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 Antioch, 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 Antioch 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 Antioch CA 94509. 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 Antioch depends on its automobiles for transportation, then commercial auto insurance is needed. Huge companies with big fleets, along with small businesses with single automobiles require the insurance plan in place.
The commercial auto insurance policy is an insurance plan that covers automobiles 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 incurred during the use of the automobiles.
What Is Covered?
The commercial vehicle insurance plan covers all kinds of cars utilized by the business, from small automobiles to heavy commercial trucks (including vans, food trucks, box trucks and service energy vehicles– SUVs). The insurance coverage in Antioch may also be referred to as fleet insurance or truck insurance.
Because individual cars are not meant for business use, they are rated and written off differently from the cars utilized commercially. The compensation plans also vary in between personal and commercial auto insurance policies.
For instance, the plan takes in account the commercial cars are dealt with by licensed staff members in Antioch CA who are governed by work policies with regards to the vehicles. This helps the insurer know when and who to appropriate the blame in case of accidents, damages, and even death.
What Commercial Auto Insurance Consists Of
The commercial auto insurance plan comes with numerous types of coverage.
• Bodily injury liability: this type of coverage pays for bodily injury or death, as well as providing with legal defense if your business is at fault.
• Property damage liability coverage: This coverage protects you in case the vehicle damages another person’s property in the course of business. You might also get legal defense.
• Accident protection: This insurance coverage pays for the medical expenditures of the occupants in the event of an accident, despite who is at fault. It is also known as the no-fault or medical payments coverage.
• Uninsured driver coverage: This coverage pays for the injuries and to an extent, property damage caused by an uninsured driver (or in most cases, a hit-and-run driver).
Other Areas Covered By the Policy
• Integrated single limit coverage (CSL): This is a coverage that offers separate limits that look for physical injury and property damage. It has the same quantity of coverage (in regards to cash) that requests either bodily injury, property damage, or whether several individuals were involved in the mishap.
• Collision coverage: This coverage pays for your vehicle when it is hit by another item, or when it caused the collision.
• 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 costly lawsuits in case your vehicle caused the accident. It also protects the business in that its owner won’t incur the extra expense of vehicle repair or even fleet replacement regardless of who triggered the mishap.
Thus, it’s a no-brainer that commercial auto insurance coverage is obligatory for any business that runs an automobile throughout its operations.