Commercial Auto Insurance

Commercial Auto Insurance for California, Arizona, Nevada, Colorado and more.

 Commercial auto insurance can cover a combination of vehicle types (trucks, cars) and drivers, as well as some types of motorized equipment. It provides for bodily injury liability and property damage while operating a company automobile, medical payments or Personal Injury Protection (PIP) for the driver and passengers of the policyholder's car. Injuries or damage to someone else are also covered. 

Hired/Non-owned Auto Liability

Are you renting cars or are your employees using their own vehicles? This particular coverage provides business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired), or a non-owned vehicle (employee using their own vehicle on company business). Oftentimes this coverage can be added inexpensively to a business auto policy, or in some cases, a general liability policy.

Use of Personal Vehicles

Insurance policies for privately owned vehicles may not cover damage to your privately owned car or truck when it is used for business, even home cosmetics, jewelry sales or a pizza delivery business. 

Every business is unique – talk to Gary Warner Insurance today to find out how to get the best commercial auto insurance, service, price and value. Give Gary Warner Insurance Agency a call at 818-706-8625 one of our licensed Agents will be happy to discuss your business’ needs.

Don’t be. Commercial auto insurance is remarkably inexpensive.

Commercial auto insurance coverage may include:

• Comprehensive and Collision 
• Emergency Roadside Assistance
• Liability
• Medical Payments
• Loss of Earnings
• Uninsured Motor Vehicle

When your employees use a company vehicle for business purposes, their personal auto policy coverage no longer applies in the event of an accident, property damage, or fatality caused by one of your employees.

At our firm, you’ll speak with an experienced and licensed agent whose main goal is to design a policy to fit to your particular business needs.

Whether your commercial vehicle is for occasional use, a possible new venture, or a daily necessity, we are here to make sure coverage is applicable and answer any questions you may have.

As one business owner found out, it’s always best to ask if you don’t know what type of policies you may need.

This owner had a love for fashion and a knack for finding gently used clothing. One day, she decided to take a leap of faith and open her own vintage clothing boutique.

It didn’t take long for business to start booming for the boutique. It wasn’t long before she had an epiphany: Why not complete personal deliveries for locals? 

It wasn't long before she was making deliveries, when the unthinkable occurred: she backed into a young man on a bicycle. While he was not seriously injured, he was hospitalized overnight for monitoring.

The next day a claims adjuster called to inform her that since she was doing business at the time of the accident, the claim would not be covered by her personal insurance policy.

Stuck with a huge hospital bill and letter of lawsuit from the biker’s attorney, she was forced to shut down her business.

Can you afford to expose your income, your personal property, and your employees to this high-level of risk? If the answer is “no,” then we can help.

While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.  Here in Agoura Hills, Los Angeles, Woodland Hills and all of California, Arizona, Colorado, Nevada and Texas.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent, to be both affordable and responsive.

Contact us, and let our insurance professionals help you protect what you care about most.