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 Cloverdale, 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 Cloverdale 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 Cloverdale CA 95425. 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
Comprehending What Commercial Auto Insurance Is
If your business in Cloverdale counts on its cars for transport, then commercial auto insurance is required. Big companies with big fleets, along with small businesses with single vehicles require the insurance plan in place.
The commercial auto insurance coverage is an insurance plan that covers cars 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 during the use of the vehicles.
What Is Covered?
The commercial vehicle insurance plan covers all kinds of cars used by the business, from small cars and trucks to heavy commercial trucks (including vans, food trucks, box trucks and service utility vehicles– SUVs). The insurance coverage in Cloverdale might also be referred to as fleet insurance or truck insurance.
Because individual cars are not meant for business usage, they are rated and written off differently from the cars used commercially. The compensation plans also vary between individual and commercial auto insurance policies.
For instance, the plan takes in account the commercial cars are handled by licensed staff members in Cloverdale CA who are governed by work policies with regards to the automobiles. This helps the insurer know when and who to appropriate the blame in case of mishaps, damages, and even death.
What Commercial Auto Insurance Consists Of
The commercial auto insurance plan comes with various types of coverage.
• Physical injury liability: this kind of coverage pays for bodily injury or death, in addition to providing with legal defense if your business is at fault.
• Property damage liability coverage: This coverage protects you in case the vehicle damages 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 occupants in case of an accident, no matter 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 an extent, property damage caused by an uninsured driver (or in most cases, a hit-and-run motorist).
Other Areas Covered By the Policy
• Combined single limitation coverage (CSL): This is a coverage that provides separate limitations that request physical injury and property damage. It has the same amount of protection (in terms of money) that requests either bodily injury, property damage, or whether one or more individuals were involved in the accident.
• Collision coverage: This coverage pays for your vehicle when it is hit by another object, or when it caused the accident.
• 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 protect your business from costly claims in case your vehicle triggered the accident. It also protects the business in that its owner will not sustain the extra cost of vehicle repair and even fleet replacement no matter who caused the accident.
Hence, it’s a no-brainer that commercial auto insurance coverage is obligatory for any business that operates an automobile throughout its operations.