Commercial Van Insurance

commercial van insurance


Do you need insurance coverage for your automobile? Not just any auto however, a commercial van. If you answered yes, then Commercial auto insurance in California is what you need.

This is true, regardless if you reside in Los Angeles CA, or Ontario CA?

If so, continue reading on to learn exactly why you need commercial coverage.

Also, learn about it’s policy structure and insurance coverage schedule.

A commercial auto policy has many layers to its policy structure.

It offers different coverage forms designed for different types of commercial automobile exposures.

Just that alone is why you should have a basic understanding of the forms available on this policy.


Coverage Insurance Forms

A commercial van insurance policy may include one or more of the following forms;

  • Business Auto Coverage Form,
  • Garage Coverage Form,
  • and Truckers Coverage Form.

Before we dissect the actual commercial auto policy to help you find savings.


Introduction to Coverage

Also, to ensure you are being fully protected, let’s examine the introduction of this policy.

This type of commercial auto insurance policy issued in California started with business auto insurance.

These terms begin to be used interchangeably in conversation and on paper.

The use of commercial auto insurance and commercial van insurance.


The Beginning – Commercial Auto Insurance

If you are a business owner, than you understand the concept of business transportation.

This is because since business operates at least one vehicle to operate their deliveries.

These performing essential tasks away from their office settings, and to transport employees or clients.

Fortunately for the local business owner, these coverage options require a commercial auto policy are very similar to that of their personal auto insurance policy.


Personal Coverage

In some cases, the personal auto coverage can also be purchased as part of a commercial package policy.

This is a great option when comparing rates. Make sure you can use this option in the future with your policy.

This process alone, can lower the cost of your insurance premium.


Business Side of Coverage

The business auto insurance policy is a general purpose policy.

These types of polices are used to write auto insurance for different types of business vehicle risks.

An example of these types of vehicles are as followed:

  • such as company cars,
  • vans,
  • trucks
  • and other type of vehicles depending on the type of the business operation.


Other Vehicle Types

In addition to these vehicles, that are owned and supply company cars to employees, are good transporters.

This means that the use of vans and trucks to haul their own goods, would be under this listing.

Those that transport passengers, and those that lease vehicles to others are also in this category.


Business Coverage Exposures

As a business owner you may have automobile exposures. Some examples of these exposures are:

  • Exposures arising out of owned,
  • leased,
  • rented,
  • or borrowed vehicles,

At one time, these exposures could be insured under a private passenger auto insurance policy for most risks.


Basic Policy Overview

The basic policy only provided insurance coverage for autos . These automobiles have conditions.

These policy conditions are:

  • specifically listed and scheduled on the insurance policy,
  • but coverage for hired cars and non owned autos could be added by an endorsement or policy change request.

Sometime later, the comprehensive auto liability coverage was introduced.

This type of coverage became increasing popular among businesses operating with large and continually changing fleets.


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Policy Structure Layout

Your commercial auto insurance coverage part will consist of many parts within your policy packet.

The most common attachments you will find are as followed:

  • a declarations form,
  • commercial auto insurance coverage form,
  • any endorsements that may apply,
  • special auto insurance coverage forms.


Special Policy Types

In addition, under a business auto insurance policy, different forms are available for special types of risks.

These risks include garage coverage form and truckers coverage form.

The garage coverage insurance form is used to insure garage risks, such as service and repair shops.

This type of operation has a premises operations exposure and have temporary possession of customers’ cars.

If you are involved with certain industries then this type of coverage would be attractive.

For example, if you own an auto body care shop, dealership, impound lot, to name a few, this would apply to you.


Truckers Coverage Form

The other form labeled truckers coverage insurance form is what you will find in your policy packet.

It is utilized to insure vehicles for trucking businesses that haul goods for others, and which frequently exchange trailers with other businesses.


Policy Declarations

The business auto declarations are somewhat lengthy and are divided into six policy sections.

The policy declarations will identify the following items:

  • named insured,
  • the policy number
  • and the form of business (whether it’s a corporation or sole owner, etc.),
  • the mailing address of the named insured,
  • the identification of the insurance company
  • and the producer information, with the policy term period.


Listed Covered Vehicles

The declarations will also list the vehicles insured and the insurance coverage options provided.

Also, along with the rates, policy premiums, deductibles and other information typically found on an insurance policy declaration page.

When numerous vehicles are insured on the same policy, separate schedules of each vehicle will be attached.

The information is grouped in the following methods:


  • Item One– General information about the risk being insured.
  • Item Two — Coverages, coverage symbols, limits of liability and the premium for each coverage.
  • Item Three — Owned autos are scheduled in this area.
  • Item Four — Hired or borrowed autos are scheduled in this area.
  • Item Five — Non ownership liability is scheduled in this area.
  • Item Six — Gross receipts or mileage for liability coverage for public auto or leasing rental concerns are scheduled in this area.



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Various Sections

Various sections exist on the declaration page. On this page you will find a completed list.

It is as appropriated for the actual coverage’s being written and described on a commercial coverage policy.

If a particular coverage does not apply to the policy, then that section will be left intentionally blank.


Occupation Types:

  • Accountants
  • Avon Sales
  • Builders
  • Actors
  • Awning Installation
  • Repair Building Equipment Installation
  • Acupuncturists
  • Backhoe Services


California Insurance Coverage Options

Regardless of what city you live in within the state of California, shopping for insurance van commercial vehicle can be a daunting task.

Even if you are familiar with the process of what will be covered, what coverage’s you actually need, and what to expect once you buy, you still may have questions.

Questions can lead to savings. How can you find discounts or coverage gaps if you do not ask.



commercial vehicle insurance


Liability Coverage

The typical insuring agreement you will find on your policy is liability insurance coverage.

The carrier agrees to pay sums that you as the insured, becomes legally obligated to pay damages.

This is because of bodily injury or property damage.


Personal Injury

  • The injury or damage must be a result from an accident and arise out of an insured automobile exposure.
  • Remember, an automobile can do a great deal of harm and property damage to others.
  • These are the exposures which can jeopardize the financial strength and management focus of any business.


Pollution Costs

The coverage also will apply to covered pollution cost or expense. However, this is an extremely limited type of coverage.

As you will see when reviewing your policy definitions on your declaration page.

This will only apply to the following:

  • a demand or order to clean up,
  • remove or neutralize pollution
  • caused by the escape of substances being transported, stored, treated or processed in or upon a covered auto.

As an example, if you are transporting a drum of pesticide in a pickup truck and the pesticide is spilled o the highway, the cost of clean up would not be covered.


Business Liability

Business auto liability coverage is usually written with a single limit of liability.

It can also go up  to that limit, the carrier agrees to pay you as the insured, legal obligations for damages caused by a covered accident resulting a bodily injury or property damage.

This is to pay your cost for legal obligations for damages caused by a covered accident resulting in bodily injury or property damage.

The pay for legal obligations for covered pollution cost resulting from the following:

  • a covered accident,
  • and to defend,
  • investigate,
  • and settle suits and claims would all be included.


Duty to Defend

The duty to defend and settle ends when the limit of coverage has been exhausted by payment of judgments or settlements.

  • There is no duty to provide a defense for any bodily injury or property damage not covered by the coverage form.
  • The final paragraph in this section spells out the carriers right and duty to defend suits and to investigate and settle claims.
  • However, there is no duty to defend suits or claims for damages that are not covered by the policy form.
  • Also, to defend after the limit of liability has been exhausted by the payment of claims.


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Auto Insurance Quotes Comparison

If you are a business owner, you understand the importance of being proactive and protecting your assets.

Remember, cheap insurance doesn’t necessarily mean protection and security, so make sure to understand what your commercial van comparison entails before purchasing.

If you need help comparing small business van insurance or need instant insurance quote for auto insurance in California, call Target Up Insurance at 877-539-2533.

No matter if you have business property insurance Fontana CA or specialty auto insurance Ontario CA, we have you covered!


Service Areas: Ontario CA, Fontana, Riverside, Anaheim, Fullerton, Victorville, Costa Mesa, Irvine, Garden Grove, Santa Ana, Orange.



Commercial Van Insurance
  • Tony Alca