Commercial Auto

Keep Your Business Rolling with the Right Vehicle Coverage

Commercial Auto Insurance for Los Angeles Companies & Contractors

Whether you're a contractor hauling tools through Culver City, a service technician navigating the 405, or a business owner with delivery vans across LA, your vehicles are more than just transportation—they’re part of your operation. At Derian Insurance, we help local businesses stay protected on the road with commercial auto insurance in Los Angeles that covers both liability and physical damage.


If your vehicle is titled to your business—or used primarily for work—you likely need a commercial policy. We’ll help you understand the difference, select the right limits, and make sure you’re fully protected when it counts.

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Who Needs Commercial Auto Insurance in California?

If your business owns or uses vehicles, chances are you need commercial coverage. That includes:

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Contractors with work trucks or utility vanswsuits

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Delivery services using cars or cargo vans Safety

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Fleets of vans, cars, or light trucks

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Service providers with branded vehicles (e.g., electricians, HVAC, mobile groomers)

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Employees who use personal vehicles for business errands

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Businesses with company-owned sedans, pickups, or SUVs

Even if you’re a sole proprietor, a personal auto policy often won’t cover accidents if the vehicle is used for business purposes. We’ll explain where the line is—and make sure you’re not left exposed.

What Does Commercial Auto Insurance Cover?

Your business vehicles need more than just basic liability. Our policies can include:

Every business is different. We’ll tailor your policy to match your vehicles, drivers, and day-to-day operations—so you’re not paying for what you don’t need, and not missing what you do.

Liability Coverage

Covers injuries or property damage you cause in an accident

Collision & Comprehensive 

Pays to repair or replace your vehicle after accidents, theft, vandalism, or weather damage

Uninsured/Underinsured Motorist

Protects your drivers if they’re hit by someone without enough coverage

Medical Payments

Helps cover medical costs for your driver and passengers

Hired & Non-Owned Auto

Covers vehicles your business doesn’t own but uses, like employee-owned cars for deliveries or errands

Loading/Unloading & Cargo Options

For certain trades, coverage can extend to tools, equipment, or goods being transported

Why Businesses Choose Derian for Vehicle Insurance

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Decades of experience insuring LA business fleets

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Fast turnaround on certificates for contractors and job bidding

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Guidance on DMV filings and regulatory requirements

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Help with choosing limits and endorsements that match your risk

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Personal, local service—you’ll always talk to someone who knows your business

From one vehicle to a dozen, we’ll make your coverage work for your operation. Whether you’re based in Santa Monica, Van Nuys, Inglewood, or Orange County, our local knowledge gives your business the edge.

Commercial Vehicle Insurance in LA

  • Can I use my personal auto policy for business driving?

    Most personal policies exclude coverage when the vehicle is used primarily for business. If your car is titled to your business or used regularly for work, you need a commercial policy to stay covered.

  • What is hired and non-owned auto coverage?

    This protects your business if employees use personal vehicles—or if you rent or borrow vehicles for work. It’s an important add-on for businesses that don’t own vehicles but still rely on driving.

  • Does commercial auto insurance cover my tools inside the vehicle?

    Not by default. Tools and equipment are usually covered under an inland marine policy. We’ll help you add the right coverage if you transport gear.

  • What if I have multiple drivers or vehicles?

    We’ll help you structure your policy to include authorized drivers, vehicles, and appropriate liability limits. We can also help you manage your fleet coverage as your business grows.

Ready to Hit the Road with the Right Protection?

If your business depends on vehicles, make sure your insurance keeps up. Whether you’re insuring one truck or a fleet, Derian Insurance will help you get it done—quickly and correctly.