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888.727.9287
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insuresque.com
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888.727.9287
Talk to a licensed agent
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Protect your fleet and your business
Commercial Auto Insurance provides coverage for your vehicles and drivers, helping to manage risks on the road and keep your operations running smoothly.
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Standard coverages & limits
Every Commercial Auto Insurance policy is rooted in the same principle — coverage that steps in when everyday driving risks turn into costly claims.
Every Commercial Auto Insurance policy is rooted in the same principle — coverage that steps in when everyday driving risks turn into costly claims.
$1,000,000
Combined Single Limit Liability
$1,000,000
Bodily Injury Liability
$1,000,000
Property Damage Liability
$1,000,000
Uninsured Motorist (UM)
$1,000,000
Under-Insured Motorist (UIM)
$1,000 - $10,000
Medical Payments (MedPay)
Annual premiums start from $1,500. Higher limits are available depending on risk profile.
Common endorsements & optional coverages

Standard Commercial Auto policies cover the basics and endorsements let you extend, customize, or raise limits to match your specific business risks.

Hired & Non-Owned Auto (HNOA)
Coverage for vehicles the business rents, leases, or employees use for business purposes
Waiver of Subrogation
Prevents your insurer from pursuing a third party after paying a claim.
Rental Reimbursement
Helps pay for a temporary replacement vehicle after a covered loss
Additional Insured
May be required by contracts, lenders, or customers.
Broader Physical Damage Coverage
Options may be available for specialized or higher-value vehicles/equipment
Roadside Assistance / Towing & Labor
Helps cover towing and certain roadside expenses
How pricing works
Premiums vary by business type, risk level, and coverage details—not a flat rate.
Risk Level
Higher-risk industries and operations typically pay more for the same coverage limits.
Location & State Requirements
Local regulations, claim trends, and legal exposure vary significantly from state to state.
Claims History
Past claims signal future risk, often raising premiums for businesses with frequent losses.
Coverage Limits
Higher liability limits and lower deductibles increase your policy's overall annual premium cost.
Business Operations
Business operations affect premiums based on driving frequency, distances, cargo risks, vehicle usage, and accident exposure.
Number of Vehicles & Drivers
More vehicles and drivers generally increase premiums because they create greater exposure to accidents, claims, and management risks.
Who needs Commercial Auto insurance?
Businesses that own or register vehicles in the business name.
Companies using vehicles primarily for business purposes.
Contractors, delivery and service, transportation, hauling, and trucking businesses.
Businesses with employees who regularly drive for work.
Businesses with multiple vehicles or a fleet.
Compare quotes from multiple carriers.
How it works
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Complete the Form
Answer a few quick questions about your needs - takes less than 2 minutes
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Receive Multiple Quotes
Instantly compare free, no obligation offers from trusted providers.
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Obtain Your Coverage
Choose the plan that fits and get protected the same day.
                Coverage starts immediately
Western United Commercial Insurance Services  CA DOI License # 0D69147
1908 South El Camino Real, San Clemente, CA 92672
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