Learn more about California's new minimum auto insurance requirements.
BUSINESS AUTO & COMMERCIAL VEHICLE INSURANCE
Drive Your Business Forward with the Right Protection
Protection for Your Business Vehicles
If your business relies on vehicles, whether it’s one car for client meetings or a whole fleet for deliveries, business auto insurance protects your vehicles, employees, and bottom line on the road. A standard personal auto policy isn’t built for business use. Common tasks like making deliveries, transporting equipment, or visiting job sites are usually excluded from personal coverage.
At AIS, our specialists simplify the process, helping you find the right coverage tailored to your industry, vehicles, and specific business needs. Instead of shopping around yourself, we compare multiple quotes for you to secure the best rates without sacrificing the protection you deserve.
Who Needs Business Auto Insurance?
If you use vehicles for any business purposes beyond regular commuting, you need commercial auto insurance. Personal policies typically don’t cover accidents involving work tasks like deliveries or equipment transport, or employees driving for business. The right coverage ensures your business and vehicles are well protected.
How Much Does Business Auto Insurance Cost?
The cost of business auto insurance depends on your vehicle types, how you use your commercial vehicles, your location, driver records, and claims history. Our team compares plans from top carriers, making it simple to find the right protection at a competitive price so your business stays secure and within budget.
What Does Business Auto Insurance Cover?
Business auto insurance is designed to protect your vehicles, employees, and operations against the real risks on the road. Unlike personal auto insurance, these policies offer broader protections tailored to work-related driving. Here are the typical coverages included:
Protects your business if you or your employees cause injury or property damage to others in an accident. This can include medical expenses, lost income, and even legal costs if someone sues your business.
Pays to repair or replace your vehicle if it’s damaged in an accident, regardless of who was at fault. This helps get your business back on the road quickly after a crash. Usually, collision coverage is subject to a deductible.
Covers damage to your vehicle not caused by a collision such as theft, vandalism, fire, weather events, or falling objects. Coverage is usually subject to a deductible.
Protects you and your employees if you’re hit by a driver who has no insurance or not enough insurance to cover your losses. This ensures medical expenses and repairs are still covered.
Helps pay medical or funeral expenses for you and your passengers if injured in a covered accident, regardless of who was at fault. PIP may also cover lost wages and other related expenses, and is required in some states.
Covers vehicles your business rents, leases, or vehicles owned by employees but used for business purposes. This is essential if your staff drives personal or rented vehicles for work tasks.
Lets you add other people or companies to your policy—like business partners or clients—so they’re protected by your insurance if there’s an accident involving your business vehicle.
Business Insurance Made Simple: Why Choose AIS
Your business is a major investment, and it deserves more than a standard, one-size-fits-all liability policy. At AIS Insurance, our experienced Business Insurance Specialists are driven by one goal: protecting your hard work and assets. We work quickly to understand the specific risks of your industry, allowing us to find and fix the dangerous gaps in coverage that leave businesses vulnerable, ensuring you get true financial peace of mind.
Stop settling for confusing policies. We make commercial insurance clear, fast, and highly effective. Call us today to speak with our experts who are ready to tailor a Business Auto Insurance policy to your needs.
Additional Insurance Coverages to Bundle
It would be great if you could save money on insuring your business and all of its assets under one roof. AIS is the insurance house that finds affordable coverage for a wide variety of businesses. We compare the best rates from multiple trusted carriers partners, so you know you’re getting the best protection for the best price.
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