Single vehicle, fleet, or anything in between

Commercial coverage, built to keep you moving.

Whether you drive one work truck or run a 50-vehicle fleet, your business depends on staying on the road. We write commercial auto policies from 40+ carriers, with same-day certificates of insurance and bilingual service.

Get a free quote (619) 428-1333
Single & fleet 1 vehicle to 50+
Same-day COI Certificates of insurance
40+ carriers Shopped on your behalf
Bilingual service English & Español
Why commercial

Your personal policy won't cover this.

If you use a vehicle for any business purpose — deliveries, client visits, hauling tools, transporting goods — your personal auto policy will likely deny the claim. One uncovered accident could cost you the business.

  • Personal policy excludes business use, deliveries, and hired-out vehicles.
  • Commercial policy covers business use, employees driving, and cargo.
  • Higher liability limits protect your business assets in a lawsuit.
  • Certificates of insurance you can show clients, landlords, or general contractors.

One claim could cost the business.

A commercial policy costs far less than what a single uncovered claim would. If your vehicle earns money, it needs commercial insurance.

Vehicles we cover

If it has wheels and earns income, we can insure it.

From a single work truck to a fleet of vans — we have a policy for every kind of commercial vehicle.

Pickup Trucks

Work trucks for contractors, deliveries, and hauling.

Cargo Vans

Delivery vans, contractor vans, and mobile service vehicles.

Box Trucks

Moving trucks, light-duty haulers, and small delivery operations.

Tractor Trailers

Heavy-duty haulers, freight, and long-haul trucking.

Tow Trucks

Flatbed, wheel-lift, and integrated tow trucks — including on-hook and garagekeepers coverage.

Food Trucks

Mobile food vendors, catering trucks, and ice cream trucks.

Rideshare

Commercial coverage for Uber, Lyft, DoorDash, and Instacart drivers.

Trailers

Utility, equipment, and cargo trailers — single or paired with trucks.

Fleets

Multi-vehicle policies for businesses with 5, 10, 50+ vehicles.

Industries we serve

Built around how your business actually works

We customize coverage based on your industry, your risk, and how your vehicles are used.

Contractors

Construction, electricians, plumbers, HVAC, and trades.

Delivery & Courier

Package delivery, courier services, and last-mile logistics.

Food Service

Food trucks, caterers, restaurants with delivery vehicles.

Landscaping

Lawn care, tree services, and outdoor maintenance crews.

Sales & Service Reps

Field salespeople and mobile service providers.

Tow Truck Operators

Roadside assistance, repossession, and vehicle recovery services.

Mobile Tech & Repair

On-site repair services, IT contractors, and field technicians.

Anything else

If you drive for work, we have a policy. Just ask.

Coverage included

The protection a real business needs

Each policy is custom-built around your vehicles, your industry, and the kind of risk you actually face on the road.

Required

Liability Protection

Pays for injury or property damage your business causes to others. The minimum required to operate legally, and typically the largest claim risk.

Physical Damage

Covers your vehicle if it's damaged in a collision, stolen, vandalized, or hit by weather. Includes both collision and comprehensive coverage.

Medical Payments

Covers medical bills for your drivers and passengers, regardless of who's at fault — including independent contractors.

Uninsured Motorist

Protects your business if your driver is hit by someone without enough insurance — covering medical bills and lost income.

Cargo Coverage

Protects the goods you transport — tools, equipment, customer property, or freight — if they're damaged or stolen.

Hired & Non-Owned Auto

Covers vehicles your business rents, leases, or vehicles your employees use for work — even if you don't own them.

Beyond auto

The rest of what your business needs

Most businesses need more than just auto coverage. We write the whole stack.

General Liability

Protection against third-party claims for bodily injury, property damage, and personal injury that happen at your worksite or because of your work.

  • Slip-and-fall claims at your location
  • Damage to client property
  • Legal defense costs included

Workers' Compensation

Required by California law for most employers. Covers medical bills, lost wages, and disability for employees injured on the job.

  • Required if you have employees
  • Bilingual claims support
  • Class codes for every industry

Business Owners Policy (BOP)

Bundles general liability, property insurance, and business interruption into one policy — designed for small to mid-sized businesses.

  • Property & liability combined
  • Business interruption coverage
  • Usually less than separate policies
Why Safer for business

Built for businesses since 2000

Six reasons Southern California business owners trust us with their commercial coverage.

40+ carriers compared

We shop multiple commercial insurers on your behalf to find the best rate for your specific industry and vehicle types.

Same-day certificates of insurance

Need a COI to win a contract or start a job? We issue them on the spot, with no extra fees or waiting.

Bilingual business support

Every office serves you fluently in English and Spanish — quotes, claims, and certificates handled in the language you prefer.

Same-day coverage

Need to be insured today to start a job tomorrow? Walk in to any of our 6 offices and drive out covered.

6 locations

From San Ysidro to Indio to Tijuana — visit any of our 6 offices for an in-person consultation.

25+ years of experience

We've insured Southern California businesses through every kind of cycle, downturn, and growth period since 2000.

Also worth considering

Other coverage your business may need

Most business owners need more than just commercial auto. Take care of the rest in the same visit.

Group Health Insurance

Offer health benefits to your employees through Covered California for Small Business (CCSB). Free enrollment help.

See health insurance

Fleet DMV Services

Register vehicles, transfer titles, renew tags — all on-site for your entire fleet. Skip the DMV line every time.

See DMV services

Commercial Mexico

Crossing the border for business? Commercial Mexican auto policies for trucks, fleets, and delivery vehicles.

See Mexico coverage
Frequently asked

Commercial auto questions, answered

Got more questions? Call us at (619) 428-1333 or visit any of our 6 locations.

What's the difference between personal and commercial auto insurance?
Personal auto insurance covers your vehicle for personal use — commuting, errands, family trips. The moment you start using that vehicle for business — making deliveries, hauling tools to a job site, transporting clients — most personal policies exclude coverage. Commercial auto is built for that business use, with higher liability limits and protection for employees driving on your behalf.
Do I need commercial insurance if I only use my vehicle for work occasionally?
Likely yes — even occasional business use can trigger an exclusion on a personal policy. If you regularly haul work materials, make business deliveries, drive employees to jobs, or visit clients, you should be on a commercial policy. The cost is usually a few hundred dollars per year more, and protects you from claims that could otherwise cost tens of thousands.
What's a Certificate of Insurance (COI) and how fast can I get one?
A Certificate of Insurance is a one-page document proving you carry the coverage required by a contract, landlord, or general contractor. Most clients ask for one before you can start work. We issue them the same day, with no extra fees, and can include additional insured endorsements if your contract requires them.
Does commercial auto cover my employees driving their own cars for work?
Standard commercial auto policies cover vehicles your business owns. If employees use their own vehicles for work, you need Hired and Non-Owned Auto Liability (HNOA) coverage — usually added to your commercial policy or your general liability for a relatively small premium. Without it, your business can still be sued if your employee causes an accident while running an errand for you.
How much does commercial auto insurance cost?
It depends on your industry, the number and type of vehicles, your drivers' records, where you operate, and the coverage limits you choose. A single contractor's pickup might cost a bit more than a personal policy; a fleet of 10 delivery vans is significantly more. We compare quotes from 40+ commercial carriers and find the best rate for your specific situation.
Can I add or remove vehicles from my fleet policy?
Yes — fleet policies are designed to scale with your business. Add or remove vehicles any time, get updated certificates of insurance the same day, and only pay for what you actually have on the road. Call us or stop by any of our 6 locations to make changes.
Do I need workers' compensation if I'm a sole proprietor?
California law requires workers' compensation as soon as you have at least one employee — even if it's a relative or part-time worker. Sole proprietors without employees are usually exempt, but some industries (like roofing) require coverage regardless. We'll check your situation and let you know exactly what's required.
What information do I need to get a commercial auto quote?
Basic info to get started: your business name and type, list of vehicles (year, make, model, VIN), drivers and their licenses, how the vehicles are used (delivery, sales, hauling, etc.), your current coverage limits, and any contracts that require specific coverage minimums. We'll walk you through everything in the office or on a phone call.

Get your business covered today.

Walk in, call, or request a quote online. We'll have you protected with a certificate of insurance in hand — same day.

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