Commercial Auto Insurance in California
Trusted commercial auto insurance coverage from a 27-year Farmers Insurance agency. Serving California and all of Statewide.
Commercial Auto Insurance in California
If your business uses vehicles — whether it's a single work truck, a fleet of delivery vans, or company cars for your sales team — you need commercial auto insurance. Personal auto policies don't cover vehicles used for business purposes, and driving without proper coverage puts your business at serious financial risk. Widjaja Insurance Agency has been helping California businesses find the right commercial auto coverage for over 27 years.
What Commercial Auto Insurance Covers
Commercial auto insurance covers liability (bodily injury and property damage you cause to others), collision damage to your vehicles, comprehensive losses (theft, fire, vandalism, weather), uninsured/underinsured motorist protection, and medical payments for your drivers. We also offer hired and non-owned auto coverage for businesses that use employee-owned vehicles or rent vehicles for business purposes.
California-Specific Risks for Business Vehicles
California has some of the busiest roads and highest accident rates in the country, which makes adequate commercial auto coverage essential. Whether your business operates in the Central Valley, the Bay Area, Southern California, or anywhere in between, we can build a policy that protects your vehicles, your drivers, and your bottom line. We cover single vehicles, small fleets, and large fleets alike.
Types of Commercial Vehicles We Insure
We insure a wide variety of commercial vehicles: pickup trucks, cargo vans, box trucks, service vehicles, company sedans, SUVs, tow trucks, and specialty vehicles. If you operate in a specific industry — such as landscaping, plumbing, HVAC, delivery, or real estate — we'll tailor your coverage to the unique risks of your trade. And if you need to add or remove vehicles during the policy term, we make the process simple.
Get Your Free Commercial Auto Quote
Bundle your commercial auto insurance with a BOP, general liability, or workers' compensation for maximum savings. James Widjaja and his team are available Monday through Friday at our Clovis office or by phone at 559-297-5964. Fill out the quote form on this page to get started with a free commercial auto insurance quote today.
Related Insurance Services
Free Commercial Auto Insurance Quote
Get a personalized commercial auto insurance quote for California, CA.
Frequently Asked Questions
Commercial Auto Insurance — Widjaja Insurance Agency
No — personal auto policies in California explicitly exclude vehicles used for business purposes. If you're in an accident while driving for work and only have personal auto insurance, your claim could be denied. Any vehicle used primarily for business operations requires commercial auto insurance.
Commercial auto premiums depend on vehicle type, industry, driving records, and fleet size. A single commercial vehicle typically costs $1,200–$3,500 per year. Call James Widjaja at (559) 297-5964 for a quote specific to your business — we serve all of Fresno County and California.
If your pickup is registered in your business name, or primarily used for job sites, hauling materials, or deliveries, yes — you need commercial auto coverage. Using a personal policy for a business vehicle is a coverage gap that can cost you significantly after an accident.
Hired and non-owned auto (HNOA) coverage protects your business when employees drive rented vehicles or their personal vehicles for business errands. It's an important add-on for businesses that don't own vehicles but still rely on driving for operations. James Widjaja can advise whether you need HNOA.
Protect What Matters in California
Get the commercial auto insurance coverage your family deserves. Free quotes, no obligation.
Call 559-297-5964