Commercial Insurance

Instant COIs

Meet contract requirements fast

Fleet Discounts

Save more as you grow

Customized Plans

Policies for your specific industry

Powering Your Business
Forward with Confidence

In the competitive California business landscape, your assets and your people are your most valuable resources. Whether you manage a single delivery van or a large logistics fleet, Capital & Co Insurance Services provides the robust commercial protection you need to mitigate risk and keep your operations moving smoothly.

Key Commercial Protections

Commercial Auto Liability: Essential protection if your business vehicles cause injury or damage to others.
Cargo Insurance: Protects the goods you carry against theft, damage, or loss during transit.
Hired & Non-Owned: Coverage for vehicles your business rents or for employees using personal cars for work.
Physical Damage: High-limit collision and comprehensive coverage for heavy-duty trucks and equipment.

Get a Business Quote

Over 5,000+
CA Businesses Protected

Who We Serve

Industry-Specific Expertise

Trucking

Long-haul, local delivery, and specialized logistics fleets.

Contractors

HVAC, Electrical, Plumbing, and Landscaping service vehicles.

Food & Bev

Catering vans, food trucks, and restaurant delivery services.

Professional

Consultants and sales teams traveling for business needs.

Why Partner With Capco Commercial?

Strategic Risk Management
for Growing Enterprises

Rapid Certificate Issuance 1

Need a COI to get onto a job site today? Our digital platform and dedicated agents ensure you get your paperwork in minutes, not days.

Scalable Fleet Solutions 2

As you add vehicles and employees, we adjust your coverage and look for fleet-wide discounts to keep your overhead low.

Claims Management Excellence 3

When an accident occurs, downtime costs money. We work aggressively with carriers to expedite repairs and get your team back to work.

Deep Dive: Why Your Business Needs Specialized Commercial Auto

The Risk of Using Personal Auto for Business

Many small business owners mistakenly believe their personal auto insurance covers them while making deliveries or visiting clients. However, most personal policies explicitly exclude business usage. If you're in an accident while working, your claim could be denied entirely. Commercial Auto Insurance is designed to handle the higher liability limits and specialized usage common in business operations.

Understanding Hired & Non-Owned Auto (HNOA)

If your employees use their own cars to run errands for the business, you could be held liable for an accident they cause. HNOA insurance provides the secondary liability protection your company needs in these scenarios. It's a low-cost addition that saves you from high-cost legal battles.

Meeting California Contract Requirements

To win contracts with government agencies or large corporations in California, you'll often need to prove specific coverage limits (typically $1M+). We ensure your policy meets these "standard" industry requirements so you never miss an opportunity.

Is your business fully protected?

Get a comprehensive risk assessment from our commercial specialists today.

Consult a Commercial Expert