Owned vehicles, hired and non-owned auto, motor truck cargo and filing coordination for California fleets and operations. Already appointed? Send us the account. New here? Apply for appointment below.
Maybe. Business-owned or regularly business-used vehicles need a commercial-auto review, while hired and non-owned auto can address a business's liability when employees use personal or rented vehicles for company work. The available protection depends on the covered-auto symbols, the vehicle use and the policy form; it is not a substitute for reviewing the driver's own coverage or a regulated carrier's filing requirement.
California requires financial responsibility for vehicles on its roads. Commercial and fleet vehicles can also have additional requirements based on the vehicle and operation.
Vehicle ownership, regular business use, employee driving, passengers, cargo, radius and regulated-motor-carrier authority can each change the form, limit or filing needed.
We map vehicle schedules, drivers, use, contracts and required filings before comparing liability, physical-damage, hired and non-owned auto, cargo and excess options.
Commercial auto addresses vehicles used for business, including third-party liability and physical damage. It can be coordinated with hired and non-owned auto, cargo and regulated-motor-carrier requirements when the operation calls for them.
Personal auto policies can restrict or exclude business use. A vehicle titled to the business or used regularly for work should be reviewed for commercial auto. Local service vehicles, delivery fleets and regulated trucking need different limits and forms.
Hired and non-owned auto can address a business's liability when employees drive personal or rented vehicles for company errands, deliveries or client visits. We review who drives, how often and what the vehicle is used for.
For-hire interstate motor-carrier requirements vary by authority, vehicle and cargo. When a BMC filing or MCS-90 applies, the insurer files the required proof; we coordinate the process and verify the filing is in place.
Larger customers, GCs and shipping brokers all demand specific auto limits — often higher than the federal or state minimum. We match to markets that will bind the exact limit the contract requires, with umbrella stacking where needed.
Third-party bodily injury and property damage caused by the insured's vehicles — at the limit required by state law, federal regulation or customer contract.
Damage to the insured's own vehicles — collision for accidents, comprehensive for fire, theft, vandalism, weather and other named perils.
Liability extension for vehicles the business rents, leases or hires — plus liability for employees driving personal vehicles on company business.
Motor truck cargo is a distinct form for freight in the insured's custody. Review it with the auto programme alongside refrigeration, hazmat, towing or specialty-cargo exposures where relevant.
Workers hurt in a company vehicle on the job sit with workers' comp — though some forms include modest medical payments cover.
Commercial auto covers business use. Heavy personal use of company vehicles needs the right form and endorsements — or a permitted-use exclusion can bite.
The loss of resale value after an accident is usually excluded. Some specialty markets offer it as an endorsement.
Commercial auto, cargo, filing and storage exposure for California moving companies.
See the pagePrimary auto, cargo, physical damage and MCS-90 — for small and mid-sized fleets and specialty haulers.
See the pageCommercial auto for trucks, trailers and equipment haulers — plus HNOA for employee personal-vehicle use.
See the pageHNOA for delivery and supply runs, plus owned auto for dedicated delivery fleets.
See the pageCommercial auto for vans and buses transporting children — with the right limits for child-passenger exposure.
See the pageFleet, forklifts on the road and delivery vehicles — sized to the shipping and distribution model.
See the pageEvery submission gets matched internally against the carrier relationships most likely to write it — not shopped blind into a dozen inboxes.
A slow market costs you the account. Matched submissions move straight to underwriting, and you're kept posted, even when the answer is no.
No 40-page form, no repeated questions. Send what you've got and we take it from there.
A mover's valuation election and its cargo insurance answer different questions. What a clean submission needs to show so the cargo limit actually matches what was promised.
When a California motor carrier's coverage moves to a new market midterm, the BMC-91 filing runs on its own clock. How to sequence it so authority never lapses.
California household mover insurance requirements: intrastate limits, cargo, filings, carrier eligibility, storage exposure and submission data.
Apply to become an appointed Nomos Wholesale partner — same-day appetite matching, direct access to E&S and specialty markets.
Get appointedSend us the submission — we'll see what fits. We can worry about the paperwork later.