Business-use review
Talk through deliveries, service calls, tools, mobile vending, passenger transport, employee errands, and where each vehicle is garaged or driven.
Commercial auto coverage
Commercial auto insurance for Southeast Los Angeles businesses
Review coverage for work vehicles, employee drivers, rented or borrowed vehicles, certificates, liability limits, physical damage, and daily business operations with local bilingual guidance.
Built for local customers
Commercial Auto Insurance
If your business uses cars, SUVs, vans, pickups, trucks, food trucks, taxis, ice cream trucks, or other vehicles for deliveries, service calls, mobile vending, client visits, or employee errands, Cardona's helps you review commercial auto options. We explain business use, drivers, vehicle classifications, current California 30/60/15 financial responsibility, liability limits, physical damage, medical payments, uninsured motorist, hired and non-owned auto questions, certificates, and possible extra requirements from contracts, DMV, PUC, DOT, or local agencies.
Bilingual3 officesLocal follow-up
Vehicles and drivers
Review scheduled autos, SUVs, vans, pickups, trucks, lunch trucks, taxis, ice cream trucks, drivers, and small fleet changes.
Limits and certificates
Compare current California minimums with higher liability limits, combined single limit questions, proof of insurance, and certificate requests.
Hired and non-owned autos
Ask how rented, borrowed, or employee-owned vehicles used for business may create a separate liability question for the company.
Policy support
Get local help with certificates, driver updates, vehicle changes, payments, renewals, ID cards, and common commercial auto questions.
What this covers
Commercial auto coverage options we can review
California 30/60/15 minimum liability baseline and higher-limit questions
Bodily injury and property damage liability for covered business vehicles
Medical payments for you, employees, and passengers when available
Uninsured or underinsured motorist bodily injury and property damage questions
Comprehensive coverage for theft, fire, vandalism, weather, animals, and other non-collision losses
Collision coverage and deductible choices for damage to a covered business vehicle
Hired auto and non-owned auto liability for rentals, borrowed vehicles, and employee-owned vehicles used for work
Certificates of insurance, proof of insurance, lienholder, loss payee, and contract requirement questions
Driver schedules, vehicle schedules, garaging address, radius of operation, and business-use classification
Autos, SUVs, vans, pickups, box trucks, work trucks, lunch trucks, taxis, ice cream trucks, service vehicles, delivery vehicles, and small fleet questions
Possible DMV, PUC, DOT, federal, state, local, or contract requirements for certain commercial or fleet operations
Before you call
Business and vehicle details to prepare
1
Legal business name, DBA if any, type of business, service area, and business address
2
Vehicle year, make, model, VIN, body type, license plate, value, weight or GVW if available, and garaging address
3
How each vehicle is used: deliveries, tools, passengers, food vending, service calls, radius of operation, and annual mileage
4
Driver names, license information, dates of birth, driving history, and whether drivers are owners, employees, or contractors
5
Current declarations page, insurance ID card, certificate requests, contract insurance requirements, or prior loss details if available
6
Finance, lease, lienholder, loss payee, rented vehicle, borrowed vehicle, or employee-owned vehicle details if they apply
Local office paths
Local commercial auto support
Cardona's helps small businesses across Cudahy, Huntington Park, East Los Angeles, Bell, South Gate, and nearby communities compare commercial auto coverage and handle policy support close to work. Call a nearby office or email cardonasinsurance15@gmail.com to start.
Cudahy
8040 S Atlantic Ave, Cudahy, CA 90201
Huntington Park
2563 Saturn Ave, Huntington Park, CA 90255
Los Angeles
4146 E Olympic Blvd Unit E, Los Angeles, CA 90023
Cardona's local support
Commercial Auto Insurance
Questions answered
Frequently asked questions
When does a business need commercial auto insurance?
A commercial auto policy should be reviewed when a vehicle is owned by the business or used for deliveries, service calls, transporting tools or equipment, carrying passengers for pay, mobile vending, visiting clients, or other work activity. Personal auto policies may restrict or exclude some business use.
What does commercial auto liability cover?
Liability coverage can help protect the business when an owner or covered driver causes bodily injury or property damage to someone else while using a covered vehicle for business, up to the policy limits.
Are California minimum limits the same for commercial vehicles?
DMV lists the current minimum liability limits for private passenger, commercial, and fleet vehicles as $30,000 for injury or death to one person, $60,000 for injury or death to more than one person, and $15,000 for property damage. Some commercial or fleet vehicles may also need higher limits, filings, or certificates required by contracts, federal, state, or local agencies.
Can employee-owned or rented vehicles be reviewed?
Yes. Ask about hired and non-owned auto liability if employees use personal vehicles, borrowed vehicles, or rented vehicles for business tasks. This is different from insuring the employee's own car for physical damage, so the exact use and policy wording matter.
What vehicles can Cardona's review for commercial auto?
Depending on carrier availability and underwriting, the team can review questions for regular cars, SUVs, vans, pickups, box trucks, work trucks, food or lunch trucks, taxis, ice cream trucks, service vehicles, delivery vehicles, and small fleets.
What coverages can a commercial auto policy include?
Options may include bodily injury and property damage liability, medical payments, uninsured or underinsured motorist, comprehensive, collision, rental reimbursement or hired auto questions, non-owned auto liability, towing, certificates, and deductible choices.
Does commercial auto replace workers' compensation or general liability?
No. Commercial auto focuses on covered vehicles and auto liability. Employee injuries, business premises, completed work, tools, cargo, food vending, or professional services may need other policies such as workers' compensation, general liability, inland marine, or business insurance.
What information should I have ready for a quote?
Have the legal business name, type of work, vehicle year/make/model/VIN, garaging address, how each vehicle is used, driver information, current policy if any, finance or lease details, certificate requests, and any contract or agency requirements.
Can Cardona's help after the policy starts?
Yes. The offices can help with certificates, proof of insurance, driver or vehicle changes, payments, renewals, ID cards, and questions about the policy.
Related local services
Keep the next step connected.
Many visits involve more than one question. These pages keep insurance, auto registration, and income tax help connected to the same local offices.
01Business InsuranceSmall business guidance for general liability, commercial property, BOP, workers' compensation, certificates, and contracts.View service02Auto InsuranceCalifornia auto coverage guidance with current liability limits and optional protection explained clearly.View service03Vehicle RegistrationDMV Partner registration help for renewals, stickers, title transfers, PNO, NRL, suspensions, permits, and revived salvage or revived junk questions.View service04SR-22 InsuranceHelp reviewing California SR-22 financial responsibility certificate questions and auto insurance coordination.View service
Ready to move
Start With The Office Closest To You.
Call the nearest location or send the form and a local office will help you with the next step.