If your business relies on vehicles to deliver products, visit job sites or transport tools, commercial auto insurance plays an important role in keeping operations steady. Whether it’s one truck or a small fleet, this coverage helps manage the risks tied to business driving.

At Sanguinetti & Co Insurance Brokers, we help Stockton businesses find commercial auto policies that match their work and vehicle use.

What Is Commercial Auto Insurance and What Does It Cover?
Commercial auto insurance is a policy designed for vehicles used in business activities. It’s often assembled for the higher risks and liability exposures of commercial driving.

Coverage often includes the following:

• Liability coverage may help with costs if your driver is found at fault for third-party injury or property damage.

• Collision coverage may assist with repairs or replacement after a vehicle accident.

• Comprehensive coverage may cover damage from theft, vandalism, fire or weather.

• Medical payments may help cover medical expenses for drivers and passengers, regardless of fault.

• Uninsured/underinsured motorist coverage may support you after an accident with an at-fault underinsured driver.

• Hired and non-owned auto coverage can cover employees using personal or rented vehicles for work tasks.

Policies can be customized based on vehicle types, business size and industry-specific needs.

Why Is Commercial Auto Insurance Essential?
If an accident happens during a business-related trip, personal auto coverage likely won’t apply. That means repair costs or legal fees could fall directly on the business. A commercial auto policy helps keep those costs manageable, allowing your vehicles and business to stay road-ready.

It’s also frequently required by lenders, clients and commercial vehicle leases.

Explore Coverage That Fits Your Business
At Sanguinetti & Co Insurance Brokers, we work with businessowners throughout Stockton to build commercial auto policies that reflect how their vehicles are used every day. Contact us today to request a quote and learn more.