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Why Commercial Auto Insurance Is a Must-Have
If your business uses vehicles—whether it's one van or an entire fleet—commercial auto insurance isn’t optional. It’s essential. Imagine your delivery truck getting sideswiped, or one of your drivers rear-ending a vehicle on the highway. The costs, the downtime, the stress—it all adds up. That’s why Bakersfield Small Business Insurance is here to help you stay protected and keep your business on the road.
Your personal auto policy won’t cover accidents that happen while conducting business. So whether you’re a contractor hauling tools, a florist delivering arrangements, or a catering company running a tight schedule, commercial auto coverage ensures you don’t face a financial disaster after a fender bender—or worse.
Vehicles You Use
From company-owned vans and pickups to food trucks and utility vehicles, we make sure you’re covered no matter what you’re driving for business.
Drivers You Trust
Your employees are out there representing your brand. We help protect them and you with coverage that kicks in the moment the engine starts.
Equipment You Haul
Commercial auto insurance can even protect the specialized gear and tools that ride with your crew—so nothing slows your job down.
What’s Typically Covered?
When you hear “commercial auto insurance,” you might just think about accidents. But this coverage goes way beyond that. Here’s a look at what a solid policy usually includes:
| Coverage Type | What It Does |
|---|---|
| Liability Coverage | Protects you if your driver causes injury or damage to someone else. |
| Collision Coverage | Pays to repair or replace your vehicle after an accident, no matter who’s at fault. |
| Comprehensive Coverage | Covers non-collision damage like theft, fire, or vandalism. |
| Uninsured Motorist Coverage | Steps in when the at-fault driver doesn’t have insurance. |
| Medical Payments | Covers injuries to your drivers and passengers, regardless of fault. |
Real Life, Real Consequences
Let’s get real for a second. Accidents happen. It’s not a matter of if—it’s when. Even the best drivers can get caught in a bad moment. And when it does, the bills rack up fast. Think vehicle repairs, medical expenses, lost business, legal fees. Without insurance? That could come straight out of your pocket.
We’ve seen firsthand how commercial auto insurance saved our clients from financial ruin. One distracted driver could mean a $50,000 claim. With the right policy in place, your business doesn’t miss a beat.
Reliable Protection
Bakersfield Small Business Insurance provides commercial auto policies that keep your vehicles, drivers, and business assets safe—even in worst-case scenarios.
Coverage That Travels
Whether you operate locally or cross state lines, we tailor your policy to fit your routes and regulations.
Fast Claims Process
Accidents are stressful enough. That’s why we make the claims process fast, simple, and human—so you get back on the road ASAP.
Who Needs Commercial Auto Insurance?
You might think commercial auto insurance is just for big trucking companies. But if you or your employees use a vehicle for work—even just occasionally—you probably need it. That includes:
- Contractors driving trucks or vans to job sites
- Delivery drivers using company cars
- Real estate agents meeting clients
- Caterers and event planners transporting equipment
- Sales reps traveling between appointments
Even if your business doesn’t own the vehicle, a non-owned auto liability policy can cover employees who drive their personal vehicles for work.
Why Choose Bakersfield Small Business Insurance?
At Bakersfield Small Business Insurance, we’re more than just insurance pros—we’re your business partners. We listen first, then craft a plan that fits your operation, your budget, and your future. You’ll never feel rushed or sold to. Instead, you’ll feel heard and supported.
Need to add a driver? Update a vehicle? File a claim? We’re just a call away at 661-871-9504. We’ve got your back from day one.
Get Rolling With the Right Coverage
Don’t wait until after an accident to find out you’re not covered. Let’s talk today and build a policy that travels with you every mile of the journey. Your vehicles are essential to your business—protect them like they are.
Click below to request a quote and get rolling with confidence. We can’t wait to serve you.
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