Business Auto Insurance
Guardian Insurance Agency
Trucks roll. Cars turn. Roads don’t forgive.
One crash can stop the day and drain the account.
Guard your wheels. Guard your work.
What we cover
We pay for liability when your vehicle harms someone or their property.
We fix your own vehicle with collision.
We guard against theft, fire, glass, hail, and more with comprehensive coverage.
We add UM/UIM when the other driver carries little or none.
We include medical payments for quick help after a hit.
Simple. Strong. Straight.
Why business auto is different
Business puts more on the line.
You carry higher limits.
Leases and loans demand collision and comprehensive.
Contracts ask for Additional Insured, Primary & Non‑Contributory, and Waiver of Subrogation.
We line up your certificates. We keep the wording tight.
Your people. Their cars.
If an employee drives their own car for work, your name can be pulled into the claim.
Add Hired & Non‑Owned Auto Liability.
Rent a vehicle? Cover the liability and the physical damage to the rental itself.
No gaps. No surprises.
Valuable options to consider
- Soft costs / delay in completion: interest, architectural/engineering fees, permits, advertising, and other costs triggered by a covered delay.
- Ordinance or Law: increased costs to meet updated codes during rebuilds.
- Testing & commissioning endorsements for new mechanical/electrical systems.
- Permission to occupy / partial occupancy while construction finishes.
- Flood and Earthquake (often excluded unless specifically endorsed or written separately).
What sets the price
Your trucks. Your routes. Your miles.
Records of your drivers.
Where you garage.
Limits and deductibles.
Claims behind you.
Safeguards ahead training, checks, dashcams, telematics.
Good add‑ons
- Hired & Non‑Owned Auto Liability (HNOA)
- Additional Insured / Primary & Non‑Contributory / Waiver of Subrogation
- Drive Other Car for owners without a personal policy
- Rental reimbursement & towing
- Loan/Lease Gap for financed vehicles
- Fleet safety credits where available
Small lines. Big peace.
The Guardian way
We read your routes.
We right‑size your limits.
We move COIs fast.
We stand watch while you drive.
Guardian Insurance Agency — Proper protection—prior to peril.
Call
+1 888 388 2864
Visit
1818 E 1st Street #530 Santa Ana CA 92705