FOCUS ON GROWTH, WE'LL HANDLE THE RISKS.

Business Auto Insurance: Protecting Your Fleet on California Roads

Whether your business relies on a single service vehicle or a fleet of delivery trucks, unexpected accidents can disrupt your operations and threaten your financial stability. Our Business Auto Insurance solutions are designed to provide robust protection for your company’s vehicles.

We offer customized coverage options including liability, collision, and comprehensive protection, ensuring your fleet is secure on California's busy roads. From daily deliveries to client visits across the state, we’ll help you safeguard your assets, manage risk, and maintain seamless operations. Contact us to learn more about how we can tailor a policy to fit your specific needs and keep your business moving forward.

Navigating California & Federal Transportation Filings

Securing the right insurance is only half the battle. If you are moving goods, passengers, or medical patients, you must comply with strict state, federal, and broker mandates. At Callidus Insurance Solutions, we don't just write your policy—we guide you through complex application processes and submit required filings directly to the agencies.

We provide expert filing assistance and customized coverage for:

• NEMT & Patient Transportation (Non-Emergency Medical Transport): Transporting wheelchair, stretcher, or ambulatory patients requires specialized coverage that standard auto policies exclude. Whether you operate wheelchair vans or a multi-vehicle fleet contracting with Medi-Cal brokers (such as ModivCare, MTM, or Access2Care), we ensure your business meets mandatory $1M CSL liability limits, general/professional liability, abuse & molestation coverage, and physical damage for specialized wheelchair lifts and conversion equipment.
• DOT Filings (Department of Transportation): For businesses operating commercial vehicles across state lines or transporting hazardous materials, we ensure your USDOT filings (including MCS-90 endorsements) are active and compliant with the FMCSA.
• MCP (Motor Carrier Permit): Required by the California DMV for commercial vehicles over 10,001 lbs GVWR or any vehicle hauling property for compensation. We handle your Certificate of Insurance (MC 65 M) filings to keep your trucks moving.
• TCP (Transportation Charter Party): Required by the CPUC for charter buses, limos, shuttles, and passenger transport. We make sure you meet California's mandatory passenger liability limits and file your PL914 proof of insurance without delay.
• TNC (Transportation Network Company): For rideshare fleets and platform drivers, we bridge the gap between personal auto coverage and commercial liability rules.



Application & Filing Assistance: We Handle the Paperwork

Dealing with the California DMV, CPUC, DHCS, or federal agencies can paralyze a growing business. When you work with Callidus Insurance Solutions, we take care of the details:

• Identify exact insurance limits required by state agencies or Medi-Cal managed care plans.
• Help complete application paperwork accurately to avoid regulatory delays.
• Electronically file Certificates of Insurance directly with regulatory agencies and brokers so your drivers stay on the road.