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 El Portal, 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 El Portal 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 El Portal CA 95318. 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 El Portal relies on its automobiles for transport, then commercial auto insurance is needed. Huge companies with large fleets, along with small businesses with single vehicles require the insurance plan in place.
The commercial auto insurance policy is an insurance plan that covers cars that are not covered by personal auto insurance plans, that is, vehicles that are utilized for business purposes. The insurance covers for damages, injuries, and liabilities incurred throughout the use of the automobiles.
What Is Covered?
The commercial vehicle insurance plan covers all kinds of cars utilized 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 El Portal might also be referred to as fleet insurance or truck insurance.
Considering that individual automobiles are not meant for business use, they are rated and written off in a different way from the vehicles utilized commercially. The compensation plans also vary between individual and commercial auto insurance plans.
For example, the plan takes in account the commercial vehicles are handled by licensed staff members in El Portal 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, as well as death.
What Commercial Auto Insurance Consists Of
The commercial auto insurance policy includes different kinds of coverage.
• Physical injury liability: this kind of coverage pays for physical 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 harms another individual’s property in the course of business. You may also get legal defense.
• Accident coverage: This insurance coverage pays for the medical expenses of the occupants in the event of a mishap, no matter 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 an extent, property damage triggered by an uninsured driver (or in most cases, a hit-and-run motorist).
Other Areas Covered By the Policy
• Combined single limit coverage (CSL): This is a coverage that offers different limitations that look for physical injury and property damage. It has the same amount of protection (in terms of cash) that applies for either bodily injury, property damage, or whether several individuals 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 accident.
• 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 kind 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 incur the extra expense of vehicle repair or even fleet replacement no matter who caused the mishap.
Thus, it’s a no-brainer that commercial auto insurance coverage is obligatory for any business that runs an automobile throughout its operations.