Commercial Auto Insurance for Food Trucks, Landscapers & Contractors

California businesses face different risks on the road based on how their vehicles are used. Food trucks may require coverage for onboard equipment, landscapers may transport heavy tools and contractors may travel between job sites. These exposures are not covered by personal auto insurance, making commercial auto coverage worth considering.

Coverage Options for Businesses

Choice Insurance Agency offers a range of commercial auto insurance solutions matched to different needs, including the following:

• Liability coverage may cover your business if you’re responsible for third-party injuries or property damage in an accident.
• Physical damage coverage may compensate for repairs or replacement if your vehicle is damaged in a collision, theft or other covered event.
• Equipment and tool coverage may extend support to specialized equipment or tools stored in your vehicles.
• Uninsured/underinsured motorist coverage may apply to your business if you’re involved in an accident with a driver who lacks adequate insurance.
• Hired and non-owned auto coverage may help when employees use personal or rented vehicles for business purposes.

Can I Customize My Policy?

Depending on your insurer, you may be able to:

• Choose coverage that fits how your business operates: Select options that may match your daily vehicle use and risks.
• Insure different vehicle types and business use: Cover food trucks, vans, trailers or service vehicles based on how you operate.
• Adjust deductibles to fit your budget: Set deductibles that can balance your premium and out-of-pocket costs.
• Add endorsements or other optional features: Include options such as equipment coverage, roadside assistance or rental reimbursement.
• Update your policy as your business changes: Modify coverage when you add vehicles, expand services or change operations.

Get Insured Today

Contact Choice Insurance Agency to review your coverage options and request a free quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.