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 Castro Valley, 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 Castro Valley 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 Castro Valley CA 94546. 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 Castro Valley depends on its vehicles for transport, then commercial auto insurance is required. Big companies with big fleets, along with 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 individual auto insurance plans, that is, cars that are utilized for business functions. The insurance covers for damages, injuries, and liabilities sustained during the use of the automobiles.
What Is Covered?
The commercial vehicle insurance plan covers all kinds of vehicles used by the business, from small vehicles to heavy commercial trucks (including vans, food trucks, box trucks and service utility automobiles– SUVs). The insurance coverage in Castro Valley might also be referred to as fleet insurance or truck insurance.
Because individual vehicles are not meant for business use, they are rated and written off in a different way from the cars utilized commercially. The compensation plans also vary in between individual and commercial auto insurance plans.
For example, the plan takes in account the commercial automobiles are handled by authorized employees in Castro Valley CA who are governed by work policies with regards to the vehicles. This helps the insurance company 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 policy features different kinds of coverage.
• Bodily injury liability: this type of coverage pays for bodily injury or death, as well as offering with legal defense if your business is at fault.
• Property damage liability coverage: This coverage protects you in case the vehicle harms another person’s property in the course of business. You might also get legal defense.
• Accident protection: This insurance coverage pays for the medical costs of the residents in case of a mishap, 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 triggered by an uninsured chauffeur (or for the most parts, a hit-and-run driver).
Other Areas Covered By the Policy
• Combined single limit coverage (CSL): This is a coverage that offers different limits that request physical injury and property damage. It has the same quantity of protection (in terms of money) that requests either physical injury, property damage, or whether several individuals were involved in the mishap.
• Crash coverage: This coverage pays for your vehicle when it is hit by another object, 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 type of insurance coverage is meant to safeguard your business from pricey lawsuits in case your vehicle triggered the mishap. It also protects the business in that its owner won’t incur the extra expense of vehicle repair or perhaps fleet replacement despite who caused the mishap.
Therefore, it’s a no-brainer that commercial auto insurance coverage is compulsory for any business that runs an automobile throughout its operations.