Even with the high cost of gas and the rise of telecommuting, there's no getting around the fact that some businesses have to run on the road. In California, particularly the Bay Area, that can be a dangerous business for anyone.

Protecting your company liability, vehicles and the people in them is vital to the peace of mind of your business. Even if you or your employees have personal auto insurance, your business still needs commercial auto insurance. This is because vehicles involved in an accident while engaged on company business will not be covered by personal insurance policy.

There are a variety of coverages for your commercial autos. What you want to do is determine all business-use autos, pickups, vans, trucks and non-owned and rented vehicles.

The term "non-owned vehicle" refers to when an employee is using their own vehicle to run errands for your business. Once this has been determined, we'll be able to analyze your insurance needs and prepare a policy that will cover your business in case of an accident.

With the high rate of road accidents in California, you want to make sure your vehicles and people are appropriately covered.

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