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 Butte County, 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 Agency Near Me In Butte County 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 Butte County CA . 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.
Comprehending What Commercial Auto Insurance Is
If your business in Butte County depends on its cars for transport, then commercial auto insurance is needed. Big companies with big fleets, as well as small businesses with single automobiles need the insurance plan in place.
The commercial auto insurance plan is an insurance plan that covers cars that are not covered by individual auto insurance plans, that is, cars that are used for business functions. The insurance covers for damages, injuries, and liabilities incurred during the use of the vehicles.
What Is Covered?
The commercial vehicle insurance plan covers all types of automobiles 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 Butte County might also be referred to as fleet insurance or truck insurance.
Because personal automobiles are not meant for business use, they are rated and written off differently from the automobiles used commercially. The compensation plans also differ in between individual and commercial auto insurance policies.
For instance, the plan takes in account the commercial cars are managed by licensed employees in Butte County CA who are governed by work policies with regards to the automobiles. This helps the insurance provider know when and who to appropriate the blame in case of mishaps, damages, and even death.
What Commercial Auto Insurance Includes
The commercial auto insurance coverage includes numerous types of protection.
• Bodily injury liability: this kind of coverage pays for physical injury or death, along with supplying 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 might also get legal defense.
• Personal injury coverage: This insurance coverage pays for the medical costs of the residents in the event of an accident, despite who is at fault. It is also referred to as the no-fault or medical payments coverage.
• Uninsured motorist coverage: This coverage pays for the injuries and to an extent, property damage brought on by an uninsured chauffeur (or in many cases, a hit-and-run motorist).
Other Areas Covered By the Policy
• Combined single limitation coverage (CSL): This is a coverage that provides different limitations that obtain physical injury and property damage. It has the same amount of protection (in terms of cash) that obtains either physical injury, property damage, or whether several people were involved in the accident.
• Collision coverage: This coverage pays for your vehicle when it is hit by another item, or when it caused the crash.
• Comprehensive physical damage coverage: This coverage pays for the vehicle in case of other uncontrollable circumstances like floods, fire, vandalism, and theft.
This kind of insurance coverage is meant to protect your business from costly lawsuits in case your vehicle triggered the accident. It also protects the business in that its owner won’t incur the extra cost of vehicle repair or even fleet replacement regardless of who triggered the accident.
Thus, it’s a no-brainer that commercial auto insurance coverage is compulsory for any business that runs an automobile during its operations.
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