Commercial vehicle insurance is a big part of what most insurance companies offer in the sunshine state of California, as well as in other states and countries. Most of us who drive our own cars and other private vehicles like motorbikes, pleasure boats, and recreational vehicles don't pay much attention to the fact that many people use their vehicles to make a living. If you drive a commercial vehicle (like a big rig, delivery truck, bus, etc.) in California, you should know that there are certain insurance requirements you must meet by law. Because commercial vehicles often carry dangerous or valuable goods (like our children), their insurance requirements are much higher than those for regular cars.
Not every insurance company offers insurance for business vehicles. Some companies that focus on car insurance have a separate department that handles the underwriting of insurance for big trucks. Most of the time, you can talk to your agent, who can tell you what coverage they offer or point you to another insurance company that might be able to meet your business needs.
Some of the things you have to do to get insurance for these bigger vehicles are things like taking a special driver's course, as set by the state of CA. Most of the time, drivers need a special licence or endorsement to drive these kinds of cars. Most of the time, these kinds of vehicles also have to go through regular inspections to keep the roads safe. Random inspection points are often set up across the state to check commercial trucks and other vehicles on the spot.
If you have any questions about the availability of coverage or the minimum requirements necessary you should contact the state department of motor vehicles who will explain detailed coverage requirements based on the type of vehicle and for what purpose it will be used for.
