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Do You Need Commercial Auto Insurance?

If you use a vehicle for business purposes, you likely need commercial auto insurance. Your personal policy probably excludes business use.

•Vehicles titled to a business

•Delivery vehicles (food, packages, supplies)

•Service vehicles (plumbing, HVAC, landscaping)

•Vehicles that transport employees, clients, or goods

•Rideshare and food delivery (Uber, DoorDash, etc.)

•Liability: Injuries and damage you cause while driving for business

•Collision: Damage to your business vehicle

•Comprehensive: Theft, vandalism, weather damage

•Uninsured Motorist: Protection from uninsured drivers

•Hired & Non-Owned: Coverage for employee personal vehicles used for business

Vehicle TypeApproximate Annual Cost

|---|---|

Sedan (sales rep)$1,200-$2,400

Pickup truck (contractor)$1,800-$3,600

Van (delivery)$2,400-$4,800

Box truck$3,600-$7,200

Fleet (5+ vehicles)Custom quotes

1. Bundle with general liability — package discounts available

2. Safety programs — driver training reduces premiums

3. GPS tracking — some carriers discount for fleet tracking

4. Higher deductibles — same as personal auto

5. Shop annually — commercial rates vary widely between carriers

FasTrak Insurance works with multiple commercial carriers. Get a free commercial auto quote or call (800) 267-5550.

FasTrak Insurance Solutions — protecting California businesses since 2006.