Commercial Auto Insurance

Commercial Auto Insurance protects the vehicles your business owns, uses, or depends on—just like personal auto insurance, but designed specifically for business risks. Whether you operate one truck or a full fleet, the goal is the same: protect your money, your equipment, and your business in the event of an accident.

Why You Need Commercial Auto Insurance

Personal auto insurance does not automatically cover business use. If a vehicle insured personally is involved in an accident while being used for work, the claim may be denied. In some cases, placing a business vehicle on a personal auto policy can even be considered misrepresentation, which may carry serious consequences.

To stay protected and compliant, businesses typically need both:

• A personal auto policy for privately driven vehicles

• A commercial auto policy for vehicles used for business operations

Types of Coverage Available

Commercial Auto Insurance offers many of the same protections as personal auto insurance, including:

• Liability Coverage – Pays for bodily injury or property damage you cause to others.

• Collision & Comprehensive – Covers your vehicles for crashes, theft, vandalism, fire, and other physical damage.

• Medical Payments / Personal Injury Protection – Covers medical expenses for you and your passengers.

• Uninsured/Underinsured Motorist Coverage – Protects you if you’re hit by a driver with insufficient insurance.

Businesses can also add coverage for:

• Rented or leased vehicles

• Employee-owned vehicles used for business

• Trailers and attached equipment

• Tools and materials transported in company vehicles

Proper Insured Name Matters

If a vehicle is owned by a business, the business name should be listed as the principal insured—not your personal name. This prevents claim disputes and ensures coverage applies correctly to the right legal entity.

Choosing the Right Policy

A commercial auto policy is structurally different from a personal policy, even if some coverage types sound similar. A good agent should walk you through:

• How each vehicle is used

• Who drives it

• Who owns it

• What’s being transported

• Whether you rent, lease, or use employee vehicles

This ensures the policy matches the real risks your company faces.

When selecting your commercial auto program, consider:

• Insurance carrier quality

• Affordability and flexible financing

• Adequate protection for individuals, partnerships, and corporations

• The unique needs of your trade or operation

Contractors: We've Got the Right Fit for Your Vehicles

At Brooks Commercial Insurance Services, we work with contractors across California—from solo operators needing one vehicle added to their policy, to companies managing an entire fleet. We offer a variety of programs tailored to the way contractors drive, haul, and work.

No matter what you’re operating—trucks, vans, pickups, dump trailers, or a mixed fleet—we’ll help you build a commercial auto solution that keeps your business moving safely and legally.