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Home > Commercial-Products > Coverage-For-Your-Business > Commercial Auto Insurance - Palmdale CA & Lancaster CA, Inc.

Commercial Auto Insurance Palmdale, CA

Peace of Mind for Businesses on the Road

Driscoll & Driscoll Insurance Agency, Inc. understands the value of your commercial vehicles and the employees who drive them. From trips across the country to local deliveries and promotions, your mobile business fleet takes on the open road to keep operations running smoothly – but accidents do happen.

Why do I need commercial auto insurance?  

When you buy a vehicle (or fleet of them) for your company, or even allow an employee to operate their own vehicle on your behalf, then your business could be the one to suffer if something happens to one of those drivers or vehicles. Commercial auto insurance is designed to provide you with financial assistance, and as a result your company won’t face financial setbacks just because an accident occurred.  

Who needs commercial auto insurance?  

Commercial auto insurance is designed specifically for vehicles and drivers operating on behalf of a business. Though very similar to personal auto insurance, a commercial auto policy will contain specialized coverage terms that are designed to protect the company’s investment in the vehicles.  
Various vehicles and drivers might need to be covered by a commercial auto policy. These include:

  • Vehicles owned by a business  

  • Employees who drive their personal cars on business-related errands  

  • Company cars provided to employees for commercial and private use  

  • Vehicles hired or rented by the business  

  • Certain personal vehicles that qualify as commercial due to their weights or sizes  


What does commercial auto insurance cover?

 The average commercial auto policy can offer numerous benefits, each of which can apply to different loss scenarios involving your vehicles or drivers. These include:  

  • Liability Insurance: When an accident is deemed your fault, this coverage help you pay for the damage you do to others (like other drivers) who weren’t in the car with you.  

  • Bodily Injury Liability Coverage: This plan pays for third-party medical bills and sometimes for death benefits.  

  • Property Damage Liability Coverage: This pays for damage to the other party’s property.  

  • Hired/Non-Owned Auto Liability Insurance: This liability coverage extends to vehicles not owned by the business but used by them for business purposes. These might include employees’ personal cars or vehicles that you rent or hire to use temporarily.  

  • Collision Insurance: This covers damage to your own vehicle that you sustained in a wreck.  

  • Comprehensive Insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.  

  • Medical Payments/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. Sometimes, it will cover other losses, such as lost income.  

  • Uninsured/Underinsured Motorist Insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.  

Additionally, other policies and endorsements might help you expand your benefits, such as:  

  • Inland Marine Insurance  

  • Roadside Assistance  

  • Rental Car Reimbursement  

  • Custom Parts Coverage  

 

  • Replacement Cost Vehicle Coverage  

  • Gap Insurance  


Since Commercial Auto Insurance coverage varies, it is important to discuss your business’s options with a specialist at Driscoll & Driscoll Insurance Agency, Inc. who can help you determine the proper amount of coverage for all your commercial needs.

Auto Insurance is an essential financial decision that will keep your business covered. The next time your fleet takes the road, make sure it is protected with a Commercial Auto policy from Driscoll & Driscoll Insurance Agency, Inc.. Call us at 661-266-9390 or complete the online quote request form today!

Contact us
661-266-9390 41235 11th Street West, Ste. B | Palmdale, CA 93551
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41235 11th Street West, Ste.B
Palmdale, CA 93551
P: 661-266-9390
F: 661-266-9391
info@driscollanddriscoll.com



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