Commercial Auto Insurance in Cathedral City, CA
In California, companies that use vehicles must be able to prove financial responsibility for accidents they may cause. Most do this by purchasing the state’s minimum required amount of commercial auto insurance.
California’s minimum liability coverage requirements include specific limits for bodily injury or death per person, bodily injury or death per accident, and property damage per accident. These minimums are designed to provide a basic level of financial protection against third-party claims in the event of an accident. However, many businesses opt for higher coverage limits to better protect their assets and manage potential risks.
If your company uses semitrucks or other heavy trucks, you are also subject to federal liability insurance requirements.
Optional California Commercial Auto Coverage 
Beyond mandatory liability coverage, several other types of coverage options are available to businesses:
- Collision coverage can help pay for damage to your vehicle resulting from a collision with another vehicle or object.
- Comprehensive coverage can cover damage to your vehicle from noncollision events such as theft, vandalism or natural disasters.
- Uninsured and underinsured motorist coverage can provide financial protection if your vehicle is involved in an accident with an at-fault driver who lacks sufficient insurance.
- Cargo liability insurance can help cover cargo theft or loss.
- Rental reimbursement can help cover the cost of renting a car if your company vehicle is undergoing repairs after a covered incident or accident.
Why Work With a Local Agent
Working with a knowledgeable insurance agent can make a significant difference for businesses in Cathedral City. An agent can help you navigate the various coverage options, meet state requirements, and tailor a policy that fits your needs. They can also provide valuable advice on risk management and help you understand the claims process should an incident occur.
Contact Us
Contact Dynamic General Insurance Services for a commercial auto insurance quote.