Temecula, California Commercial Auto Insurance
Commercial Auto Insurance
Whether your business operates a single vehicle or an entire fleet, Commercial Auto Insurance is an important part of protecting your business from the risks associated with vehicles used in your operations.
At PSA Insurance Services, we help businesses evaluate their commercial auto exposures and develop coverage based on the vehicles they operate, how those vehicles are used, who drives them, and the liability risks associated with their business.
What Does Commercial Auto Insurance Cover?
A Commercial Auto policy can provide several important types of coverage, including:
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Auto Liability – Provides coverage for covered bodily injury or property damage claims resulting from the use of an insured vehicle.
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Collision Coverage – Helps pay for covered physical damage to an insured vehicle resulting from a collision.
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Comprehensive Coverage – Provides physical damage coverage for certain non-collision losses, such as theft, vandalism, fire, or other covered causes of loss.
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Uninsured & Underinsured Motorist Coverage – Can provide protection when an insured is injured by a driver who has no insurance or insufficient insurance, subject to applicable policy terms and state requirements.
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Medical Payments Coverage – May provide coverage for certain medical expenses resulting from an auto accident, regardless of fault.
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Hired Auto Liability – Can provide liability coverage for certain vehicles your business rents or hires.
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Non-Owned Auto Liability – Can provide liability coverage when employees or others use vehicles your business does not own for company business.
Available coverage varies by insurance carrier, state, vehicle type, and business operations.
Commercial Auto Insurance for Contractors
Commercial vehicles are particularly important to contractors and construction businesses. Pickup trucks, service vans, utility vehicles, trailers, and other vehicles may be used to transport employees, tools, materials, and equipment between jobsites.
PSA works with contractors to evaluate exposures involving:
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Company-owned trucks and vans
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Employees and authorized drivers
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Vehicles traveling between jobsites
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Towing trailers
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Hired and rented vehicles
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Employees using personal vehicles for company business
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Contractual auto liability requirements
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Required liability limits
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Additional Insured requirements when applicable
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Umbrella and Excess Liability coverage over Commercial Auto
Your vehicles are only one part of the exposure. Who drives them and how they are used can be equally important.
Drivers Matter
Commercial auto insurance carriers may consider driver age, driving history, license status, vehicle type, radius of operation, business use, and other factors when evaluating an account.
Businesses should have procedures for identifying authorized drivers and promptly reporting driver changes. Depending on the insurance carrier and policy, drivers may need to meet specific eligibility or underwriting requirements.
Maintaining good driver records and appropriate vehicle-use policies can be an important part of managing a company's commercial auto exposure.
Hired & Non-Owned Auto
Your business can have an auto liability exposure even when it doesn't own the vehicle involved.
Hired Auto exposure can arise when your company rents, leases, or hires vehicles for business purposes.
Non-Owned Auto exposure can arise when employees use their personally owned vehicles for company business, such as visiting jobsites, making deliveries, picking up supplies, or meeting with customers.
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