- 851 N San Mateo Drive Suite E, San Mateo CA 94401
- jpanos@twfg.com
JMP Insurance Services LLC - Insurance For Tomorrow
JMP Insurance Services LLC -
Insurance For Tomorrow
Insurance For Tomorrow
Business Auto Insurance
- Solid Ground
Keep Your Business Moving Forward
Whether you have a single company vehicle or an entire fleet, business auto insurance protects your vehicles, drivers, and business from the financial impact of accidents, theft, and other covered incidents. With California’s extensive highway system and heavy traffic, comprehensive auto coverage is essential for business continuity.
Essential Coverage Options:
- Liability Coverage: Bodily injury and property damage protection (California minimum: $15,000/$30,000/$5,000)
- Collision Coverage: Repairs or replacement when your vehicle hits another object
- Comprehensive Coverage: Protection against theft, vandalism, weather, and other non-collision damage
- Uninsured/Underinsured Motorist: Protection when other drivers lack adequate insurance
- Medical Payments Coverage: Immediate medical expenses regardless of fault
- Rental Reimbursement: Temporary vehicle costs during repairs
- Roadside Assistance: Towing, battery jumps, flat tire changes, lockout service
Who Needs Business Auto Insurance:
- Businesses that own or lease vehicles
- Companies whose employees drive personal vehicles for work (hired/non-owned coverage)
- Contractors and service providers who travel to job sites
- Delivery and transportation businesses
- Sales teams that visit clients
- Any business that uses vehicles for commercial purposes
- California Considerations: California requires minimum liability coverage for all business vehicles, but these minimums are often inadequate. The state's high cost of living means accident settlements frequently exceed basic limits. Our policies exceed state minimums to provide comprehensive protection against the high costs of accidents and liability claims in California's busy traffic environment.
Fleet Management Benefits:
- Centralized policy management for multiple vehicles
- Volume discounts for larger fleets
- Driver training and safety programs
- Telematics and fleet tracking integration
- Streamlined claims handling across all vehicles
- Customizable deductibles by vehicle type or driver
Industry-Specific Solutions:
- Construction: Coverage for work trucks, equipment haulers, and job site vehicles
- Delivery Services: Specialized coverage for goods in transit and frequent stops
- Professional Services: Non-owned auto coverage for employees using personal vehicles
- Healthcare: Coverage for medical transport and home healthcare visits
- Real Estate: Protection for agents showing properties and meeting clients
Additional Protection Options:
- Gap Insurance: Covers the difference between vehicle value and loan balance
- New Vehicle Replacement: Full replacement cost for recently purchased vehicles
- Custom Equipment Coverage: Protection for specialized business equipment installed in vehicles
- Diminished Value: Compensation for reduced resale value after an accident
- Business Use of Personal Vehicles: Coverage extension when employees use personal cars for work
Risk Management Strategies:
- Regular driver training and safety meetings
- Motor Vehicle Record (MVR) monitoring for all drivers
- Vehicle maintenance programs to prevent breakdowns
- GPS tracking to monitor driving behaviors
- Accident prevention technology like dash cameras and collision avoidance systems
Claims Process:
- 24/7 claim reporting hotline
- Preferred repair shop networks for faster service
- Rental vehicle coordination during repairs
- Direct repair billing to minimize out-of-pocket costs
- Dedicated claims adjusters familiar with commercial operations
