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Commercial Auto

Commercial Auto Insurance helps your business cover the financial costs resulting from an auto accident if you or an employee is found at fault. Commercial auto insurance helps pay for damaged property and medical expenses - even in the event of a fatal accident.

Most businesses have at least one truck, car, or other vehicle. And many use a fleet of commercial vehicles such as busses, limos, delivery vans, or very large trucks such as dump trucks or tractor trailers. A personal auto policy will not protect your business vehicle use, so it is critical to get commercial vehicle insurance quotes and make sure you have the right coverage to protect your business investments.

Commercial auto insurance will help protect you for example, if:
  • An employee hits a pedestrian while driving a company truck and the pedestrian requires medical treatment that results in substantial bills.
  • You accidentally swerve off the road while driving to work and take out a residential mailbox and have to pay for the damage.
  • An employee driving to work accidentally hits another car and totals it.
Get a commercial auto quote today to learn how easily you can protect your business while on the road.

Who needs Commercial Auto Insurance?

Get commercial auto insurance if your business:
  • Owns, leases or rents vehicles such as cars and trucks.
  • Has employees who drive their own vehicles to conduct business.
  • Has employees who operate company vehicles that are leased, rented or owned.

"We insure California Commercial Auto, Contractor Auto's & Fleet's at the best prices"

Commercial Auto Insurance vs. Personal Car Insurance

When it comes to drivers, vehicles, and purposes, personal drivers don't have the same kinds of car insurance concerns as do businesses.

Businesses have much higher liability issues; as such, usually they have higher liability insurance requirements or recommendations. Generally, businesses deal with:
  • Employees.
  • Passengers.
  • Work gear.
  • Other people and/or equipment.

What Does Commercial Auto Insurance Cover?

Basically, commercial car insurance covers the same major coverages private individuals purchase (usually at higher limits); however, there are many add-ons more suited for commercial driving, such as coverage for your:
  • Employees, including fellow employee coverage and broadened and blanket policies that protect additional employees or people for whom your business is doing work.
  • Equipment, including loading and unloading goods.
  • Business, which protects your assets in the event of a lawsuit.

All Options for Business Auto Insurance

The CBW Commercial Auto Insurance Policy meets the specific needs of your business operation. Business property coverage combined with commercial auto coverage will provide your business with a complete protection package.

When it comes to commercial auto insurance, the ERIE has a variety of coverages to make sure you stay protected.
  • Owned Autos ? provides protection for claims arising out of ownership.
  • Hired Autos ? provides protection for a vehicle you or your employee rent or borrow for business.
  • Non-Owned Autos ? provides protection for partners, employees, or members of households using the vehicle for your business or personal affairs.
  • Temporary Substitute Autos ? provides protection when your owned auto is disabled and you?re using another vehicle temporarily.
  • Newly Acquired Autos ? provides protection for new or additional autos acquired during the policy period.
  • Light Trailers ? provides limited protection for non-owned trailers designed for highway use weighing 3,500 pounds or less pulled by a truck or private passenger auto.

What Types of Auto's Can Be Covered

Business Auto Categories Include:

  • Children's Transportation
    Examples: School buses, day care vans, Head Start Program autos, scout buses, group home vans/shuttles
  • Company or Executive Vehicles
    Examples: Salespersons? vehicles, visiting nurses? autos, owners? personal vehicles
  • Construction Vehicles
    Examples: Boom trucks, mobile truck cranes, cement pumpers, dump trucks, service trucks, fuel trucks, water trucks
  • Contractors Vehicles
    Examples: Vehicles used by plumbers, roofers, electricians, landscapers, locksmiths, painters
  • Courtesy Transportation Vehicles
    Examples: Courtesy vehicles for car dealers, repair shops, hotels and restaurants
  • Delivery Vehicles
    Examples: Delivery vehicles for flowers, couriers, packages, auto parts, furniture, U.S. mail, pizza, food, other manufactured goods
  • Drive-away Contractor Vehicles
    Examples: Registration plates, transporter tags, named operators
  • Driver Training Vehicles
    Examples: Sedans, trucks, tractor/trailers
  • Farmer Vehicles
    Examples: Pickup trucks, grain trucks, livestock trucks, dump trucks
  • Funeral Homes Vehicles
    Examples: Escort vehicles, limousines, hearses, flower cars
  • Mobile Concession Vehicles
    Examples: Taco trucks, vehicles used by caterers and hot dog vendors
  • Religious Organization Vehicles
    Examples: Church vans, choir buses, Amish transportation shuttles, vehicles used by the pastor
  • Rental Operation Vehicles
    Examples: Commercial vehicles, sedans, SUVs, minivans
  • Security Vehicles
    Examples: Vehicles for bail bondsmen, private investigators, security patrols, home security and prisoner transport
Commercial Trucks and Truckers Categories Include
  • Construction Vehicles
    Examples: Boom trucks, mobile truck cranes, cement pumpers, dump trucks, service trucks, fuel trucks, water trucks
  • Delivery Vehicles
    Examples: Delivery vehicles for flowers, packages, auto parts, furniture, U.S. mail, pizza, food, other manufactured goods
  • Drive-away Contractor Vehicles
    Examples: Registration plates, transporter tags, named operators
  • Driver Training Vehicles
    Examples: Sedans, trucks, tractor/trailers
  • Dump Trucks
    Examples: Dump trucks used by contractors and aggregate haulers
  • Hazardous Commodity Haulers
    Examples: Trucks hauling fuel oil, propane, gasoline and other chemicals (some exclusions exist)
  • Non-trucking Liability
    Examples: Bobtail/deadhead contingent liability
  • Tankers
    Examples: Water trucks, fuel trucks, trucks hauling liquid asphalt and other chemicals (some exclusions exist)
  • Tow Trucks
    Examples: Wreckers and rollbacks for repair shops, car dealerships, police rotation, repossessors, salvage yards
  • Truckers
    Examples: Car carriers, mobile home toters, other long haul trucks hauling goods for hire
Passenger Transport Categories Include
  • Charter Buses
    Examples: Sightseeing and tour buses, entertainer buses, wilderness expedition vehicles, ski buses, casino buses
  • Children's Transportation Examples: School buses, day care vans, Head Start Program autos, scout buses, group home vans/shuttles
  • Courtesy Transportation
    Examples: Courtesy transportation for car dealers, repair shops, hotels, restaurants
  • Employee Transportation
    Examples: Vehicles used to transport railroad workers, farm laborers, and other employees to and from the job-site
  • Funeral Home Vehicles
    Examples: Limousines, escort vehicles, hearses, flower cars
  • Limousine and Sedan Services
    Examples: Stretched and super-stretched limousines, stretched SUVs, executive transport autos, airport transportation vehicles
  • Mass Transit
    Examples: Urban buses, trams, trolleys, shuttle services, airport shuttles
  • Medical Transportation
    Examples: Ambulances, rescue squad vehicles, non-emergency medical transportation autos, medical provider courtesy vehicles
  • Religious Organization Vehicles
    Examples: Church vans, choir buses, Amish transportation shuttles, vehicles used by the pastor
  • Social Service Vehicles
    Examples: Head Start Program autos, group home vans/shuttles, YMCA buses, scout buses, senior citizen center vehicles
  • Taxis

    Specialty Operations Categories Include:

  • Drive-away Contractor Vehicles
    Examples: Registration plates, transporter tags, named operators
  • Driver Training Vehicles
    Examples: Sedans, trucks, tractor/trailer
  • Funeral Home Vehicles
    Examples: Escort vehicles, limousines, hearses, flower cars
  • Medical Transportation
    Examples: Ambulances, rescue squads, non-emergency medical transportation, medical provider courtesy vehicles
  • Mobile Concessions Vehicles
    Examples: Caterers, hot dog vendors, taco trucks
  • Mobile Operations Vehicles
    Examples: Bookmobiles, bloodmobiles, mobile offices, mobile medical testing
  • Municipality-owned Vehicles
    Examples: Ambulances, law enforcement vehicles, fire trucks, water trucks, hazardous material responders, street sweepers
  • Non-trucking Liability
    Examples: Bobtail/deadhead contingent liability
  • Rental Operations Vehicles
    Examples: Commercial vehicles, sedans, SUVs, minivans
  • Security Vehicles
    Examples: Vehicles for bail bondsmen, private investigators, security patrols, home security, prisoner transport

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La Mesa, CA 91942

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