Coverage for Work Trucks, Business Fleets, and Company Vehicles
If your business owns or uses vehicles, your personal auto policy will not cover you when something goes wrong on the job. Commercial auto insurance protects your trucks, vans, and company vehicles and the business behind them. At Oakview Insurance Services, we work with 100+ carriers to find the right coverage at a competitive rate for businesses throughout Yuba City and Northern California.
As an independent agency, we are not tied to any single company’s rates or products. We shop the market on your behalf and build a policy around how your business actually uses its vehicles. Voted Best Insurance Agency, Best Agent, and Best Customer Service in the Yuba-Sutter area, with 800+ five-star Google reviews.
Get Your Commercial Auto Quote
Does Your Business Need Commercial Auto or Will Personal Auto Cover You?
This is one of the most common questions we hear. The short answer: if you are using a vehicle for business purposes, personal auto insurance is very likely not enough.
Personal policies typically exclude business use, which means an accident that happens on the job could leave you fully exposed. If you send employees on errands, make deliveries, haul equipment, or drive to job sites, you need a commercial auto policy. Here are some clear signals your business needs commercial auto coverage:
- Vehicles are titled in a business name
- Employees drive company vehicles
- You transport goods, equipment, or people for business purposes
- You haul tools or materials to job sites
- You make deliveries of any kind
- You need higher liability limits than a personal policy provides
Not sure where you fall? Call us at (530) 674-5054 and we will give you a straight answer in minutes.
Commercial Auto Coverage Options
Liability Insurance
Liability coverage is the foundation of any commercial auto policy. It covers bodily injury and property damage your business vehicles cause to others. California requires minimum liability limits, but most businesses need higher limits to adequately protect their assets. We help you set limits that match your actual exposure.
Physical Damage Coverage
Physical damage covers your own vehicles when they are damaged. Collision coverage pays for damage from accidents with other vehicles or objects. Comprehensive coverage handles losses from theft, vandalism, fire, weather, and other non-collision events. For newer or higher-value vehicles, carrying both is typically the right call.
Uninsured and Underinsured Motorist Coverage
California has a significant number of uninsured drivers on the road. If one of your drivers is hit by someone without insurance, or without enough insurance to cover the damages, this coverage fills the gap. It protects your business from absorbing losses caused by someone else’s lack of coverage.
Medical Payments Coverage
Covers medical expenses for your driver and passengers after an accident, regardless of who is at fault. It can help offset costs quickly without waiting for a liability determination and keeps smaller medical claims from turning into bigger problems.
Hired and Non-Owned Auto Insurance
If your employees use their personal vehicles for business errands, or if you rent vehicles for business use, hired and non-owned auto coverage protects you from liability when those vehicles are involved in an accident. Personal policies held by your employees will not cover business use. This coverage fills that gap and is often overlooked until a claim happens.
Types of Businesses We Cover
We write commercial auto coverage for a wide range of businesses throughout Yuba, Sutter, Butte, and Colusa Counties, including:
- Contractors and construction businesses
- Delivery and courier services
- Landscapers and tree services
- Plumbers, electricians, and HVAC companies
- Caterers and food service businesses
- Florists and retail delivery
- Real estate agents and property managers
- Wholesale and distribution businesses
- Restaurants with delivery operations
- Nonprofits and churches with passenger vans
What We Ask When Quoting Your Commercial Auto Policy
Every commercial auto quote starts with a conversation about how your business actually operates. To get you an accurate quote and find every discount available, we typically ask:
- How many vehicles do you have and how are they titled?
- How are the vehicles used? Deliveries, job sites, passenger transport?
- How many miles does each vehicle travel annually?
- How many drivers do you have and what are their driving records?
- Have any drivers completed a safe driving course?
- Do employees use personal vehicles for business purposes?
The more we understand your operation, the better we can match you with the right carrier and the right coverage at a competitive price.
Why Yuba City Businesses Choose Oakview for Commercial Auto
Independent, Not Captive
State Farm and Farmers agents are locked into one company’s rates. We work with 100+ carriers and shop the market to find you the best combination of coverage and price for your specific vehicles and use.
Local Knowledge
We understand the businesses operating in Yuba City, Marysville, Live Oak, Gridley, Colusa, and across the four-county region. From contractors hauling equipment on Highway 20 to delivery businesses running routes throughout the Sacramento Valley, we know this market.
One Office for All Your Business Coverage
Commercial auto is often just one piece of a complete business insurance program. Our team can coordinate your commercial auto alongside general liability, workers comp, and property coverage so everything works together and nothing falls through the cracks.
800+ Five-Star Reviews
Voted Best Agency, Best Agent, and Best Customer Service in the Yuba-Sutter area multiple years running. Our clients are local business owners who trust us to protect what they have built.
Frequently Asked Questions About Commercial Auto Insurance
Does personal auto insurance cover my vehicle if I use it for work?
Generally no. Most personal auto policies exclude business use. If you are in an accident while using your personal vehicle for work purposes, your personal policy may deny the claim. A commercial auto policy or hired and non-owned auto coverage is needed to properly protect you.
How much does commercial auto insurance cost in Yuba City?
Cost depends on the number of vehicles, vehicle type, how they are used, driver records, and coverage limits. Rates also vary significantly between carriers, which is why working with an independent agency that shops the market can save you real money. Contact us for a comparison quote.
What is hired and non-owned auto insurance?
Hired auto covers vehicles your business rents or leases. Non-owned auto covers vehicles owned by your employees when they use them for business purposes. Both protect your business from liability when those vehicles are involved in accidents on the job.
Do I need commercial auto insurance for one work truck?
Yes. Even a single vehicle used for business purposes needs a commercial auto policy. Personal auto will not cover it once it is being used to generate income or perform work.
Can you insure a mix of personal and commercial vehicles under one policy?
Not typically on one policy, but we can make sure your personal and commercial vehicles are properly covered across the right policies so you are not paying for overlap or leaving gaps.
Do you cover fleets of vehicles?
Yes. We work with businesses operating anywhere from one vehicle to large fleets throughout Northern California. Fleet policies often come with additional rating benefits and streamlined certificate management.
Get a Commercial Auto Insurance Quote in Yuba City
Our team works with local businesses every day to find the right commercial auto coverage at a competitive price. Whether you have one work truck or a full fleet, we will take the time to understand your operation and bring back options worth comparing.
Get Your Commercial Auto Quote or call us at (530) 674-5054.