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Protect Your Business on the Road With California Commercial Auto Insurance From The Allen Thomas Group Insurance Agency

Drive with confidence knowing your business is protected.

Experience matters: The Allen Thomas Group Insurance Agency offers custom-tailored commercial auto insurance solutions to fit your specific needs.

Our policies provide coverage for accidents, property damage, and liability, ensuring your business operations continue uninterrupted.

Our policies cover business vehicles and protect companies from financial losses due to accidents.

Tailored coverage: We tailor coverage to fit the unique needs of startups, small businesses, enterprises, corporations, and LLCs across the state.

We invite you to contact us for a free commercial auto insurance quote today tailored to your company’s needs.

How much does commercial auto insurance cost in California?

The cost of commercial auto insurance in California averages $147 per month or $1,762 annually for small businesses. This cost can vary by state and is based on factors, such as the number of vehicles, vehicle types, driving records, and industry risks.

What Does Commercial Auto Insurance Cover in California?

California state needs met: Business auto insurance protects businesses that use vehicles for work purposes.

The California Department of Insurance mandates this coverage for all company-owned vehicles.

Our policies meet state requirements and offer additional protections tailored to your business.

California Commercial Auto Insurance for Small Business Requirements

Coverage Type – Minimum Limit

Bodily Injury Liability (per person) – $15,000
Bodily Injury Liability (per accident) – $30,000
Property Damage Liability – $5,000

These limits represent the legal minimum.

We recommend higher limits for most companies that use vehicles for business to ensure adequate protection.

Benefits of Choosing The Allen Thomas Group

Insurance is a type of essential safeguard for your business.

Choose the best insurance company to determine the right coverage limits for you.

The right insurance company agrees to pay for the covered damages suffered by their client.

Why choose us: When you choose The Allen Thomas Group, you get access to the top California commercial auto insurance carrier and benefit from our 20+ years of California insurance expertise.

We offer tailored commercial policies for every business type, competitive commercial auto insurance rates, excellent claims support, and risk management guidance.

The right coverage: The Allen Thomas Group can help you determine the right amount of commercial auto insurance you need to protect your business from financial losses.

A Los Angeles tech startup saved 15% on premiums by bundling commercial car insurance with their business owner’s policy through our agency.

Factors Affecting Your Business Insurance Premium

Several elements influence your commercial auto insurance costs. The driving records of your employees play a significant role in determining premiums.

Vehicle types and value are also considered, as more expensive vehicles typically cost more to insure.

Your business location affects rates, with urban areas like San Diego often having higher premiums than rural areas.

Annual mileage, coverage limits, deductibles on a commercial auto policy, and claims history are all factored into your premium calculation.

We analyze these factors to find the most cost-effective coverage to protect your business vehicles.

Managing Risk and Reducing Premiums

The Allen Thomas Group helps California businesses minimize risks and lower insurance costs. We recommend implementing driver safety programs to improve your employees’ skills and reduce accident likelihood.

Regular vehicle maintenance can prevent breakdowns and accidents.

Installing anti-theft devices in your vehicles can lead to premium discounts.

Choosing appropriate deductibles can balance out-of-pocket costs with lower premiums.

Bundling policies often results in significant savings.

A Sacramento-based landscaping company reduced their premiums by 20% after implementing our recommended safety program.

Claims Process and Support

Claims streamlined: We streamline the claims process for our California clients. When an incident occurs, prompt reporting is crucial.

Our team will work with you throughout the claims process. You’ll receive ongoing guidance to ensure a smooth experience.

Our goal is to get you back to business quickly, minimizing disruption to your operations.

Our 24/7 claims support ensures you’re never left stranded, even outside of regular business hours.

Commercial Auto Insurance for Specific Industries & Business Vehicles

Different industries face unique risks on the road.

Industries we specialize: We offer specialized insurance for your business, including construction firms, retail businesses, food service companies, technology startups, healthcare providers, and professional services.

Each industry has specific considerations that we factor into policy design.

We understand that each industry uses specialized equipment during travel:

Construction – Heavy equipment, job site travel
Food Service – Perishable cargo, frequent stops
Healthcare – Patient transport, medical equipment
Technology – High-value electronics, client visits

We ensure your policy complies with all relevant California and federal regulations, regardless of your industry’s specific requirements.

Hired and Non-Owned Auto Coverage

Renting: Many California businesses use rented vehicles or allow employees to drive personal cars for work. It is best to purchase hired and non-owned auto insurance for your business to fill this gap.

This type of insurance policy protects against liability when using non-company vehicles, covering rentals, employee-owned cars, and borrowed vehicles.

Besides, this coverage supplements personal auto insurance policies, which may not cover business use.

An employee of a San Jose consulting firm caused an accident while driving to a client meeting. When personal auto policies do not help for vehicles used for business, hired and non-owned coverage comes to the rescue from a costly lawsuit.

Fleet Management and Insurance

Fleet management: For businesses with multiple vehicles, we offer comprehensive fleet insurance solutions.

These types of commercial policies provide simplified management, potential cost savings, and consistent coverage across all vehicles.

They also facilitate easier tracking and reporting. We develop tailored risk management strategies for your fleet. Our flexible policies adapt to your business’s evolving needs, accommodating changes in fleet size throughout the year.

The Allen Thomas Group Difference

Choosing the right small business insurance partner makes a difference.

Make the right choice: With over 20 years of experience in the insurance industry, The Allen Thomas Group is a leading licensed commercial insurance agency serving California.

Our California-focused expertise ensures we understand the unique challenges businesses face in the state.

We offer personalized service, taking the time to understand your specific needs. With access to multiple carrier options, we can shop around for the best rates and liability coverage.

Preparing for the future: We conduct ongoing policy reviews to ensure your coverage keeps pace with your business growth. Our proactive risk management approach helps prevent issues before they occur.

A Fresno trucking company switched to our agency and received a comprehensive policy review.

We identified coverage gaps and potential savings, resulting in better protection at a lower cost.

The Importance of Adequate Coverage Limits

More than the minimum: While California sets minimum coverage requirements, these often prove insufficient for businesses.

Higher limits protect against costly lawsuits that could otherwise bankrupt a company.

Adequate commercial auto coverage options safeguard your business assets, ensuring one accident doesn’t wipe out years of hard work.

Proper auto liability insurance also demonstrates professionalism to clients, showing you’re prepared for any eventuality. We help determine appropriate limits based on your risk profile and assets.

An Oakland-based delivery service faced a $500,000 lawsuit after a severe accident. Their policy’s $1 million limit, recommended by our agency, fully covered the claim and legal fees.

Understanding Policy Exclusions

What is excluded: Business auto insurance policies typically have certain exclusions. These often include personal use of business vehicles, intentional damage, nuclear hazards, and war-related incidents.

We clearly explain all policy terms, ensuring you understand your coverage and any limitations. This transparency helps prevent surprises in the event of a claim.

Tailored Insurance Solutions Built For Your California Business

Yes, It's Really That Easy

We know how frustrating and complex the process of finding the right commercial auto insurance can be.

Let us help craft a policy that works for you.

Get Business Vehicle Insurance in California Now

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Client Testimonials and Case Studies

Hear Directly From Other Clients

Our Commercial Insurance Carrier Partners

WE HAVE PERSONAL CONTACTS WITH THESE TRUSTED A-RATED INSURANCE COMPANIES

That allows us to find the best rates for your business.

Let Us Help You Get a Insurance Quote Today To Protect Your California Business Vehicles

Securing the right commercial auto insurance coverage for your California business is straightforward.

Start by contacting The Allen Thomas Group.

Lets talk: We’ll discuss your business needs and types of vehicles used for business purposes in detail.

Based on this information, we’ll provide a customized commercial auto insurance quote.

You’ll have the opportunity to review and adjust coverage options to ensure they meet your needs and budget. Once you’re satisfied, we’ll implement your new policy. Our experienced agents will assess your business operations and recommend appropriate coverage, even if you’re unsure what you need.

You’re invited: We invite you to reach out to the leaders in the California insurance industry to get a free quote today.

Our team of top California commercial insurance agents stands ready to craft a commercial auto insurance policy that meets your insurance needs and budget.

Call (440) 826-3676 or click on the button below to get started.

What's the difference between personal and commercial auto insurance?

Personal auto insurance can cover vehicles used for non-business purposes. You need commercial auto insurance to protect vehicles used for work-related activities, offering higher liability limits and specialized coverages tailored to business needs.

Do I need commercial auto insurance if I use my personal vehicle for work?

You need commercial auto insurance if your business uses personal vehicle as part of your business activities beyond commuting. Personal policies often exclude business use, leaving you unprotected during work-related driving activities.

How can I lower my commercial auto insurance premiums?

Implement a driver safety program and maintain a clean driving record. Consider higher deductibles, bundle policies, and install anti-theft devices in your vehicles to potentially reduce premiums.

What happens if an employee gets in an accident while driving a company vehicle?

Your commercial auto insurance can cover damages and injuries, subject to policy limits and terms. The Allen Thomas Group will guide you through the claims process and help manage any potential liability issues.

Does commercial auto insurance cover vehicle theft?

Vehicle theft is often covered by a commercial auto policy with comprehensive coverage. We recommend this coverage for businesses in high-risk areas or with valuable vehicles as any damages in accident or theft is covered by commercial auto insurance.

How does California's commercial auto insurance differ from other states?

California has specific minimum liability requirements and unique regulations governing commercial auto insurance. Our local expertise ensures your policy complies with all state-specific mandates and industry regulations.