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 Concord, 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 Company Near Me In Concord 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 Concord CA 94518. 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 Concord 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 vehicles that are not covered by personal auto insurance plans, that is, automobiles that are used for business purposes. The insurance covers for damages, injuries, and liabilities sustained during the use of the cars.
What Is Covered?
The commercial vehicle insurance plan covers all kinds of cars utilized by the business, from small cars and trucks to heavy commercial trucks (including vans, food trucks, box trucks and service energy cars– SUVs). The insurance coverage in Concord might also be referred to as fleet insurance or truck insurance.
Since personal cars 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 personal and commercial auto insurance coverage.
For instance, the plan takes in account the commercial vehicles are dealt with by authorized staff members in Concord CA who are governed by work policies with regards to the vehicles. This helps the insurer know when and who to appropriate the blame in case of accidents, damages, as well as death.
What Commercial Auto Insurance Includes
The commercial auto insurance plan includes numerous types of protection.
• Physical injury liability: this kind 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 damages 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 expenditures of the residents in the event of a mishap, regardless of 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 a degree, property damage brought on by an uninsured driver (or most of the times, a hit-and-run motorist).
Other Areas Covered By the Policy
• Integrated single limit coverage (CSL): This is a coverage that offers different limits that look for physical injury and property damage. It has the same quantity of protection (in regards to money) that looks for either physical injury, property damage, or whether several people were involved in the mishap.
• Crash coverage: This coverage pays for your vehicle when it is struck by another object, 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 protect your business from pricey claims in case your vehicle caused the accident. It also protects the business in that its owner won’t sustain the additional cost of vehicle repair and even fleet replacement regardless of who caused the mishap.
Thus, it’s a no-brainer that commercial auto insurance coverage is necessary for any business that operates an automobile throughout its operations.