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 4.8 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
I called 8 different insurance companies for a landlord quote. A few companies did not offer landlord insurance coverage. Carson Kwan was highly recommended and he was professional and provided a reasonable quote compared to other companies. His staff is very kind and I would highly recommend Kwan Insurance!
Emma Buchanan
1 month ago
I took my son to get auto insurance and Karson was informative and reliable. He helped us to get a great coverage with a premium much lower that what we expected. I highly recommend Kwan Insurance.
Karen Cheng
2 months ago
Reached out on a Friday, sent link same day, I filled out application over the weekend, got quotes the following (for auto, home & umbrella) Tuesday. They told me upfront that my rates were likely the best already, but they still helped me out. The umbrella was inherited from a previous broker who had been non reponsive - and I asked if the policy could be switched over. They were able to do so in 24 hours. I am beyond relieved to find competent agents who took time to answer all my questions before even gaining my business. Thank you!
Milly Shiu
2 months ago
Karson is fantastic to work with. I was referred to him about a year ago and we now have multiple policies with his company. He always looks out for his clients and finds the best fit and price while also giving guidance on coverages specifically. Highly highly recommend!
Mino Solomon
2 months ago
Wow, Karson is extremely knowledgeable on different insurance plans. I never thought I could enjoy buying insurance but here I am. 10/10 would recommend.
Marcus Cheung
2 months ago
Highly recommend Kwan Insurance Services. I had a wonderful experience with Karson. He was very prompt, thorough and thoughtful. He took the time to explain to me options and quick to find solutions for me. I was very happy with his work. 👏👏👍👍
Edna Salinas
2 months ago
I was helped by Karson. I switched my vehicle insurance over and he was able to create a bundle with my home insurance as well.
Above all, I really enjoyed the professionalism and urgency that he showed while working on my files.
I felt secure and comfortable the entire time and have no problems recommending his services to any of my friends.
Wayne Wen
2 months ago
We had a great experience with Karson setting up insurance for our new home in California. He was extremely responsive via email and text, offered clear explanations, and provided us with everything we needed. Highly recommended!
David Thissen
3 months ago
Karson was a great agent/insurance advisor to work with when my family and I were looking for a different bundled homeowners and auto insurance provider. He was incredibly responsive and able to provide multiple quotes, along with sound advice to help me better understand the right choice for coverage. At a time when many homeowners face limited options due to insurers no longer providing coverage for California residents I felt a sense of security working with Kwan insurance.
Tiffany Zendejas
3 months ago
It was wonderful to have an agent like Karson Kwan, experience, friendly and patient, I’m absolutely delighted working with him. 😁
A F1
3 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
