Commercial Auto Insurance
Whether you’re using your vehicles to provide service or just get to your customers, commercial auto insurance protects you, your employees, and your assets.
Commercial Auto Insurance in Multiple States
You’ve finally expanded into that new market. That means more employees and vehicles to service your new customers. We’re happy to help with an update quote for your business auto insurance.
Similar to private auto insurance, commercial auto insurance considers where the vehicle is primarily garaged. Adding a new state to the mix means an updated policy. Depending on your corporate structure and where your vehicles are garaged, you may be able to cover all vehicles in one policy. A policy for each state may make sense if your locations operate independently, or if there are cost savings.
Coverage Minimums Across the Select States
| Coverage Type | California | Nevada | Arizona |
|---|---|---|---|
| Bodily Injury – per person | $30,000 | $25,000 | $25,000 |
| Bodily Injury – per accident (2+ people) | $60,000 | $50,000 | $50,000 |
| Property Damage – per accident | $15,000 | $20,000 | $15,000 |
Crossing State Lines
With your new expansion, you may need to deliver goods and equipment from your original location to the new one. Commercially crossing state lines may fall under the Federal Motor Carrier Safety Administration (FMCSA) and increase your liability limits and costs.
| Vehicle Type / Cargo | Required Liability Limit |
|---|---|
| For-hire carriers of non-hazardous property in vehicles under 10,001 lbs GVWR | $300,000 |
| For-hire or private carriers of non-hazardous property in vehicles 10,001 lbs or more GVWR | $750,000 |
| Carriers transporting oil (for-hire or private) | $1,000,000 |
| Carriers transporting hazardous materials (other than oil) | $5,000,000 |
For example, a restaurant in LA expands into Las Vegas. They have a surplus of tablecloths in the LA location and decide to bring them to the Vegas site in their Dodge Sprinter, which they also use for catering and deliveries. The restaurant owner would need to have $300,000 of FMCSA coverage.
If you don’t want to worry about whether you’re covered, a combined single limit policy could be a good option for you.
Commercial Rate Options
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