ALL California employers must provide coverage for their California employees
Commercial Auto Insurance For California's Businesses, Fleets, and More
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Commercial Auto Insurance California
California law states that any vehicle registered in the state of California must be insured by an auto policy. You can accomplish this by either acquiring a personal or commercial auto insurance policy in California. Contact us to determine which type of policy you need and get the best commercial auto insurance in California. Whether you have one company owned vehicle or a fleet of vehicles, technically you should have a commercial auto policy to cover the liability, property, and physical damage for these vehicles.
We insure all types of business vehicles including commercial cars, tow trucks, semi-trucks, tractor trailers, box trucks, dump trucks, business vans, etc. The trick to truly finding the right Commercial Auto insurance in California is having access to as many carriers as possible to compare and compete against each other. Whether you are looking for the cheapest commercial auto insurance in California, or the most comprehensive coverage, we can connect you with the right plan. JVRC Insurance can also answer any questions you may have and guide you to find the limits and coverage that are right for your company. We are a brokerage so we are not constrained to working with just one carrier. This translates to us being able to work with all carriers to provide you with the best Commercial Auto Insurance in California for your business.
Even if your employees use company cars for both business and personal use, it would be wise to purchase a commercial auto policy for your California business. Any time an employee is involved in an accident while on the job, your business is liable and vulnerable to damages and lawsuits. If your employees are driving personally owned vehicles for business or if your company decides to rent any vehicles, we can also provide Hired and Non-Owned coverage to protect your business from any liability issues that can transpire while your company is being represented on the road. JVRC Insurance can help you find the most affordable commercial auto insurance coverage.
If you are a new business looking to place your first Commercial Auto Policy in California, a small to large size business looking for savings, or if you are just a California business looking for additional services, then JVRC insurance is your solution. We can also offer commercial truck insurance including motor truck cargo insurance. Contact us today for a quote! We can also answer any questions or concerns you may have. We are just a click or a call away.
Basic Commercial Auto Insurance coverage includes Liability and Physical Damage coverage. Liability insurance provides coverage for injuries or damages to other people or property if you’re at fault for an accident. Physical Damage can offer coverage to your vehicles in case of a collision or if one of your vehicles is stolen. Ask us about other auto coverage you can add to help protect your business.
You may need some form of Commercial Auto Insurance if:
- Your business owns, leases, or rents vehicles
- Employees drive company-owned, leased, or rented vehicles
- Employees drive their own vehicles while conducting business
- You or your employees drive company cars for both business and personal use
Contact Us for Your Commercial Auto Insurance In California
Contact us for the best commercial auto insurance in California and receive your personalized Commercial Auto quote today!
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Frequently Asked Questions about Business Insurance
Why is California Workers Comp Insurance so expensive?
Largely because of claims that occur, experience modifications, fraud and payroll amounts statewide
Where do we get the information we post on our blog site?
The Department of Insurance website, The WCIRB, The Insurance Journal and many other trusted sources
What is an experience modification?
It’s a percentage that compares the payroll and loss history of your company to a similar-sized company within the same industry. For example, if a company has a better than average loss record, their experience modification would be less than 100%. If that is the case you would receive a credit on your Workers Comp rates. If that is not the case however it would result in the opposite, an increase in rates. The experience modification can be closely compared to an individual’s credit score.
Why is Workers Compensation Insurance a necessary requirement?
It is illegal in the state of California to not carry it. There will be penalties, fines and many other consequences if a worker is injured and you do not carry it. Furthermore if there is a claim and you do not have California Workers Compensation Insurance at the time the employer is still liable for all costs relating to the injury which can be devastating to any company.
How does your insurance carrier determine what your experience modification number is?
This is calculated based on your payroll, premium paid and by your reported losses for the last three consecutive years
Who regulates and makes California Workers Compensation laws?
The Department of Insurance regulates the laws and the State Senate makes them
What is a Classification or a class code?
It’s a component used determine the price an employer pays for their workers’ comp insurance premium. Classifications are established for each industry and typically include all jobs or operations within a particular business.