Commercial Auto Insurance in San Jose, CA
Commercial auto insurance is designed to cover vehicles used for business purposes. Unlike personal auto policies, this coverage addresses the specific risks associated with operating business vehicles—such as transporting goods, visiting clients or carrying equipment.
What Does Commercial Auto Insurance Cover? 
A standard commercial auto policy may include coverage for the following:
- Repair or replacement costs if your business vehicle is damaged in a collision
- Third-party bodily injury or property damage you may cause to other people
- Compensation for losses due to theft or vandalism of a company vehicle
- Damages caused by fire, severe weather or other noncollision events
- Financial support if you’re involved in an accident with an uninsured or underinsured driver
- Legal expenses related to claims covered under your policy
It’s important to know that commercial auto policies don’t cover every situation. Certain risks and circumstances fall outside standard coverage, and being aware of these exclusions can help you avoid unexpected gaps in financial protection. Below are some of the most common exclusions you’ll find in standard commercial auto policies:
- Unauthorized or illegal use
- Damage from intentional acts or deliberate misconduct
- Regular maintenance problems, such as wear and tear or mechanical failures
- Non-owned and hired vehicles
Who Needs This Coverage?
In California, state law requires businesses to carry a minimum liability coverage for all vehicles used for work purposes. Additionally, lenders may mandate additional coverage if you’ve financed or leased your vehicles.
Commercial auto insurance is recommended for a wide range of businesses, including the following:
- Contractors and construction companies
- Delivery and courier services
- Landscapers and maintenance providers
- Real estate professionals
- Any business that owns, leases or operates vehicles for work
If your employees use their personal cars for business tasks, you may also need additional coverage to address those exposures.
Explore Your Options
Valley Multi-Services, LLC can help businesses secure commercial auto coverage that fits their operations and budget. Contact us today to learn more and get a personalized quote.