California Commercial Auto Insurance

Commercial Auto Insurance Coverage

What is Commercial Auto Insurance?

Commercial auto insurance is a critical safeguard for your business. If you, your business or an employee faces a lawsuit as the result of a serious accident, commercial auto insurance helps protect your business’s assets.

According to OSHA’s document “Guidelines for Employers to Reduce Motor Vehicle Crashes,” an on-the-job crash that results in employee injury costs an average of $74,000 to the employer, and a crash that involves a fatality can exceed $500,000. Luckily, small business insurance policies can help cover these costs.

Who Needs Commercial Auto Insurance Insurance?

Most states require a minimum amount of commercial auto insurance, and auto liability coverage helps cover the monetary responsibility if you or an employee are found at fault in a vehicular accident, and property or people are harmed. In addition, many states require uninsured and underinsured motorist insurance to protect your business when the driver at fault is not capable of paying the total damages. Comprehensive or collision insurance is often optional.

Your business needs commercial auto insurance if:

  • Your business leases, rents or owns vehicles.
  • Employees drive company-leased, rented or owned vehicles.
  • Employees drive their personal cars or trucks while conducting business for you.
  • You or your employees drive business vehicles for business or personal use.

What Does a Commercial Auto Insurance Policy Typically Cover?

Commercial auto insurance comes in three basic types of coverage:

  • Physical damage insurance, which includes comprehensive and collision insurance.
  • Liability insurance, which includes property damage, bodily injury, and uninsured and underinsured motorist coverage.
  • Other insurance coverage, which includes towing and labor, medical payments, auto loan or lease gap coverage, and rental reimbursement.

O’Kane and Tegay will help you customize your commercial auto insurance policy beyond these fundamental elements. We will assist you with choosing the right mix of options to protect your business including:

  • Roadside assistance that offers protection for issues that basic commercial auto insurance does not cover, such as recharging a battery, being locked out of the vehicle, or inflating flat tires.
  • New auto replacement cost coverage, which will replace your company vehicle under total loss with a comparable or new vehicle. This type of commercial auto insurance also offers gap coverage for the amount owed above the vehicle’s actual cash value.
  • Hired vehicle physical damage with loss of use coverage provides collision and comprehensive damage to a rented or leased vehicle, and it covers the contractual obligations to the rental or leasing company.
  • Auto lease or loan coverage covers the difference between the actual cash value and the unpaid balance on the lease or loan of the vehicle if it has sustained total loss.
  • Rental reimbursement will help pay for a rental vehicle up to the limits of the policy to provide you with transportation after the accident.

Our Process


Work with an Expert Who Knows Your Industry

O’Kane & Tegay Insurance Brokers takes the guesswork out of choosing the right insurance policies for your company. We connect you to an industry specialist, which means you’ll talk to someone who spends their whole day helping organizations like yours.

Need to update your policy? No problem. Reach out to your agent at any time and enjoy the quick response you need as a 21st-century business owner, paired with service so friendly and helpful it feels like a throwback.

Our team stays up to date on the latest insurance laws and coverage changes, so you can rest easy knowing you’ll get the right coverage for the work you do.


Get Quotes from the Country’s
Top-Rated Insurance Companies

As an insurance broker, O’Kane & Tegay’s role is to give you access to policies from the best insurance companies in the country. Whether you need commercial auto insurance, general liability insurance, property insurance or a business owner’s policy to comply with state laws, you can find it here.

We’ve already helped more than hundreds of organizations protect their community. Discover why they consistently rate us 4.9 out of 5 stars.


Select Your Quote

Have questions about the pros and cons of your quotes, our experts are here through every step of the process. Making sure you get the right coverage for the best price. We help keep your business safe.

Call 415-242-8777 Monday – Friday: 8 AM – 5:30 PM PST

Happy Customers

Thanks O’Kane & Tegay! I’ve been a happy customer for a few years and have always appreciated the good rates. I’m also very impressed with their friendly, quick and efficient customer service. I highly recommend you call or visit these guys if you need a new insurance policy or want a better rate and/or better service.

Brian B.

A friend of mine refered me to these guys for an event I was planning here in San Diego. Yes they are in San Francisco and I am in San Diego. I can not begin to tell you how easy this was. I dont understand insurance and I dont want to understand insurance. They helped me feel at ease from start to finish. Fast easy affordable. I never thought that existed when dealing with insurance before now. Great job and thanks for the help!

Doof R.

Grab-N-Go Information

Top 5 Risks Business Owners Face
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