Contractors and trades
Work pickups and service vans used by electricians, plumbers, and other trade businesses.
California business insurance
Commercial Auto Insurance in California
Your vehicles keep your business moving. Talk with Capital Providers Insurance Services about coverage for work cars, contractor pickups, service vans, and business fleets.
Coverage that starts with how you work
For the vehicles behind your business
Business-owned vehicles
Company cars and vehicles used for day-to-day business operations.
Commercial fleets
Multiple work vehicles, including eligible retail and manufacturing fleets.
Our focus is California business vehicles and fleets. Long-haul trucking and for-hire freight businesses are outside this page’s quote service focus. Eligibility depends on your operations, vehicles, drivers, and insurer requirements.
Build around your business
Commercial auto coverage to discuss
Liability
May cover injury or property-damage claims arising from covered vehicle use.
Collision
May help repair or replace a covered vehicle after a collision, subject to the policy and deductible.
Comprehensive
May cover selected non-collision losses, such as theft, fire, or vandalism.
Uninsured / underinsured motorists
Ask about protection when an at-fault driver has no insurance or insufficient coverage.
Medical payments
An available option that may help with covered accident-related medical expenses.
Hired and non-owned auto
Ask about business liability involving rented vehicles or employees’ personal vehicles used for work.
Coverage is determined by the policy’s covered-auto designations, terms, limits, exclusions, and endorsements. Not every option applies to every vehicle or business.
Look beyond company-owned vehicles
Do employees drive their own cars for work?
Tell your agent about employee errands, rented vehicles, and other business driving. Owned, hired, and non-owned autos can require different coverage selections.
A practical starting point
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Get ready for your commercial auto quote
Tell us about your business
Share your industry, vehicle count, primary vehicle use, and where your vehicles operate.
Review the options
Discuss available coverage, limits, deductibles, and driver information with our team.
Confirm your coverage
Review the policy details and effective date with your agent before relying on coverage.
Before you request a quote
Commercial auto insurance questions
Is commercial auto insurance only for large fleets?
No. A business may need appropriate coverage for a single work vehicle. Tell your agent how the vehicle is owned and used.
Can I rely on personal auto insurance for business driving?
Business use can change your insurance needs. Review the use with your agent instead of assuming your personal policy applies.
What information should I prepare for a quote?
Have your business name, industry, vehicle types, number of vehicles, primary uses, and operating area ready. Your agent can explain any additional information needed.
Can you help with long-haul or for-hire trucking?
This page is intended for California business-use vehicles and service fleets. Long-haul trucking and for-hire freight operations are outside its quote service focus.
Capital Providers Insurance Services
Let’s talk about your business vehicles
Contact our Woodland Hills agency to start a California commercial auto insurance conversation.