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 Durham, 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 Durham 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 Durham CA 95938. 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 Durham counts on its automobiles for transportation, then commercial auto insurance is needed. Big companies with big fleets, as well as small businesses with single cars 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, vehicles that are utilized 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 cars used by the business, from small cars to heavy commercial trucks (including vans, food trucks, box trucks and service energy cars– SUVs). The insurance coverage in Durham may also be referred to as fleet insurance or truck insurance.
Given that individual vehicles are not meant for business usage, they are rated and written off differently from the automobiles utilized commercially. The compensation plans also differ in between individual and commercial auto insurance plans.
For example, the plan takes in account the commercial automobiles are handled by authorized employees in Durham 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 Consists Of
The commercial auto insurance policy includes different types of protection.
• Physical injury liability: this type of coverage pays for physical injury or death, along with providing 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.
• Injury protection: This insurance coverage pays for the medical expenditures of the occupants in case of a mishap, regardless of who is at fault. It is also called the no-fault or medical payments coverage.
• Uninsured motorist coverage: This coverage pays for the injuries and to a degree, property damage caused by an uninsured driver (or for the most parts, 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 bodily injury and property damage. It has the same quantity of coverage (in regards to cash) that gets either bodily 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 object, or when it triggered the crash.
• 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 expensive lawsuits in case your vehicle triggered the mishap. It also protects the business in that its owner won’t incur the additional cost of vehicle repair or perhaps fleet replacement no matter who triggered the mishap.
Thus, it’s a no-brainer that commercial auto insurance coverage is compulsory for any business that runs an automobile during its operations.