|

Stay Protected Wherever Your Business Drives

Commercial Auto Insurance in San Diego & Chula Vista

From jobsite runs to daily routes, Commercial Auto Insurance covers your vehicles, drivers, and business — with liability and damage protection built for California roads. With 25+ years of experience, Preferred Property & Casualty delivers fast, flexible coverage for contractors, service teams, and small business fleets.

|

What’s Covered

Coverage That Keeps You in Control

Black delivery truck icon.

Liability Coverage

Protects against third-party injuries and property damage if your vehicle is involved in an at-fault accident while used for business.

Collision Coverage

Sign prohibiting collisions between a truck and a car.

Pays for damage to your commercial vehicle after a crash — regardless of who’s at fault — and helps you get back on the road quickly.

Black and white illustration of a van with a satellite dish on its roof.

Comprehensive Coverage

Covers non-collision losses like theft, vandalism, fire, and weather-related damage to your company vehicles.

Black car icon.

Non-Owned Auto Liability

Protects your business if an employee causes an accident while driving their own personal vehicle for work purposes.

Built for Contractors, Service Crews & Mobile Teams

  • Protect Every Trip, Not Just Every Vehicle

    Whether you manage a fleet or just one van, commercial auto coverage keeps your team and assets protected wherever the road leads.

  • Cover Employees Using Personal Cars for Work

    Non-owned auto liability coverage safeguards your business from legal exposure when staff drive their own vehicles for deliveries or site visits.

  • High Limits for Businesses with More at Stake

    Business policies offer broader coverage and higher liability limits to reflect the greater risk and responsibility of commercial driving.

Common Questions

  • Is personal auto insurance enough?

    No. Most personal policies exclude business use, which means commercial auto coverage is essential if your vehicle is used for work.

  • What if we lease or finance our vehicles?

    Leased and financed vehicles often require collision and comprehensive coverage — both are standard in most commercial auto policies.

  • Can we add coverage for tools in the vehicle?

    Yes. We can include inland marine coverage to protect tools and equipment stored in or transported by your company vehicle.

White delivery vans parked in a row outside a building.

Let’s Get You Covered

We make insurance simple, fast, and personalized — so you can stay focused on what you do best.

 

Based in San Diego and proudly serving clients throughout Chula Vista and across California. We’re also licensed to support businesses in Oregon and Washington.