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Commercial Auto

Drive Your Business Forward with Commercial Auto Insurance

Whether you’re managing a single vehicle or an entire fleet, Sun Coast’s Commercial Auto Insurance is designed to provide broad coverage options to help keep your business moving safely and efficiently. Protect your vehicles, drivers, and financial stability no matter where the road takes you.
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Or, Call (877) 240-4678
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Essential Coverage
Understanding Commercial Auto Insurance for Your Business Vehicles
Commercial Auto Insurance is vital for businesses using vehicles for commercial purposes, offering protection against physical damage, liability, and other vehicle-related risks. This insurance may cover a range of vehicles—from cars and vans to large trucks and specialized vehicles—depending on your business needs. Whether you transport goods or provide services, the right coverage is key to mitigating risks on the road.
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Coverage Details

What Does Commercial Auto Insurance Cover?

Commercial Auto Insurance goes beyond personal auto policies by addressing the specific needs of businesses. These coverages are subject to the specific terms and conditions of your policy. It’s important to consult with a Sun Coast insurance professional to understand the full scope of coverage and how it applies to your business and employees. Key coverages can include:
Liability Coverage
Protects against injury or damage claims if your vehicle is involved in an accident.
Collision Coverage
Covers damage to your vehicle from a collision, regardless of fault.
Comprehensive Coverage
Protects against theft, vandalism, and other damages not caused by a collision.
Uninsured/Underinsured Motorist Protection
Offers protection if another driver is at fault and does not have sufficient insurance.
Know the Limits
What Does Commercial Auto Insurance Not Cover?
While Commercial Auto Insurance provides extensive coverage, it does not cover:
-Personal use of a vehicle unless specifically stated.
-Equipment not permanently attached to the vehicle, such as tools and goods in transit.
-Intentional damage caused by the policyholder or employees.
Trust

Commercial Auto Insurance Built on Trust, Simplicity, and Savings

Partner with us for seamless and supportive insurance. Our dedicated team of agents works with you to help secure the right coverage at the right time—with customizable plans that fit your business needs and budget.
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Or, Call (877) 240-4678
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3,500+ Agents to Ready to Assist You
Sun Coast has over 3,500 independent agents in Arizona, Colorado, California, Hawaii, Nevada, Oregon, Utah, and Washington.
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Savings Centered
We offer you the insurance coverage you want, without all the unnecessary extras. When you only pay for the coverage you need or want, you save.
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Support

Got Questions About Commercial Auto Insurance?

We have answers for you on all things insurance.
Who needs Commercial Auto Insurance?
Any business that uses vehicles in the operation of its services or activities needs Commercial Auto Insurance. This includes businesses that transport goods, offer services that require travel to client locations, shuttle services, or any operation that involves vehicles owned, leased, or used by the business.
How does Commercial Auto Insurance differ from personal auto insurance?
Commercial Auto Insurance is specifically tailored to address the needs of businesses, offering higher liability limits and coverage for situations that typically don’t apply to personal vehicle use. It also often includes provisions for multiple drivers and may cover vehicles of types and sizes not typically included in personal auto policies.
What types of vehicles are covered under Commercial Auto Insurance?
This insurance covers a wide range of vehicles, including standard cars, trucks, vans, specialized utility vehicles, and larger commercial trucks. The key criterion is that these vehicles are used for business purposes.
Are goods in transit covered under Commercial Auto Insurance?
Goods in transit typically require additional coverage, such as cargo insurance or an inland marine policy, as standard Commercial Auto Insurance focuses on the vehicle and attached equipment rather than the contents it transports.
What factors affect the cost of Commercial Auto Insurance?
Premiums are influenced by factors such as the type and value of the vehicles, the risk associated with their intended use, the driving records of those who will operate them, the chosen deductibles and limits, and the business’s prior claims history.
Reviews
See What Our Customers Are Saying
From excellent discounts to incredible support, there is enough to love about Sun Coast Insurance.
“Great rates. Flawless transaction best rates I found!”
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CJ
Sun Coast Customer
“The representative Nancy is amazing. She walked me through the process and helps me still if I question anything”
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Amber
Sun Coast Customer
“Their insurance rates are much lower and my deductible is even lower. Customer service is always super helpful and ready to accommodate! I highly recommend Sun Coast General Insurance!”
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Chelsea M.
Sun Coast Customer
“They've been the cheapest I've found for years.”
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Shantell
Sun Coast Customer
“Great rates. Flawless transaction best rates I found!”
Icon of CJ
CJ
Sun Coast Customer
“The representative Nancy is amazing. She walked me through the process and helps me still if I question anything”
Icon of Amber
Amber
Sun Coast Customer
“Their insurance rates are much lower and my deductible is even lower. Customer service is always super helpful and ready to accommodate! I highly recommend Sun Coast General Insurance!”
Icon of Chelsea
Chelsea M.
Sun Coast Customer
“They've been the cheapest I've found for years.”
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Shantell
Sun Coast Customer
What else needs to be insured?
Explore our other products that you can pair with your insurance.
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General Liability
Professional Liability
Workers' Compensation

Get a Commercial Auto Insurance Quote and See How Much You Can Save

Comparing our carrier’s rates and coverage is easy. Start saving on your insurance today.
Get a Quote
Or, Call (877) 240-4678
Are you an existing customer?

Call (800) 300-8838

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Any Questions?
Get in touch! We’re here to help.
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Copyright Sun Coast General Insurance Agency, Inc. |  PO Box 30750, Laguna Hills, CA 92654-0750
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Sun Coast General Insurance Agency, Inc. is a wholesale insurance agency and authorized program administrator for several insurance companies authorized to sell in Arizona, Alaska, California, Colorado, Florida, Hawaii, Nevada, Oregon, Texas, Utah and Washington. We provide consumers with online, phone, and in-person insurance services through our insurance company and independent agent relationships.
Sun Coast offers all of it's products through independent insurance agents. If you would like to speak with a local independent insurance agent near you, please call (800) 300-8838 and one of our representatives will put you in contact with an authorized Sun Coast producer.