Commercial auto insurance for vehicles that work.
Liability, physical damage, uninsured motorist and hired and non-owned auto coverage for business vans, pickups and fleets, placed across carriers.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · En español · How this page is researched
Personal auto policies stop at business use
A personal auto policy may deny a claim if the vehicle was being used for business, like hauling tools, making deliveries or carrying crews. Vehicles titled to a business need a commercial policy.
I quote your vehicles and drivers across carriers, and add hired and non-owned auto coverage if employees ever drive their own cars or rentals for work. For semi-trucks and for-hire hauling, see commercial trucking.
- LiabilityInjuries and property damage your business vehicles cause.
- Physical damageCollision and comprehensive for your own vehicles.
- Hired and non-ownedLiability when employees drive rentals or their own cars for work.
- Uninsured motoristYour drivers' injuries when the at-fault driver has no or too little insurance.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Vehicles: year, make, model, VIN and how they're titled.
- Drivers: names, license numbers and dates of birth.
- Use: what the vehicles do and how far they travel.
- Garaging: where vehicles are kept overnight.
- Business: what your company does.
- Current policy: declarations and loss runs.
Commercial auto insurance, answered
Do I need commercial auto insurance for my work truck?
If the vehicle is titled to a business or used mainly for business, you usually do. Personal auto policies can exclude business use.
What is hired and non-owned auto coverage?
It covers your business's liability when an employee causes an accident while driving a rented vehicle or their own car for work.
Is commercial auto the same as trucking insurance?
Commercial auto covers business vehicles like vans and pickups. Trucking insurance is for semi-trucks and for-hire hauling, which need additional filings and coverages.
Can I add a driver with a DUI?
Some carriers will, at a higher price, and others require the driver to be excluded. It depends on how recent it is.
Do you offer commercial auto insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see truck insurance by state or insurance requirements by state.
Send your vehicles and drivers. I'll shop it.
A vehicle list, a driver list and your current declarations page are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
Short videos from Sam
Under a minute each. Videos use an AI-generated version of Sam’s likeness and voice. General information only; coverage depends on your policy.
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.