Commercial vehicle insurance for California fleets, contractor trucks, delivery vans, and business-owned vehicles. One accident in a company vehicle can expose your business to a seven-figure judgment — Wellington Partners Insurance Services structures business auto programs around how your vehicles actually operate, with options from multiple A-rated carriers.
A personal auto policy excludes commercial use. The moment an employee drives on company time or in a company-owned vehicle, personal policies step aside — and your business becomes the target. Commercial vehicle accident verdicts in California routinely exceed $1 million, and your company's assets are on the line alongside the driver's.
Whether you operate a fleet of service trucks, a single contractor pickup, or delivery vehicles on tight daily schedules, commercial auto insurance California is the difference between an insured claim and a judgment against your business assets. DOT-regulated operations face additional filing requirements that standard policies cannot satisfy without specific endorsements.
A business auto policy is built from the coverages below — Wellington Partners Insurance Services structures limits and policy symbols around your actual fleet operations, not a generic template.
Bodily injury and property damage your vehicles cause to others — the coverage contracts, certificates, and DOT filings require, with limits sized to today's California verdicts.
Collision and comprehensive coverage for owned trucks, vans, pickups, flatbeds, and trailers — including theft, vandalism, fire, and weather losses.
Protects the business when employees drive personal, rented, or leased vehicles on company business — the exposure most owners don't realize they carry until a claim arrives.
Covers your drivers and vehicles when the at-fault party carries no insurance or minimal limits — critical on California's high-volume roads.
Pays medical expenses for drivers and passengers in your vehicles after an accident, regardless of fault.
Coverage for trailers, mounted equipment, and permanently attached tools that travel with your vehicles — often overlooked until a loss occurs.
Any California business that owns, leases, or regularly uses vehicles — and many that don't own vehicles still carry hired and non-owned exposure:
As an independent California commercial insurance brokerage since 2009, Wellington Partners Insurance Services quotes your fleet across multiple A-rated commercial auto markets, handles DOT filings, issues same-day certificates, and provides claims advocacy from first report through resolution.
Get a commercial auto insurance California quote — start your quote or call (818) 492-4355.
Every coverage above pays for something different. Here's what each one actually covers, with a real-world example of when it applies.
Your driver rear-ends a passenger vehicle while running a delivery route, injuring the other driver.
Auto Liability covers the other driver's medical bills and vehicle repair up to your policy limit — before your business's own assets are exposed.
A hailstorm dents a parked service van overnight, and separately, a driver backs into a loading dock.
Comprehensive pays for the hail damage; Collision pays for the dock damage — each minus its deductible, regardless of who was at fault.
An employee drives her own car to drop a proposal at a client's office and causes an intersection accident.
Because she was on a business errand, the business is named in the claim — Hired & Non-Owned Auto responds even though no company-owned vehicle was involved.
An uninsured driver runs a red light and T-bones your delivery van, injuring your driver.
With no liability coverage to draw on from the other driver, Uninsured Motorist coverage steps in to cover your driver's medical costs instead.
An uninsured driver sideswipes your parked delivery van and leaves the scene before you get a plate number.
With no at-fault driver to pursue and no Collision coverage on that vehicle, Uninsured Motorist Property Damage is what pays for the repair — without it, the cost falls on the business.
Your driver needs an ER visit after a minor, at-fault collision.
Med Pay covers the visit immediately, without waiting on a liability determination.
A contractor's equipment trailer is stolen from a jobsite overnight, tools and all.
Physical damage coverage on the trailer responds to the theft — separate from Inland Marine, which covers the loose tools inside.
The number on a commercial auto policy that determines which vehicles are actually covered — the most commonly misread part of the declarations page.
| Symbol | Meaning | Applies To |
|---|---|---|
| 1 | Any Auto | Broadest option — covers any vehicle, owned or not, including a same-day rental. |
| 2 | Owned Autos Only | Every vehicle titled to the business — a new truck bought mid-term isn't covered until it's added. |
| 7 | Specifically Described Autos | Only the exact vehicles listed by VIN — buy a third truck, and it has no coverage until endorsed. |
| 8 | Hired Autos Only | Vehicles rented, leased, or borrowed short-term, like a rental while yours is in the shop. |
| 9 | Non-Owned Autos Only | Employee-owned vehicles used for business, like a driver's personal pickup for a same-day delivery. |
Protects others when your business is at fault — their injuries, their property. It does not pay for your own vehicle or your own driver's injuries.
Your driver's injuries are only covered through Uninsured/Underinsured Motorist and Medical Payments coverage. Without one of these, an at-fault accident with an uninsured driver can leave your driver's medical bills uncovered.
Fleet or single vehicle — Wellington Partners Insurance Services quotes your commercial auto program across multiple A-rated California carriers. Call (818) 492-4355 or request a quote today.
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