Commercial Auto Insurance for San Francisco Businesses

Cars driving on a winding road through a sunny landscape lined with trees.

Why Commercial Auto Matters

If your organization uses vehicles for business—whether a single company car near Santana Row or a fleet servicing routes throughout the Bay Area—you’ll need commercial auto insurance San Francisco, Bay Area that properly covers liability, collision, hired/non-owned vehicles and employee drivers. Personal auto policies aren’t built for business use and may leave gaps.

Coverage Breakdown

Commercial auto coverage includes liability for bodily injury or property damage your vehicle causes, comprehensive/collision coverage for damage to your vehicle, uninsured/underinsured motorist and medical payments. There are also important endorsements like hired/non-owned auto (HNOA) for rented or employee-driven vehicles and fleet programs if you operate multiple vehicles. California law sets minimum liability limits, but higher limits are strongly recommended given potential lawsuit exposure.

Our Guidance Approach

At Shepherd & Associates we begin by identifying how vehicles are used (employee errands, deliveries, vendor pickups), driver backgrounds, and tracking systems. We then help select carrier options suited to California fleets, design appropriate limits and endorsements, and coordinate driver-training and policy reviews to help reduce premiums.

Commercial Auto FAQs

  • Do I need commercial auto if we only have one company car?

    Yes—if that vehicle is used primarily for business, personal auto insurance may not provide full protection; a commercial policy is the right choice.

  • What is hired/non-owned auto insurance?

    HNOA covers vehicles the company rents, leases or that employees use for business errands—critical for businesses with occasional vehicle use beyond owned vehicles.

  • How are commercial auto premiums determined in California?

    Key factors include vehicle type, driver records, usage patterns, safety systems and claim history. California’s exposure and legal environment can drive up rates, so proper risk management matters.

  • Can we get a multi-vehicle discount?

    Yes—fleet policies often offer economies of scale; we compare carrier programs to find the best fit.

Drive With Confidence

Let us evaluate your vehicle exposure and prepare a commercial auto policy that aligns with your business needs and budget.

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