily injury liability (BIL) covers you when you or one of your employees cause bodily injury to another party while using one of your covered vehicles, and property damage liability (PDL) covers you when you or one of your employees cause property damage to another party while using one of your covered vehicles.

Physical Damage and Collision Coverage

Risk Factors

Your commercial auto can be damaged by fire, theft, vandalism or either can collide with a fallen tree causing damage to your vehicle.

Solution

Commercial automobile insurance protects against vehicle theft and physical damage including vandalism, certain weather events or an impact with another object.

Accident with uninsured motorist coverage

Risk Factors

About one in eight drivers in the United States are uninsured, according to the Insurance Research Council. When they cause accidents, they might not be able to pay for damages.

Solution

Your policy’s uninsured motorist coverage makes sure your business doesn’t have to pay for the resulting medical expenses or vehicle repairs.

Roadside assistance coverage

Risk Factors

Your commercial auto could breakdown and you might need a roadside assistance immediately.

Solution

Protects you when problems arise that are not typically handled under your commercial auto policy. This could include being locked out of your car, dead batteries and flat tires.

Auto loan or lease coverage

Risk Factors

Your commercial auto may meet with an accident before your loan repayment. You can then become liable for the loss incurred.

Solution

This covers the difference between the unpaid amount on the loan or lease and the actual cash value of the vehicle, if your vehicle is a total loss after an accident

Is Commercial Auto Insurance Necessary for Your Business in California?

Whether you use a single car or an entire fleet, having commercial auto insurance is vital. This coverage protects against liability, personal injury, medical expenses, and collision damages, ensuring your business operations continue smoothly. If your employees drive their vehicles for deliveries, sales calls, or errands related to your business, you could be held accountable for any accidents they might cause.

Even if you are a sole proprietor using your vehicle mainly for business purposes, a commercial policy from Direct 2U Insurance typically offers higher liability limits than personal auto insurance.

When is Commercial Auto Insurance Required in California?

You need commercial auto insurance if your vehicles are used for:

  • Transporting goods or equipment
  • Driving clients or employees
  • Performing paid services
  • Carrying passengers for a fee
  • Transporting goods for a fee
  • Hauling heavy work-related loads
  • Towing a business-related trailer

Distinguishing Personal and Commercial Auto Insurance

In small businesses, the distinction between personal and commercial vehicle use can often be unclear. Employees might use their vehicles for business purposes like traveling to job sites, transporting equipment, or delivering products. Coverage for corporate use is typically excluded from a personal auto insurance policy, leaving you unprotected if an accident occurs while driving for work, except for commuting.

The main distinction between personal and commercial auto insurance is the ownership of the car. Your company's vehicles need to be insured by commercial auto insurance.

Commercial auto insurance from Direct 2U Insurance in Ontario covers accidents occurring while you or your employees drive a company vehicle. Both personal and commercial policies cover legal and medical expenses related to accidents. However, commercial auto insurance typically offers higher coverage limits, covers a broader range of vehicles, and addresses more complex legal issues. A commercial policy generally includes all business employees as additional insureds, meaning any licensed employee can operate the car.

For comprehensive commercial auto insurance tailored to your business needs in Ontario, California, contact Direct 2U Insurance today.

Already have Commercial Auto Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
Request a Quote

Get Personalized Insurance

Name(Required)
By clicking Submit, you agree to Direct 2U Insurance's Terms of Use and Privacy Policy. By completing this form, you also give consent to Direct 2U Insurance to send SMS related to the latest News and Updates around you. You may receive up to 1 message per week. For HELP, text us at 1-(800)-373-0708 . To unsubscribe, send STOP. Standard message and data rates may apply.
This field is for validation purposes and should be left unchanged.
#1 Online Insurance Agency in California
License # 0M59846
© 2024 Direct 2U Insurance Designed by Amplispot
envelope phone-handset map-marker linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram