Commercial Auto Insurance

Request a Quote Call (916) 967-7715

The vehicles you use for your business and the employees who drive them are both extremely valuable, and with the right Commercial Auto Insurance policy, you can rest assured that your both revenue and staff are protected.  To prevent losing your hard-earned revenue due to an auto accident, you’ll want to ensure that your vehicles, products, and drivers are insured in the event of property or vehicle damage, bodily injury, legal costs, and more. With Commercial Auto Insurance from Lions & Coventry Insurance Services, we’ll work with you one-on-one to create a customized policy that may include:

  • Bodily Injury Liability
  • Medical Payments
  • Personal Injury Protection (PIP) Coverage
  • Comprehensive Coverage
  • Collision Coverage
  • GAP Coverage
  • Uninsured and Underinsured Motorist Coverage

Additional options like Bailee Coverage are available if needed. Bailee Coverage insures property loss or damage when in your company’s care, control, or custody – for example, product protection for items on a semi or delivery truck.

Since Commercial Auto Insurance coverage varies, it’s important to discuss your business’s options with a specialist at Lions & Coventry Insurance Services who can help you determine the proper amount of coverage for all your commercial needs. 

What drives your premium

We don’t publish prices because every quote depends on underwriting. These are the main factors carriers weigh:

  • Number and type of vehicles and how they’re used
  • Driver records and experience
  • Radius of operation and where vehicles are garaged
  • Cargo or goods hauled
  • Claims history, limits and deductibles

We quote nationwide. Request a quote or call (916) 967-7715.

Commercial auto insurance FAQ for California contractors

These answers are brokerage guidance for California contractor fleets, hired and non-owned auto, and jobsite certificates — not legal advice. Coverage, eligibility, terms, and pricing depend on the submitted risk and underwriting; we do not promise a carrier, rank, or premium before review.

Do California contractors need commercial auto insurance for company trucks and vans?

If the business owns or leases vehicles used for work — pickup trucks, vans, dump trucks, or specialty units — personal auto policies usually exclude or limit business use. A commercial auto policy can cover liability and physical damage for scheduled business vehicles and drivers. Lions & Coventry reviews fleet lists, driver MVRs, and operations for California contractors as part of a broader construction insurance program. Call (916) 967-7715 or use our contact form. License #0G22084.

What is hired and non-owned auto (HNOA) coverage, and when do contractors need it?

Hired auto covers vehicles your business rents or leases short-term (for example, a rental truck for a material run). Non-owned auto addresses liability when employees or others drive vehicles the business does not own — often personal cars used for errands, site visits, or deliveries. Many general liability policies exclude auto liability, so HNOA is commonly added by endorsement or on a commercial auto form when the risk fits. Exact terms depend on underwriting; this is brokerage guidance, not a coverage guarantee.

Can commercial auto help if employees drive personal vehicles for work?

Employee personal vehicles are typically insured on the employee’s personal auto policy first. The business may still need non-owned auto liability for lawsuits that name the company after an at-work crash. We help contractors decide whether scheduled commercial units, HNOA, or both fit the operation — especially when crews travel between Sacramento-metro jobsites. Bring a vehicle/driver list and a short description of how personal cars are used for work.

How do certificates of insurance work for contractor fleets and additional-insured vehicle requirements?

Jobsite owners and GCs often ask for a certificate showing commercial auto liability limits, and sometimes additional-insured or waiver language when the policy and endorsements allow it. Certificate wording must match the bound policy — we cannot invent coverages on a COI. Use our California contractors COI and additional-insured checklist before you request paperwork, then call (916) 967-7715 or contact us with the holder name, job address, required limits, and deadline.

What information do you need to quote commercial auto for a California contractor fleet?

Helpful items include: legal entity name and FEIN, list of vehicles (year/make/model/VIN or plate), stated values, garaging ZIP codes, driver names and license numbers for MVR ordering, radius of operations, commodity or trade description, loss history, and any current policy declarations. Related contractor packages often sit next to auto on our contractors insurance page. No premium or carrier promise before underwriting — call (916) 967-7715 or send details via contact.

How to get a commercial auto quote

Educational steps for California contractors and fleet operators preparing a commercial auto quote. This is brokerage guidance from Lions & Coventry Insurance Services — not legal advice, not a premium quote, and not a ranking claim.

  1. Gather vehicle and fleet facts — year/make/model/VIN or plate for each unit, stated values, garaging ZIP codes, driver names for MVR ordering, radius of operations, and a short trade or commodity description.
  2. Map coverage needs — liability limits GCs or owners expect, physical damage (comprehensive/collision) on scheduled units, and hired/non-owned auto (HNOA) when rentals or employee personal cars are used for work. See the construction insurance hub.
  3. Call or contact for a quote — reach Lions & Coventry at (916) 967-7715 or the contact form with your fleet list and loss history so we can shop fitting markets. No carrier or premium promise before underwriting.
  4. Prepare docs and COI requests — named insured, certificate holder, job address, required auto liability limits, and any additional-insured or waiver language from the subcontract. Use the California contractors COI & Additional Insured checklist.
  5. Confirm next steps after bind — review declarations, schedule added vehicles promptly, request certificates that match the bound policy, and keep driver MVRs and loss runs current for renewals.

Next step: call (916) 967-7715 or use /contact/. License #0G22084 — Citrus Heights, CA.