Coverage for the vehicles your business runs on
If your business puts vehicles on Central Valley roads — service vans, pickups, delivery cars, a sales fleet — your personal auto policy won’t cover them, and a serious claim without commercial auto can land on you personally. Insurance City is a local independent brokerage in Stockton writing commercial auto for businesses across the region.
What commercial auto covers
- Liability — bodily injury and property damage your drivers cause.
- Physical damage — collision and comprehensive for your owned vehicles.
- Hired & non-owned auto — when employees drive rented or personal vehicles for work.
- Medical payments and uninsured/underinsured motorist.
- Combined or per-vehicle limits to match your fleet.
One van or a fleet of them — we right-size limits so you’re protected without overpaying. (Hauling freight for hire? That’s commercial trucking — ask us, we write that too.)
Why local businesses work with us
We’re independent, so we shop your vehicles and drivers across major commercial carriers instead of one company’s appetite — and there are no broker fees on standard policies. Our team is bilingual (English / Español), local, and explains the exclusions before you sign.
Get a commercial auto quote
Tell us your vehicles, who drives them, and how they’re used, and we’ll put together comparative quotes across carriers. Call (209) 670-1556 or request a quote below.
New to commercial coverage? See our Central Valley Business Insurance Guide for how the coverages fit together.
Frequently Asked Questions
When does my business need commercial auto instead of personal auto?
When the vehicle is business-owned, hauls tools or goods, carries employees, or needs higher limits. Personal auto generally excludes business use, leaving you exposed.
What does commercial auto cover?
Liability for injury and damage your drivers cause, physical damage for owned vehicles, hired and non-owned auto, and medical payments and uninsured motorist.
Is commercial auto the same as trucking insurance?
No — if you haul freight for hire you need commercial trucking with the right filings. We write both and will point you to the right one.
Insurance City offers comparative quotes on Commercial Auto Insurance from multiple insurance carriers so you can get the best possible rate.
Want to see how much we can save you Just request a quote to find out.