Commercial Auto
Keep Your Fleet Moving with Confidence
Golden Era Insurance specializes in commercial auto coverage designed to protect your vehicles, drivers, and business operations. Whether you operate a single truck or an entire fleet, our tailored policies ensure you stay on the road with peace of mind. Based in Fremont, CA, we proudly serve local businesses with reliable and affordable commercial auto insurance solutions.
Our Services
Liability Coverage
Safeguards your business from claims involving bodily injury or property damage.
Physical Damage Protection
Covers repair or replacement costs for your vehicles after accidents or other covered events.
Motor Truck Cargo Insurance
Ensures your freight is protected from loss or damage during transit.
Hired & Non-Owned Auto Insurance
Extends coverage to vehicles your business rents or doesn’t own.
Fleet Insurance
Comprehensive policies for multiple vehicles, offering convenience and cost-efficiency.
Driver Protection Plans
Ensures your team is covered in case of injuries while on the job.
Don't See What You Need?
Golden Era Insurance offers customized commercial auto solutions for businesses of all types. If you have specific requirements, contact us—we’ll help you find the coverage you need to keep your business moving forward.
Safety & Compliance Tips
Smart Practices for Safer Roads & Lower Costs
Operating a commercial fleet involves more than just having insurance—it requires proactive measures to protect your drivers, vehicles, and business. Follow these expert tips to reduce risks and maintain compliance:
1. Prioritize Driver Safety
- Hire Qualified Drivers: Ensure all drivers meet state and federal qualifications, including valid commercial driver’s licenses (CDLs) and clean driving records.
- Ongoing Training: Provide regular safety training sessions to keep drivers informed about best practices, defensive driving techniques, and regulatory updates.
- Monitor Driving Behavior: Use telematics systems to track driver performance and identify risky behaviors like speeding or harsh braking.
2. Maintain Vehicle Integrity
- Regular Inspections: Schedule routine vehicle checks to identify potential issues before they lead to breakdowns or accidents.
- Preventative Maintenance: Stay on top of oil changes, tire rotations, brake checks, and other essential services.
- Upgrade Technology: Invest in advanced safety features, such as collision avoidance systems and dash cameras, to enhance protection.
3. Ensure Legal Compliance
- Understand Regulations: Familiarize yourself with local, state, and federal laws governing commercial vehicles, such as FMCSA requirements.
- Keep Records Updated: Maintain accurate documentation for vehicles, drivers, and policies to streamline audits and inspections.
- Stay Ahead of Renewals: Use reminders to ensure your policies, registrations, and certifications are always current.
4. Optimize Your Insurance Costs
- Bundle Coverage: Combine policies like fleet insurance, liability, and cargo coverage to save money.
- Review Your Policy Regularly: Work with our team to reassess your coverage annually and adjust for changes in your business operations.
- Focus on Risk Reduction: Demonstrate safe practices to your insurer for potential discounts or reduced premiums.
5. Plan for Emergencies
- Create a Response Plan: Develop clear protocols for drivers to follow in the event of an accident, theft, or breakdown.
- Keep Essential Contacts Handy: Provide drivers with emergency numbers, including roadside assistance and claims services.
- Review Coverage Limits: Ensure your policies adequately cover potential risks, including high-value cargo and liability exposure.