If you drive for work — a delivery van, a contractor's truck, or a fleet running the South Bay — a personal auto policy can deny the claim. We shop commercial auto across carriers for San Jose and Bay Area businesses. Bilingual agents.
Aceptamos ITIN · Sin preguntas sobre tu estatus
No broker fees on standard policies · Bilingual · Se habla español
Mon–Fri 10am–6pm · Sat 10am–3pm · Se habla español
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The single most expensive insurance mistake a Bay Area business makes is assuming a personal auto policy covers a vehicle used for work. It usually does not. If you are making deliveries, hauling tools and materials, driving clients, or running a service route and you have an accident, a personal auto insurer can investigate, find the trip was for business, and deny the claim — leaving the loss on your business. Commercial auto exists precisely to close that gap. As an independent broker we shop it across carriers and size the policy to how your vehicles are actually used.
Commercial auto covers the same core pieces as a personal policy — liability for injury and damage you cause, plus collision and comprehensive on your own vehicles — but at business-use limits and with options a personal policy does not offer. The two most overlooked are hired and non-owned auto, which covers vehicles you rent or your employees' cars used for company errands. Whether you run one van or a fleet of trucks across San Jose and the South Bay, we make sure the coverage matches the real exposure.
Covers injury and property damage you cause while driving for business — at limits a personal policy won't carry.
Protects your own work vehicles from accidents, theft, vandalism, and weather damage.
Covers vehicles you rent or lease for business use — a gap most owners don't know they have.
Covers liability when an employee uses their own car for a company errand or delivery.
Whether two vans or twenty, we structure fleet coverage and keep certificates current as vehicles change.
Proof of coverage for clients, vendors, and contracts — issued fast, usually the same day.
A region as spread out as the Bay Area runs on business vehicles. Delivery and courier vans crisscross San Jose and the South Bay. Contractors and trades drive trucks loaded with tools between job sites in Santa Clara, Sunnyvale, and Milpitas. Mobile services — cleaning, landscaping, repair, food — put miles on their vehicles every day. Each of those is a commercial auto exposure, and the right policy depends on what the vehicle carries, who drives it, and how far it runs.
We also sort out the gray areas that trip businesses up. Does a single owner who uses their truck for both work and personal driving need a full commercial policy, or an endorsement? Does a company whose employees run errands in their own cars need non-owned coverage? Does a growing operation need to move from individual policies to a fleet? Because we are independent, we answer those questions across carriers, in English or Spanish, and price the coverage to how your business actually drives.
Our San Jose office at 25 N. 14th St. on the East Side writes commercial auto for businesses across San Jose, Santa Clara, Sunnyvale, Milpitas, and Campbell, and serves Marin businesses through our San Rafael office. We handle everything from a single work van to a growing fleet, and we keep your certificates current so a new client or contract never has to wait.
We are open Monday through Friday 10am to 6pm and Saturday 10am to 3pm. Walk in, call, or start online. There are no broker fees on standard policies, we accept ITIN numbers, and we do not ask about immigration status. We work bilingually in English and Spanish, because so many of the trades, delivery drivers, and mobile-service owners on Bay Area roads do business in Spanish.
Walk in or call — we'll shop commercial auto across carriers and issue your certificates fast.