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Why is commercial auto insurance important?
Your business could be in legal and financial jeopardy without commercial auto insurance coverage. In California, any business that has its own vehicles must at least carry auto liability insurance.
If one of your business vehicles is at fault in an accident, you could face an expensive lawsuit or settlement. You’d likely have to pay for damage to the other vehicle or property, medical bills, lost wages, pain and suffering, plus other related costs.
Additionally, you could face severe penalties for not owning commercial auto insurance. If you are cited for not having insurance, you may receive a fine of over $350, have your vehicle impounded, and see an increase in your auto insurance rates. For a repeat offense, the fine can increase to $1,800, and the state may suspend your license for up to four years.
What does commercial auto insurance cover?
Commercial auto insurance helps cover medical payments and property damage related to an accident. This coverage includes legal expenses if you’re sued. A policy may also cover vehicle theft, vandalism, and other losses and damages.
Most commercial auto policies include liability insurance to cover your business’s legal costs if one of your employees gets into an accident.
Businesses that purchase commercial auto insurance often:
- Have a vehicle titled to their business
- Drive to and from worksites
- Carry tools, equipment, or products used for work
- Transport clients or employees
- Rely on delivery drivers or couriers