Commercial Auto Insurance in Costa Mesa, CA

Cars, trucks, vans and other automobiles can be integral to many businesses’ daily operations. However, whether hauling freight, transporting employees or ferrying passengers, owning and operating motor vehicles entails significant financial risk. In addition to the monetary investment automobiles represent, fiscal fallout from accidents and other damage could have far-reaching financial and legal implications. Fortunately, commercial auto insurance can protect your business.

What is Commercial Auto Insurance?

As its name suggests, commercial auto insurance is a type of coverage geared toward businesses that own and utilize motor vehicles within their operations.

These policies act as contractual agreements between your company and its carrier, potentially enabling you to file a claim for financial assistance after an accident or other damage sustained by covered automobiles.

If approved, resulting payouts could limit out-of-pocket losses that might otherwise impose devastating consequences.

What Does My Policy Cover?

Like many types of insurance, your commercial auto policy can typically be tailored to suit your business’s unique needs and circumstances, including the size or your fleet and what you use them for.

Still, many components of these policies may transcend industry lines or other specific aspects of your situation in their importance. When assembling your policy, consider the following:

• Third-party liability coverage is usually required by law and can help compensate other parties for vehicle-related losses for which your business is at fault.

• Collision coverage can assist with repair costs if your insured vehicles are damaged in crashes.

• Comprehensive coverage may protect your fleet from fires, theft, vandalism and severe weather.

• Medical payments coverage can provide aid if your employees and passengers are injured in an accident, regardless of fault.

• Uninsured/underinsured motorist coverage may assist with your losses if another party is at fault but lacks enough insurance to pay for them.

Get the Right Coverage

Contact Trilogy Insurance Brokers, Inc. today to learn about coverage options or compare quotes for commercial auto policies.