Can I just use my personal auto policy for my work truck?

Usually no. Most personal policies in California exclude business use, so a work accident can be denied. A vehicle titled to your business, carrying tools, or driven by employees needs a commercial policy.

What liability limit do I need in California?

The state minimum is far below what most California clients require. A $1 million combined single limit is a common contract term. Tell us who you work for and we'll match the limit.

Does it cover employees driving their own cars for work?

That's hired and non-owned auto coverage — usually an inexpensive add-on. If your staff run deliveries or job-site errands in personal cars, you want it.

Commercial Auto Insurance for California Businesses

For California businesses where trucks, vans or cars are part of the work.

Get a Quote Call (951) 383-3000

What's covered

Liability for injuries and property damage when your driver is at fault
Collision and comprehensive coverage for your own trucks, vans and cars
Uninsured and underinsured motorist protection on California roads
Hired and non-owned auto coverage when employees drive rentals or their own vehicles for work
Tools, equipment and cargo in the vehicle, depending on how the policy is written

If a vehicle is part of your business in California, your personal auto policy probably won't cover it. Personal policies routinely exclude business use. The claim gets denied at the worst moment — after an accident on the 99 or the 405, with your logo on the door. Commercial auto is written for work vehicles, business drivers, and the higher liability limits California contracts require.

Commercial auto covers the liability side when your driver causes an accident, and the physical damage to your own vehicle. It also covers the gap situations that catch owners out: an employee running an errand in their own car, a rented box truck for a busy week, tools riding in the back. For many California businesses the tools are worth more than the van.

We write commercial auto for single work trucks and small fleets across California. We know which carriers are reasonable about driver records, mileage and radius. Ten years in, bilingual, and you'll always talk to someone who can explain what your certificate of insurance actually says.

Quick questions

Can I just use my personal auto policy for my work truck?: Usually no. Most personal policies in California exclude business use, so a work accident can be denied. A vehicle titled to your business, carrying tools, or driven by employees needs a commercial policy.
What liability limit do I need in California?: The state minimum is far below what most California clients require. A $1 million combined single limit is a common contract term. Tell us who you work for and we'll match the limit.
Does it cover employees driving their own cars for work?: That's hired and non-owned auto coverage — usually an inexpensive add-on. If your staff run deliveries or job-site errands in personal cars, you want it.

Google Reviews

What our clients say

Loading reviews…

From our YouTube channel

Insurance, explained

Quick answers from the Calvo team.

Ready to see your number?

Start the quiz below. About a minute. No obligation.

Get a quote

Step 1 of 5

What do you need covered?

10 years serving California businesses, bilingual service, no obligation.