Insurance
Commercial Auto Insurance
Protect your vehicles and your business operations with customized commercial auto insurance built for California businesses. Whether you have one company car or an entire fleet, we've got you covered - with dependable local support you can trust.
Rated 4.9 out of 5
Based on 50+ reviews
Covers business-use vehicles
Protects cars, vans, trucks, and more used for work.
Covers accidents & liability
Pays for damage, medical costs, and legal claims if you’re at fault.
Meets legal & contract requirements
Required for many business operations and commercial leases.
Peace of mind for owners & drivers
Keep your team on the road with confidence and full protection.
Car Insurance made simple
Personalized coverage. Trusted local guidance.
At Kwan Insurance Services, we help you find the commercial auto insurance that truly fits your business. Whether you’re a small business with a single work truck or you operate a full delivery fleet, we make sure you have the coverage to stay compliant, avoid financial loss, and keep your operations moving. Commercial auto insurance covers company-owned or used vehicles from damage, liability, and legal costs after an accident. It’s different from personal auto insurance, and essential if your vehicle is used for business.
With access to multiple carriers, we compare quotes, explain what is required by law, and help you build the right policy custom-fit for your business vehicles and drivers. As your personal advisor, we make commercial auto insurance simple, transparent, and tailored to you.
Built on trust. Backed by experience.
Here’s why people choose us for their Commercial Auto Insurance
- Family-owned with personal, honest service.
- 30+ years of local insurance expertise.
- We compare top carriers to save you money.
- Support in English, Cantonese, and Mandarin.
Build a policy that works for you
Popular Commercial Auto Insurance coverage
We make it easy to understand your choices. Explore the coverage options that offer the best protection for your vehicle and budget.
Find the right coverage at the right price
Get your free quote in minutesWhat is Commercial Commercial Auto Insurance and how does it work?
Car insurance is a policy that protects you financially if you cause an accident or your vehicle is damaged. In the U.S., drivers choose from different coverage options - like liability, collision, and comprehensive - to build a policy that fits their needs. You pay a monthly premium, and in return, the insurance company helps cover the costs if something happens.
See state-specific insurance exceptions
Coverage and requirements may vary by state. Check with us to see what applies in your area.
Why having Commercial Auto Insurance matters
Car insurance isn’t just a legal requirement - it’s peace of mind. It protects you from costly repairs, medical bills, and liability if you’re at fault in an accident. With the right coverage, you can drive confidently, knowing you’re protected when it matters most.
What’s typically covered by Commercial Auto Insurance?
Most car insurance policies cover three main things: damage you cause to others (liability), damage to your own car from an accident (collision), and non-accident damage like theft or weather (comprehensive). You can also add coverage for medical expenses, uninsured drivers, and roadside help.
Optional coverages and special insurance options
Beyond the basics, you can customize your policy with extra protection. Options like rental car reimbursement, gap insurance, or roadside assistance offer added peace of mind. We also help with coverage for classic cars, rideshare drivers, and teen drivers - so your insurance fits your life.
How we help you choose the right coverage
As your local broker, we listen first. We get to know your situation and guide you through your options, making sure your coverage fits your needs and budget. Whether you want maximum protection or the essentials, we’re here with honest advice and personal service.
How to get started
Simple steps to the right Commercial Auto Insurance
From your first message to ongoing support, getting insured with us is easy. Here’s how we guide you through every step — with clarity, care, and no pressure.
No complicated formsFast, personalized quotes
Step 1
Get in touch
Contact us by phone, email, or online - we’re ready to help.
Step 2
Get tailored Commercial Auto Insurance quote
We’ll ask a few quick questions and provide the best options for you.
Step 3
Get honest advice
Not sure what you need? We’ll explain your coverage options clearly.
Step 4
Set up your policy
When you’re ready, we’ll handle all the paperwork and get you insured.
Step 5
Rely on us for support
Have questions or need to file a claim? We’re here whenever you need us.
You’re in good company
See how we’ve helped drivers feel safer on the road cover faster.
Rated 4.9 out of 5 by real clients
5 stars service. Karson is a very nice person and good advisor. He is a very helpful person. He helped me find a good package for my car insurance. The monthly premiums for my car insurance were lower, but the coverage was much better. Highly recommend.
Francis Yuen
2 months ago
Karson helped me renew my home and auto policies in a bundle that expanded my coverage without increasing my rates. He gave me honest recommendations based on my needs, was very responsive over email, and had a streamlined system for signing and payment. I would 100% recommend to anyone in California or Oregon!
Sienna Ringgenberg
2 months ago
Great service! They are very attentive and able to find the correct insurance that fit my needs. Victor is a funny guy. He'll make sure you're satisfied.
Hong Kwan
2 months ago
Mr. Kwan is trustworthy. He never makes empty promise.
George Wong
6 months ago
Kwan Insurance removed stress out of sorting through insurance quotes after an out-of-state move. They compared quotes and even checked with my existing out-of-state insurer if they could transfer my policy. Karson was responsive, friendly, and advocated for my best interest by letting me know additional ways to bundle and save money. I strongly recommend Kwan for your insurance needs.
Andrew Collins
6 months ago
Great service by Victor and Karson, covering all my insurance needs!
Curtis Liew
2 months ago
It's hard to get a new homeowners insurance policy in California now as all big insurance companies have stopped giving new policies, considering California is at high risk of wildfires. Karson was amazing to get me an affordable homeowners insurance policy within the same day.
Ajay Soni
6 months ago
"Recently switched my auto insurance and Karson helped me with getting the best rate! I saved about $700 switching to his services. It was fast and hassle free. Karson wasn’t pushy and was really patient when I was shopping around for auto insurance. He was very communicative and have responds quickly. Would recommend him and his team!"
Azaian Cagalingan
3 months ago
I had a truly great experience working with Karson. He was incredibly knowledgeable and took the time to explain everything clearly, patiently answering all of my many questions. He went above and beyond by exploring several different insurance options to find the best fit for my specific needs. What impressed me most was that he also provided helpful tips that significantly improved my understanding of insurance choices. Thanks to his expertise and guidance, I felt completely confident in making my decisions. On top of all this excellent service, I saved nearly $2,000 by switching from Allstate and keeping the same coverage! I highly recommend Karson to anyone looking for a knowledgeable, patient, and effective automobile insurance agent who can truly deliver results.
Richard P
6 months ago
FAQ
Common Commercial Auto Insurance questions asked by clients
Get quick answers to the questions we hear most - from coverage basics to claims and costs.
Can I switch my current car insurance to Kwan Insurance?
Yes – switching is easy. We’ll help you review your current policy, compare it with new options, and guide you through making the change smoothly.
What’s the difference between property insurance and general liability?
Property insurance covers things you own; liability insurance covers injuries or damages to others. Most businesses need both.
Can I combine property coverage with other business policies?
Yes! A Business Owner’s Policy (BOP) can bundle property, liability, and more at a lower cost.
Do I need coverage for equipment or tools I take off-site?
Yes, add inland marine coverage for property in transit or used on jobsites.
What happens if I need to file a claim?
Contact your insurance company directly, and we’ll help guide you through the process and paperwork.
Coverage made simple
Helping local drivers stay protected
- Rated 4.8 out of 5 stars
- 30+ years of expertise
