(800) 956-3728 Commercial Auto Insurance in California
Make sure your business vehicles are properly protected.
Business Auto Insurance in California
Your business depends on its vehicles every day, from client meetings to deliveries. Mercury Insurance makes it easy to protect those vehicles with customizable commercial auto insurance in California designed for your company’s specific needs.
Do I Need Commercial Auto Insurance for My California Business?
If you use a vehicle for work beyond your daily commute, you likely need business auto insurance in California. A personal auto policy usually doesn’t cover business use, leaving your company at risk if an accident occurs.
“Commercial use” includes driving to job sites, transporting equipment, delivering goods, or visiting clients. Whether you manage one car or an entire fleet, commercial auto coverage helps protect your business from costly claims and liability.
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California Business Auto Insurance Covers All Kinds of Vehicles
No matter what your business drives, Mercury provides coverage to keep you moving forward. We insure a wide variety of commercial vehicles to make sure your operations are protected.
A sample of the vehicle types we cover includes:
- Passenger vehicles
- Vans, pickups, and SUVs
- Flatbeds and stake trucks
- Box trucks
- Refrigerator and utility trucks
Mercury Insurance Protects Commercial Drivers in the Golden State
From contractors to caterers, California businesses of all sizes trust Mercury. We provide commercial auto insurance in California for many industries, giving owners peace of mind to focus on running their business.
Businesses we typically cover include:
- Artisan or service contractors
- Catering and food service
- Construction and trades
- Farming and agriculture
- Offices and consultants
- Pest control
- Retail and sales professionals
- Wholesale and distribution
Popular Coverage Options for California Business Owners
Your Mercury agent will work with you to create a policy that’s right for your business. We offer a variety of coverage options to build a comprehensive and affordable plan.
Popular options for your California business auto insurance policy include:
- Liability Coverage: Helps cover costs if you’re at fault in an accident, including bodily injury and property damage.
- Collision Coverage: Helps pay to repair or replace your vehicle if it’s damaged in a collision with another object or vehicle.
- Comprehensive Coverage: Protects your vehicle from non-collision events, including theft, fire, vandalism, or weather-related damage.
- Uninsured/Underinsured Motorist Coverage: Helps cover your expenses if you’re in an accident caused by a driver with little or no insurance.
- Mechanical Protection: An optional coverage that can help pay for repairs to your vehicle’s mechanical parts, giving you extra peace of mind.
- California Business Insurance: Combine your auto policy with a business owners policy (BOP) for more complete protection.
Frequently Asked Questions About California Commercial Auto Insurance
What is California business auto insurance?
California business auto insurance is a type of policy that provides coverage for vehicles used for business purposes. It protects your company from accident-related expenses, including injuries, property damage, and vehicle repairs.
How much is car insurance for a small business in California?
The cost of small business auto insurance in California varies based on several factors, including the type and number of vehicles you own, their usage, your industry, your drivers’ records, and the coverage limits you select.
Mercury is committed to providing affordable rates and multiple discounts and savings opportunities to help you find a cheap business auto insurance plan in California that fits your budget.
What auto insurance do I need for my contractor business in California?
Contractors typically need commercial auto insurance to cover vehicles used for hauling tools, equipment, and materials. Personal policies usually exclude this type of use, leaving contractors exposed to higher risk.
What is the difference between commercial and business car insurance in California?
These terms are often used interchangeably. Both protect vehicles used for business purposes, but “commercial” coverage typically applies to larger or specialized vehicles, while “business auto insurance” usually refers to standard passenger or light-duty vehicles used for work errands. Either way, the goal is to protect your business from accident-related expenses.