Bay Area Commercial Auto Insurance

If you own or manage a company that has dedicated business vehicles, these vehicles should be covered under a Commercial Auto Insurance policy. Commercial Auto is similar personal auto insurance, but it differs in that it is designed specifically for business use and can include added coverages you cannot get on personal auto insurance.

Bay Area Commercial Auto Insurance- $1,000,000 CSL

If you are driving a Commercial Auto in the Bay Area, we recommend having at least $1,000,000 Combined Single Limit liability coverage. This may seem high, but the reality is that the Bay Area has many high value vehicles on the road, bicyclists, and other exposures that may lead to large auto claims. The price difference to increase your liability limits to $1,000,000 is usually very affordable and it can prevent out-of-pocket losses of hundreds of thousands of dollars if a large claim does occur.

Bay Area Commercial Auto Insurance- Equipment Coverage

For companies that own vehicles with added equipment, such as food trucks, caterers, or service vehicles, you can include additional coverage for this property. This is especially important for businesses that rely on equipment for daily operations. This added coverage is often easy to obtain and you can get a lot of coverage for a very little additional premium, depending on the type and value of the equipment.

Bay Area Commercial Auto Insurance- Discounts

Since driving in the Bay Area can be more expensive than other areas, it is important to maximize your discounts. When hiring employees, check their motor vehicle records to assure they do not have any violations. The motor vehicle record is a major rating factor that will affect premium dramatically. Make sure to notify your broker about any alarm systems, tracking systems, or fleet management software your vehicles have, as many carriers offer additional discounts. Many carriers also offer additional discounts for those who take defensive driving, or similar safety courses. Lastly, some carriers offer substantial discounts for those who pay their policy in full rather
than monthly payments.

To learn more about Bay Area Commercial Auto, give our Commercial Auto specialists a call at 925-297-4829.

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All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.