Commercial Auto Insurance

What is commercial auto insurance?

As a business owner, you need the same kinds of insurance coverage for the car you use in your business as you do for a car used personally -- liability, collision and comprehensive, medical payments (known as personal injury in some states) and coverage for uninsured motorists. Many business people use the same vehicle for both business and personal uses. If the vehicle is owned by the business, the name of the business needs to appear on the policy as the "principal insured" rather than your name. This will avoid possible confusion if you need to file a claim (or if a claim is filed against you).

Why do you need commercial auto insurance in Mammoth Lakes or Bishop?

Whether you need a commercial auto insurance policy depends on what type of driving you do. We can talk through how you use your vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business. While many of the major coverages are the same, a business or commercial auto policy differs from a personal auto policy in many ways. We'll talk through these differences and options as well.

Why choose an independent agent?

Independent insurance agents offer more insurance options with more variety in pricing for customers. Since we work with many different companies, we can usually help you fill all your insurance needs without having to use different agents. We also take the time to figure out what you need and connect you with the best insurance policy. We don't believe in a one-size-fits-all approach with insurance.