It depends on whether you are simply a business with vehicles or a motor carrier. An ordinary commercial vehicle sits on the same statutory floor as a private passenger car. A motor carrier of property needs a Motor Carrier Permit from the DMV, and Vehicle Code 34631.5 sets the floor at a $750,000 combined single limit. A carrier running only vehicles under 10,000 pounds GVWR files at $300,000 instead. Hazardous commodities run higher, up to $5 million. Your insurer files the certificate with the DMV, and the permit is suspended the moment that filing is cancelled. Current as of August 2026.
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