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 Campbell, 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 Campbell 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 Campbell CA 95008. 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 Campbell relies on its vehicles for transportation, then commercial auto insurance is required. Big companies with large fleets, as well as small businesses with single cars require the insurance plan in place.
The commercial auto insurance coverage is an insurance plan that covers vehicles that are not covered by personal auto insurance plans, that is, automobiles that are used for business functions. The insurance covers for damages, injuries, and liabilities incurred throughout the use of the vehicles.
What Is Covered?
The commercial vehicle insurance plan covers all kinds of cars used by the business, from small automobiles to heavy commercial trucks (including vans, food trucks, box trucks and service utility cars– SUVs). The insurance coverage in Campbell may also be referred to as fleet insurance or truck insurance.
Since personal automobiles are not meant for business usage, they are rated and written off differently from the automobiles used commercially. The compensation plans also differ between personal and commercial auto insurance coverage.
For instance, the plan takes in account the commercial automobiles are managed by authorized employees in Campbell CA who are governed by work policies with regards to the cars. This helps the insurance provider know when and who to appropriate the blame in case of accidents, damages, as well as death.
What Commercial Auto Insurance Consists Of
The commercial auto insurance policy features different types of protection.
• Physical 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.
• Injury protection: This insurance coverage pays for the medical expenses of the occupants in case of an accident, despite who is at fault. It is also called 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 chauffeur (or for the most parts, a hit-and-run motorist).
Other Areas Covered By the Policy
• Integrated single limitation coverage (CSL): This is a coverage that offers different limits that get physical injury and property damage. It has the same amount of coverage (in terms of cash) that makes an application for either physical injury, property damage, or whether several individuals were involved in the mishap.
• Accident coverage: This coverage pays for your vehicle when it is hit by another item, or when it triggered 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 expensive claims in case your vehicle triggered the accident. It also protects the business in that its owner will not sustain the additional expense of vehicle repair or even fleet replacement no matter who triggered the accident.
Thus, it’s a no-brainer that commercial auto insurance coverage is mandatory for any business that runs an automobile throughout its operations.