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 Atherton, 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 Experts Near Me In Atherton 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 Atherton CA 94027. 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 Atherton depends on its vehicles for transport, then commercial auto insurance is needed. Big companies with large fleets, as well as small businesses with single vehicles need the insurance plan in place.
The commercial auto insurance plan is an insurance plan that covers vehicles that are not covered by individual auto insurance plans, that is, automobiles that are used for business functions. The insurance covers for damages, injuries, and liabilities sustained throughout the use of the cars.
What Is Covered?
The commercial vehicle insurance plan covers all types of vehicles utilized by the business, from small automobiles to heavy commercial trucks (including vans, food trucks, box trucks and service utility vehicles– SUVs). The insurance coverage in Atherton may also be referred to as fleet insurance or truck insurance.
Given that personal cars are not meant for business usage, they are rated and written off in a different way from the cars utilized commercially. The compensation plans also differ in between individual and commercial auto insurance plans.
For example, the plan takes in account the commercial vehicles are handled by licensed staff members in Atherton CA who are governed by work policies with regards to the cars. This helps the insurer know when and who to appropriate the blame in case of mishaps, damages, as well as death.
What Commercial Auto Insurance Includes
The commercial auto insurance policy includes different kinds of coverage.
• Bodily injury liability: this type 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.
• Personal injury coverage: This insurance coverage pays for the medical expenses of the residents in the event of an accident, regardless of who is at fault. It is also known as the no-fault or medical payments coverage.
• Uninsured motorist coverage: This coverage pays for the injuries and to a degree, property damage brought on by an uninsured motorist (or most of the times, a hit-and-run chauffeur).
Other Areas Covered By the Policy
• Combined single limitation coverage (CSL): This is a coverage that provides different limitations that obtain bodily injury and property damage. It has the same amount of protection (in terms of cash) that requests either bodily injury, property damage, or whether several individuals were involved in the accident.
• Collision coverage: This coverage pays for your vehicle when it is struck by another item, or when it triggered the collision.
• Comprehensive physical damage coverage: This coverage pays for the vehicle in case of other uncontrollable instances like floods, fire, vandalism, and theft.
In Essence
This type of insurance coverage is meant to safeguard your business from expensive claims in case your vehicle triggered the mishap. It also protects the business in that its owner won’t incur the additional cost of vehicle repair and even fleet replacement despite who triggered the accident.
Hence, it’s a no-brainer that commercial auto insurance coverage is compulsory for any business that runs an automobile throughout its operations.