Protect Your Work Vehicles & Drivers — Fast, Local, Contract‑Ready
From one pickup to a small fleet, we build commercial auto programs that meet landlord, vendor, and city requirements. Options for Liability, Comp/Collision, UM/UIM, Medical Payments, Hired & Non‑Owned Auto, Drive Other Car, plus Umbrella. We issue same‑day COIs and help with CA MCP‑65 and FMCSA (BMC‑91X/MCS‑90) filings when required.
Auto Liability
Meets contract & permit requirements; add AI/Primary wording on COIs.
How It WorksComp & Collision
Physical damage for owned vehicles; choose deductibles that fit.
Learn MoreUM/UIM & Med Pay
Protect drivers and passengers from underinsured motorists.
Driver CoverageHired & Non‑Owned
Covers business use of employee/borrowed vehicles.
HNOA DetailsFilings & COIs
MCP‑65, BMC‑91X, MCS‑90; fast certificates with contract wording.
FilingsUmbrella
Extra liability limits for landlords, municipalities, and primes.
UmbrellaWhat’s in a Commercial Auto Policy?
- Liability: Bodily injury/property damage to others; contract‑friendly limits.
- Comprehensive & Collision: Physical damage to your vehicles (theft, fire, collision).
- UM/UIM & Medical Payments: Helps protect drivers and passengers.
- Hired & Non‑Owned Auto (HNOA): Coverage when staff drive personal/rented vehicles for work.
- Drive Other Car: Optional coverage for owners/executives who need personal‑like coverage.
- Additional Insured / Waiver: We add endorsements your contracts require.
Tip: Ask about Symbol 1 (Any Auto) or the right ISO symbols for your fleet. We’ll match your operations and contracts.
Vehicles We Insure
- Pickups, vans, small box trucks, stakebeds
- Service/utility bodies (ladders, racks, toolboxes)
- Refrigerated vans (ask about breakdown/spoilage options)
- Light/medium duty dump & flatbeds
- Trailers (scheduled) and attached equipment
Have out‑of‑state travel or interstate hauling? We’ll add the filings and limits you need.
Hired & Non‑Owned Auto (HNOA)
- Employees’ cars for errands: Protect your business from third‑party claims.
- Short‑term rentals: Add hired auto liability & physical damage when needed.
- Delivery/courier work: Confirm platform and vendor requirements—bring us the contract.
Filings & Certificates
- California MCP‑65: DMV Motor Carrier Permit proof of insurance (when required).
- FMCSA: BMC‑91X liability filing and MCS‑90 endorsement for eligible carriers.
- COIs: Additional Insured, Primary & Non‑Contributory, Waiver of Subrogation, Per‑location aggregate (where available).
We issue fast COIs so you can onboard with primes, municipalities, and GC partners.
Who We Insure
- Contractors: electrical, plumbing, HVAC, painting, roofing
- Landscaping & tree service
- Auto service & parts delivery
- Restaurants, catering & food trucks
- Retail delivery & couriers
- Property management & maintenance
Serving Lathrop & Nearby Cities
We write commercial auto across California: San Joaquin County, Lathrop, Tracy, Stockton, Manteca, Ripon, Mountain House, Modesto, San Jose, Fremont, Santa Clara County, Sacramento, Fresno, Los Angeles, San Diego and more.
Local garaging addresses and safe‑driver programs can improve pricing.
Popular Add‑Ons
- Rental Reimbursement & Towing
- Custom Equipment (racks, lifts, refrigeration units)
- Inland Marine / Tools for gear carried in vehicles
- Cargo / Goods in Transit (where applicable)
- Dashcams & Telematics (ask about incentives)
- Commercial Umbrella for higher contract limits
Ways to Save
- Bundle Auto + BOP + Workers’ Comp + Umbrella
- Driver screening & MVR monitoring
- Fleet safety program and vehicle maintenance logs
- Choose deductibles you can comfortably carry
Commercial Auto FAQs
Do I need Hired & Non‑Owned if employees use their own cars?
Yes—HNOA protects the business if an employee causes an accident while running errands or delivering in a personal vehicle.
Can you help with California MCP‑65 and FMCSA filings?
Absolutely. We coordinate CA MCP‑65 and federal filings like BMC‑91X and the MCS‑90 endorsement when your operations require them.
What limits should I carry?
Contracts often require at least $1M CSL Auto Liability. We’ll match your contract language and can add an Umbrella for higher limits.
Are tools and cargo in my vehicles covered?
Tools/equipment are usually insured under an Inland Marine policy; cargo/goods may need a separate coverage. We’ll bundle as needed.
Disclaimer: This page provides general information and isn’t a guarantee of coverage. Policy terms and eligibility vary by carrier and state.
