As a business owner in California, your vehicles are more than just transportation-they’re essential assets that keep your company moving. Whether you operate a single van or manage a fleet of trucks, commercial auto insurance is your first line of defense against costly accidents, property damage, and legal claims. With the right coverage, you protect not only your vehicles but also your employees and your business’s financial future.

Why Small Businesses in California Need Commercial Auto Insurance

California is home to millions of small businesses, many of which rely on vehicles for daily operations. State law requires any business that owns vehicles to carry commercial auto insurance, even if you use a personal vehicle for work tasks like deliveries or client visits. Personal auto policies typically exclude business use, leaving you exposed to significant risks if an accident occurs during work-related activities. Without proper coverage, your business could face expensive lawsuits, repair bills, and even regulatory penalties.

Coverage Options for Business Auto Insurance in California

Commercial auto insurance in California can be tailored to fit the unique needs of your business. Key coverage options include:

• Liability coverage (bodily injury and property damage)

• Physical damage (collision and comprehensive)

• Medical payments

• Uninsured/underinsured motorist coverage

• Hired and non-owned auto coverage (for vehicles you rent or employees’ personal vehicles used for business)

• Roadside assistance, rental reimbursement, and downtime coverage

As of January 1, 2025, California’s minimum liability limits will increase to $30,000 for injury or death to one person, $60,000 for injury or death to more than one person, and $15,000 for property damage. However, many businesses choose higher limits for better protection.

Who Needs Commercial Vehicle Insurance in California?

You likely need commercial auto insurance if:

• Your business owns, leases, or rents vehicles

• Employees drive company vehicles

• You transport goods, equipment, or people for a fee

• You use a vehicle for services (e.g., contracting, delivery, sales visits)

• Your vehicle is registered under a business name or used for business purposes

Even if you use a personal vehicle for business, a commercial policy may be required to ensure full protection.

Industries We Insure: Contractors, Delivery, Trucking, and More

At Blake Insurance Group, we serve a wide range of industries, including:

• Contractors and construction firms

• Delivery and courier services

• Trucking and transportation companies

• Food trucks and catering businesses

• Sales and service professionals

• Real estate and property management

• Healthcare and non-emergency medical transport

No matter your field, we can customize coverage to fit your business’s specific risks and requirements.

Fleet Insurance Solutions for Small and Mid-Sized Businesses in California

If your business operates two or more vehicles, fleet insurance can simplify your coverage and reduce costs. Fleet policies allow you to insure all your vehicles under one plan, making it easier to manage renewals, add or remove vehicles, and take advantage of bulk discounts. As your fleet grows, the average cost per vehicle often decreases, helping you control expenses while maintaining robust protection.

Why Choose Blake Insurance Group for Your Commercial Auto Insurance Needs

Blake Insurance Group is an independent agency dedicated to helping California businesses find the right commercial auto insurance at affordable rates. Here’s why clients trust us:

• Access to multiple top-rated carriers for competitive quotes

• Customized policies tailored to your industry and business size

• Expert guidance on coverage limits, state requirements, and risk management

• Dedicated support for claims, policy changes, and ongoing service

We understand the unique challenges California businesses face and are committed to protecting your vehicles, employees, and bottom line.

Get a Fast, Free Quote for Commercial Auto Insurance in California

Ready to safeguard your business vehicles? Contact Blake Insurance Group for a fast, no-obligation quote. We’ll compare options from leading insurers to find the best coverage at a price that fits your budget. Our experienced agents make the process simple and transparent-so you can focus on running your business.

Our Service Areas for Business Auto Insurance Near You

We proudly serve businesses throughout California, including:

• Los Angeles

• San Diego

• San Francisco Bay Area

• Sacramento

• Fresno

• Inland Empire

• Orange County

• And all surrounding communities

No matter where your business is located, Blake Insurance Group is here to help you secure affordable, reliable commercial auto insurance.

Protect your business’s future-reach out today for your personalized commercial auto insurance quote in California!