Coverage for the vehicles your business depends on. Independent agency, veteran owned, based in Temecula and writing across California.
Trucks, vans and fleets · Hired and non-owned auto · Motor truck cargo
Fill out the form for this coverage and email it back. That is all we need to start your quote.
Vehicle and driver schedules, radius, trailers, hired and non-owned auto, and current coverage.
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A personal auto policy can be denied when the vehicle is being used for business. If you haul tools, carry inventory, make deliveries, visit job sites, or the vehicle is titled to your company, that exposure generally belongs on a commercial auto policy instead.
The gap usually surfaces at the worst moment, after a loss, when the claim is reviewed and the business use comes to light.
Trucks and vans carrying tools, materials and crews between job sites.
Vehicles making scheduled stops, deliveries or on-site service calls.
Any business where employees operate a company vehicle, or drive their own vehicle for work.
Two vehicles or two hundred. Fleet policies are rated differently than individual units and are often the better structure as you grow.
Liability for bodily injury and property damage. Physical damage including collision and comprehensive. Uninsured and underinsured motorist. Medical payments.
Hired and non-owned auto, which responds when employees drive rented or personal vehicles on company business, and is frequently the coverage businesses discover they were missing.
Motor truck cargo for goods in transit, and trailer interchange where applicable.
We are not captive to one carrier. Commercial auto pricing varies widely between carriers based on vehicle type, radius of operation, driver history and class code, and the difference between the first quote and the right quote is often substantial.
We shop it, explain what changed, and hand you the comparison.
Coverage for the vehicles your business depends on. Independent, veteran-owned agency in Temecula writing across California. The same truck, the same driver and the same radius will price four different ways at four different carriers, and an independent broker runs all four before you sign anything. Call 650-489-2592 for a quote.
Contractors and trades: trucks and vans carrying tools, materials and crews between job sites. Service and delivery businesses: vehicles making scheduled stops, deliveries or on-site service calls. Companies with employees driving: any business where employees operate a company vehicle, or drive their own vehicle for work. Fleets: two vehicles or two hundred, rated differently than individual units and often the better structure as you grow.
Liability for bodily injury and property damage. Physical damage including collision and comprehensive. Uninsured and underinsured motorist. Medical payments.
Commercial auto is rated on your class code, your radius of operation, your vehicle weight and type, and every driver on the MVR. Change any one of those inputs and carriers move in different directions, because each one has its own appetite for the classes it wants and the ones it is trying to shed. We shop the same submission across multiple carriers and hand you the comparison.
Most commercial auto policies exist because somebody asked for proof of one. Send us the contract language or the sample certificate and we will confirm the requirement is actually met before you sign, then issue the certificate and the additional insured endorsement.
Commercial auto is written in the state where the vehicle is garaged, not where your office is. If you run units across state lines, these are the states Always Faithful is licensed in.
California (Lic. #4476212), Arizona (Lic. #21686200), Colorado (Lic. #931002), Florida (Lic. #G308768), Georgia (Lic. #3885235), Idaho (Lic. #21686200), Illinois (Lic. #21686200), Kansas (Lic. #21686200), Michigan (NPN #21686200), Nevada (Lic. #4185263 and #4185449), New Jersey (Lic. #3004117893), New York (Lic. #1963685), Oklahoma (Lic. #3004120365), Oregon (Lic. #21686200), Pennsylvania (Lic. #1302972), Tennessee (Lic. #3004115452), Texas (Lic. #3441028), Utah (Lic. #1104790), Virginia (Lic. #1572794), Washington (Lic. #1351740), Wisconsin (Lic. #21686200).
Always Faithful Insurance Agency. California Property and Casualty Broker License #4476212. National Producer Number 21686200. Licensed in 21 states. Owned and operated by a United States Marine Corps veteran. California Disabled Veteran Business Enterprise #2045250.
Call 650-489-2592 or email support@semperfiservicesolutions.com. Temecula, California. Monday to Saturday, 8AM to 5PM.
Coverage descriptions on this page are general.
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Often, yes. A personal auto policy can deny a claim when the vehicle was being used for business, such as hauling tools, carrying materials, making deliveries or driving to job sites, or when the vehicle is titled to your company.
It covers your business when employees drive rented vehicles or their own vehicles on company business. It is one of the coverages businesses most often discover they were missing after a claim.
The business class, how far the vehicles travel (radius), the type and weight of each vehicle, where they are garaged and every driver's motor vehicle record. The same truck and driver can price very differently from one carrier to the next.
Both. We write single work trucks and vans as well as fleets. Fill out the Commercial Auto Application with your vehicle and driver schedules to get started.