Vehicles used for business purposes are typically easy to identify and know whether you need commercial auto insurance. But if you use a car, for example, to run business-related errands or transport clients or tools, you may need commercial auto insurance for that vehicle. So in order to not just be in compliance with the laws of American Canyon, but also your own peace of mind, look to the experts at California Contractors Insurance. We provide the most comprehensive and affordable commercial auto insurance in the state. Our coverages are designed for any type of vehicle you have in your stable whether it’s cars, trucks, or vans, etc.
Commercial Auto Insurance Specialists Near Me In American Canyon California
What can you expect when you work with California Contractors Insurance for your commercial auto insurance needs? Besides the best agents in the state of California, you’ll get the most affordable yet comprehensive coverage in American Canyon CA 94503. Which includes coverage for any vehicle, liability, medical payments, physical damage, hired auto, uninsured motorist, non-owned coverage, and more. You’ll get this coverage tailored by a professional with vast knowledge and experience with commercial auto insurance. This will provide you with the peace of mind you need not to mention satisfying all state of California legal requirements. As an independent contractor, this is the commercial auto insurance you need.
Free Commercial Auto Insurance Quote – (888) 728-4034
Regardless of the number and types of vehicles your business utilizes, the knowledgeable commercial auto insurance agents at California Contractors Insurance can provide you with the policy and coverage you need. So call us today at (888) 728-4034, request a quote, or ask a question of one of our friendly associates. You’ll be glad you did.
More About Commercial Auto Insurance
Understanding What Commercial Auto Insurance Is
If your business in American Canyon counts on its vehicles for transport, then commercial auto insurance is needed. Big companies with large fleets, as well as small businesses with single automobiles need the insurance plan in place.
The commercial auto insurance policy is an insurance plan that covers vehicles that are not covered by personal auto insurance plans, that is, cars that are utilized for business purposes. The insurance covers for damages, injuries, and liabilities sustained during the use of the cars.
What Is Covered?
The commercial vehicle insurance plan covers all types of cars used by the business, from small cars to heavy commercial trucks (including vans, food trucks, box trucks and service energy automobiles– SUVs). The insurance coverage in American Canyon might also be referred to as fleet insurance or truck insurance.
Considering that individual cars are not meant for business use, they are rated and written off differently from the cars used commercially. The compensation plans also differ in between individual and commercial auto insurance coverage.
For instance, the plan takes in account the commercial automobiles are handled by licensed employees in American Canyon CA who are governed by work policies with regards to the automobiles. This helps the insurer know when and who to appropriate the blame in case of accidents, damages, and even death.
What Commercial Auto Insurance Includes
The commercial auto insurance plan includes different types of protection.
• Bodily injury liability: this kind of coverage pays for bodily injury or death, in addition to offering with legal defense if your business is at fault.
• Property damage liability coverage: This coverage protects you in case the vehicle harms another individual’s property in the course of business. You may also get legal defense.
• Injury protection: This insurance coverage pays for the medical expenses of the occupants in case of a mishap, no matter who is at fault. It is also known as the no-fault or medical payments coverage.
• Uninsured vehicle driver coverage: This coverage pays for the injuries and to a degree, property damage triggered by an uninsured driver (or for the most parts, a hit-and-run chauffeur).
Other Areas Covered By the Policy
• Combined single limit coverage (CSL): This is a coverage that offers separate limits that apply for physical injury and property damage. It has the same amount of protection (in regards to cash) that looks for either bodily injury, property damage, or whether several individuals were involved in the accident.
• Crash coverage: This coverage pays for your vehicle when it is hit by another object, or when it triggered the crash.
• Comprehensive physical damage coverage: This coverage pays for the vehicle in case of other uncontrollable circumstances like floods, fire, vandalism, and theft.
In Essence
This kind of insurance coverage is meant to protect your business from expensive claims in case your vehicle caused the accident. It also protects the business in that its owner will not incur the extra expense of vehicle repair or perhaps fleet replacement no matter who caused the accident.
Hence, it’s a no-brainer that commercial auto insurance coverage is mandatory for any business that operates an automobile during its operations.