Covered autos
The symbols and schedule determine which owned, hired, or non-owned autos may be covered.
Commercial auto insurance for Los Angeles businesses.
Practical protection for the vehicles, drivers, and daily operations that keep your business moving.
Useful scopeVehicles + drivers + operations
Related linesGL · workers’ comp · bonds
Business sizeSingle vehicle to fleet
What to know
The same van can represent very different risks in different businesses.
Commercial auto underwriting considers the business, vehicle types, radius, cargo, drivers, ownership, garaging, contracts, and how each vehicle is used. A contractor, florist, wholesaler, and delivery operation do not present the same risks.
The vehicle policy should reflect the real operation. It also needs to be reviewed alongside general liability, workers’ compensation, property, umbrella, and bond requirements when those apply.
Understanding the coverage
Six details that shape a commercial auto policy.
Policy structure
Auto liability
Addresses covered liability arising from business vehicle use, subject to limits, exclusions, and policy terms.
Physical damage
Comprehensive and collision choices can protect scheduled vehicles, subject to valuations and deductibles.
Drivers
Motor vehicle records, experience, job duties, license class, and access to vehicles affect the review.
Operations & radius
Where vehicles travel, what they carry, towing, equipment, and job-site activity must be described accurately.
Contracts & filings
Additional insured, waiver, certificate, DOT, DMV, or other requirements should be reviewed before deadlines.
What to have ready
Assemble the operating picture.
- Business legal name, entity, years operating, and description
- Vehicle schedule with VINs, values, garaging, and use
- Driver schedule and license information
- Travel radius, states, cargo, towing, and job-site activity
- Current policies and loss runs if requested
- Contracts, certificate samples, or filing requirements
A practical note
Commercial auto rarely stands alone.
A complete review may include general liability, workers’ compensation, business property, inland marine, umbrella, and bonds. The right combination depends on employees, contracts, locations, equipment, and professional activity.
California employers with one or more employees generally must satisfy workers’ compensation requirements, subject to applicable definitions and exclusions. Bring payroll and class-code information into the broader business review.
Actual policy language, eligibility, carrier underwriting, limits, deductibles, and exclusions control. A website summary cannot bind or guarantee coverage.
Useful answers
Before we compare options.
01Can a personal auto policy cover business use?
Do not assume it does. Business use can be restricted or excluded depending on the policy and activity. Describe the actual use so the appropriate form can be reviewed.
02What is hired and non-owned auto coverage?
It can address certain liability exposures involving vehicles the business rents or uses but does not own, subject to the policy’s definitions, symbols, exclusions, and endorsements.
03Do I need workers’ compensation too?
California employers with one or more employees generally must satisfy workers’ compensation requirements, subject to applicable law and exclusions. The commercial review should consider employees separately from auto coverage.
04Can Rafla issue a certificate?
The agency can help with certificates after eligible coverage is in effect. A certificate cannot create coverage or terms that the policy and endorsements do not provide.
Personal help starts here
Let’s talk about your commercial auto insurance needs.
Tell us what you drive, own, rent, or operate. A local broker will explain which details and documents matter next.