Business Auto Insurance

At Western Republic Insurance Services, we provide firms throughout California with Business Auto insurance whether you utilize company-owned commercial vehicles or have some of your employees using their own vehicles for work. In all cases, a Business Auto policy is required to protect your firm from losses caused by auto accidents.

Inside an Auto Policy

Commercial Auto insurance includes several key coverages. We can design a policy that includes:

  • Bodily Injury: Helps businesses cover the financial losses associated with bodily injury resulting from an accident involving one of your company vehicles. This includes the cost for a legal defense and any settlements up to the policy limit.

  • Property Damage Liability: Covers the cost of damages to someone else’s property caused by an accident with a business vehicle.

  • Medical Payments: This covers the cost of injuries to the driver and passengers. For example, if your employee has a car crash and is injured, this coverage pays medical expenses, loss of wages, and funeral costs (should the employee die in the accident).

  • Uninsured Motorists: Pays for your injuries and, in some circumstances, certain property damage caused by an uninsured driver.

  • Underinsured Motorists: Also included to provide protection when the at-fault driver has insufficient insurance.

  • Hired & Non-Owned Auto Liability: Covers claims against your business if an employee has an accident while using his or her own (or rented) vehicle for business purposes.

  • Physical Damage: You have the option to cover all vehicles you own or a subset of those vehicles, such as private passenger autos only and hired autos, for comprehensive (fire and theft) and collision coverage.

The amount of coverage you purchase will depend on your exposure and how much risk you can afford to take. Western Republic will review this with you carefully to determine your liability limits and deductible amounts. 

We’re Ready to Help

We’re here to take care of your insurance needs and protect you from risk, and looking forward to hearing from you.  Contact us today to go over your insurance program.