Commercial auto insurance for businesses
Commercial auto insurance covers vehicles used for the business — crew trucks, vans, dump trucks, and similar units — for liability to others and, when purchased, physical damage to the vehicle. A personal auto policy is written for personal use; it typically excludes or sharply limits business use. If the truck is how the work moves, this is the form.
Request a quote
A licensed agent reviews your request. Certificates are issued after a policy is bound.
What a commercial auto policy can include
Kavana Insurance Inc. helps California and Texas businesses place commercial auto next to the rest of the program.
Liability
Bodily injury and property damage you cause to others while a covered business vehicle is in use. States set minimums; contracts often ask for more.
Collision and comprehensive
Collision for damage from a crash. Comprehensive for covered non-collision losses such as theft, fire, or vandalism. Deductibles apply.
Uninsured / underinsured motorists
Helps when the at-fault driver has no insurance or not enough. Terms follow the state and the form.
Medical, rental, towing
Medical payments, rental reimbursement while a covered vehicle is down, and towing/labor are common options — not automatic on every policy.
Who usually needs it
Contractors and trades with crew trucks and trailers. Cleaning and service crews moving between jobs. Retail, restaurant, and office operations that deliver, cater, or run errands in a company vehicle.
Personal auto is a different product. Hired and non-owned auto — employees running errands in personal cars — is a gap a personal policy does not fill. Ask for it on the commercial side when it applies.
Share vehicle list, drivers, radius, and how the units are used. Certificates are issued after a policy is bound.
GENERAL GUIDANCE ONLY. THE POLICY FORM, ENDORSEMENTS, AND CARRIER DECIDE WHAT IS COVERED ON YOUR ACCOUNT.
Other lines this job usually needs
Three steps, no instant-bind theater
Tell us the job
Operations, payroll, vehicles, contracts, or project value — whatever applies.
Review the structure
Limits, deductibles, exclusions, and what sits outside the policy.
Bind and issue
Choose coverage. Get policy documents and COIs once the carrier binds.