As the owner of a business, you have your own unique set of operational and protection requirements. If you own and operate vehicles as part of your business, commercial auto insurance offers the coverage you need. 

Even if you don’t own business vehicles, there’s risk involved when employees use their own vehicles for business purposes, which can be protected against with Hired and Non-Owned coverage. Scroll below for an idea of the coverage options we offer at BearStar.

Coverage Options

  • Bodily Injury & Property Damage Liability up to $2M
  • Uninsured/Underinsured Motorist
  • Collision Damage
  • Comprehensive Damage

Additional Coverage Options

  • Towing & Labor
  • Auto Loss of Use
  • Lease/Loan
  • Drive Other Car
  • Fellow Employee

Coverage for Contractors

  • Blanket Waiver of Subrogation
  • Blanket Additional Insured
  • Primary & Non-Contributory Coverage
  • Pollution Liability - Broadened Coverage for Covered Autos
  • Contractors’ Tools & Equipment Coverage

The Right Choice

Whether you drive a sedan, van, pick-up, or SUV, BearStar has the coverages you need to protect your commercial vehicles:

  • Business Auto Insurance
  • Pickup Truck Insurance
  • Van Insurance
  • Truck Insurance
  • Tow Truck Insurance
  • Dump Truck Insurance
  • Landscaping Insurance
  • Construction Insurance
  • Mobile Food Vendors (Food Trucks)

Hired & Non-Owned Coverage

Even if you don’t have any business-owned vehicles, you could still have a need for Hired and Non-Owned Auto Coverage. Hired Auto coverage can be added onto your BOP policy for vehicles that are leased, hired, rented, or borrowed. 

As for Non-Owned Auto coverage, this applies to the vehicles not owned, hired, leased, rented, or borrowed by your business. These can be vehicles owned by your employees, or members of their household, though only when used for business purposes. If your employees use their own vehicles for work, Non-Owned coverage is a necessity.

BearStar Insurance:

Your Partner for Hired, Non-Owned, & Contractor Coverage


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    They have always been responsive to our needs, whether it's adding a driver to our auto insurance, finding discounts to help us keep our premiums reasonable, bundling our auto and homeowner's, etc. They returns calls and emails quickly and knows their stuff. When we bought an RV on a holiday weekend we were able to get them on the phone and arrange for the required insurance before we drove off the dealer's lot. Excellent customer service!
    Natalie T.
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    Gino is a great agent. He's taken the time to help me adjust my policy when I moved and needed additional coverage. He came back with the right answers within hours. I trust him.
    Jon C.
    I am thankful for the fine service that Gino and the firm has provided for me and my family. We have been customers for years now and he has never wavered as a source of support and information.
    Jose C.
    I've appreciated my dealings with your office for a long time.
    Lawrence E.
    I have been with Bearstar for seven years and never once had any problems. They always responded quickly and answered any questions I've had. They always advised me on what is the best coverages for my situation. I highly recommend Bearstar
    J. R.
    Excellent service and competitive rates I use them for all of my family’s insurance needs. I would highly recommend them.
    Lloyd K.
    I have been a client for years. I get personal service for the same rates I would get from the budget insurance companies out there where I would deal with a different person every time.
    Kristian S.
    They handle all of my insurance needs. They respond quickly and make sure I have the right coverages in place. With them business insurance is one less thing I have to worry about, allowing me to focus on running my business
    Fairmont Flooring
    Always there for us. A fantastic business partner. Highly recommended!
    Junk King of Orange County
    They take care of all of my business insurance needs. They stay on top of questions, renewals and certificates all issues immediately. I couldn't recommend them any higher - the best!
    M Scott
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