A personal auto policy won't cover a crash that happens while you're doing business — and one at-fault accident can cost millions. CISA places commercial auto insurance for California and Arkansas businesses, from a single work truck to a full fleet, through 40+ A-rated carriers. Get a bindable quote in 15 minutes.
Commercial auto insurance covers the vehicles your business owns, leases, or hires — and protects your business from the outsized cost of an at-fault accident.
Pays for bodily injury and property damage you cause to others in an at-fault accident while using a business vehicle — the core of any commercial auto policy.
Covers damage to your vehicle from a collision — with another vehicle, an object, or a rollover — regardless of fault, up to the vehicle's actual cash value.
Covers damage to your vehicle from non-collision events — theft, vandalism, fire, hail, falling objects, and glass breakage — while parked or in transit.
Pays medical expenses for the driver and passengers in your vehicle injured in an accident, regardless of who is at fault.
Covers your injuries and damage when the at-fault driver has no insurance — or not enough — to pay for the harm they caused.
Covers liability when you rent a vehicle for business or when an employee drives their personal car on company business — essential even if you don't own vehicles.
From a single pickup to a 50-vehicle fleet, we structure scheduled and blanket coverage, manage driver schedules, and build a program that scales as your operation grows.
We write commercial auto for trucking operations, including motor carrier coverage, ICC/MC filings, and cargo coverage — for local and interstate haulers across California and Arkansas.
We help you manage driver qualification files and motor vehicle records so a bad driver history doesn't sink your whole fleet's premium — and flag problem drivers before renewal.
Commercial auto insurance covers vehicles used for business purposes — trucks, vans, cars, and trailers owned, leased, or hired by your business. It provides liability, physical damage, and other coverages that a personal auto policy will not extend to business use.
Yes — a personal auto policy typically excludes business use. If you drive your own vehicle for business (beyond a commute), you need hired and non-owned auto coverage at minimum. If you own vehicles titled in the business name, you need a full commercial auto policy.
Cost depends on vehicle type, use, radius of operation, driver records, and coverage limits. A single work van may run $1,200–$2,500/year; a multi-vehicle fleet costs more. CISA shops 40+ carriers for the most competitive rate on your specific vehicles and routes.
Liability for cargo is generally not included in a standard commercial auto policy — it requires motor truck cargo coverage. For-hire truckers also need to file ICC/MC authority. We bundle commercial auto with cargo and filings for trucking operations in one program.
CISA places coverage across every line your business needs. Explore related policies or talk to a specialist about bundling for savings.
Protect your crew and stay compliant with California labor laws.
Cover bodily injury, property damage, and advertising injury claims.
Built for licensed trades — GL, WC, tools, and bonds bundled.
Fleet, truck, and single-vehicle commercial coverage.
Guides on compliance, cost reduction, and claims management.
Looking for something specific? Browse all coverage options or call (209) 400-1710
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