Protect your company with commercial auto liability insurance. If you or an employee uses a car for any business purposes, you will need commercial auto insurance to protect the financial future of your business.

Do I Need Commercial Auto Liability Insurance?

In California, all business-owned vehicles are required to have commercial auto insurance. The minimum requirements are $15,000 per person for bodily injury, $30,000 per accident for bodily injury, and $5,000 per accident for property damage. Note that these minimum requirements are truly the bare minimum. We recommend being covered much higher than this. Auto accidents can be very costly and cause lots of damage. A lot of times, these minimum requirements would not be enough. To be fully protected, consider purchasing a commercial umbrella insurance policy. The umbrella policy picks up where your commercial liability insurance stops or when it hits its limit. It gives you a lot of coverage for minimal costs. Call now 949-450-1822, to talk about your options when it comes to commercial insurance!

You need Commercial Auto Insurance if:

• your business rents, owns, or leases any vehicles
• you or your employees drive the company car, whether it’s for personal or business use
• if your employees drive their own personal car for business use
• if your employees drive vehicles owned, rented, or leased by the business

What Does It Cover?

Commercial Auto Liability Insurance usually covers you if you or an employee are in an at-fault accident, and the third party gets injured or their property is damaged. If the other party was at fault and either hurt one of your employees, you, or caused damage to your vehicle, their insurance would have to pay. If they are underinsured or uninsured, you can purchase insurance for that as well. We recommend having underinsured and uninsured motorists coverage to make sure you and your business are protected properly. Coverages could also include:

• costs to repair property damage to 3rd party caused by you or employee
• legal expenses and fees
• rehabilitation therapy to the injured party
• box trucks
• food trucks
• work vans
• service utility trucks

Unity One Insurance has competitive rates and unbeatable service. Our agents are very experienced in the commercial insurance realm. It is very important to have your business insured properly and be with an insurance broker you can trust. Call today for a free quote, 949-450-1822 or email info@unity1.com