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 Fremont, 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 Fremont 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 Fremont CA 94536. 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 Fremont depends on its vehicles for transport, then commercial auto insurance is needed. Big companies with large fleets, along with small businesses with single vehicles need the insurance plan in place.
The commercial auto insurance plan is an insurance plan that covers cars 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 incurred during the use of the automobiles.
What Is Covered?
The commercial vehicle insurance plan covers all kinds of automobiles utilized by the business, from small automobiles to heavy commercial trucks (including vans, food trucks, box trucks and service energy automobiles– SUVs). The insurance coverage in Fremont might also be referred to as fleet insurance or truck insurance.
Considering that personal automobiles are not meant for business use, they are rated and written off in a different way from the cars used commercially. The compensation plans also differ in between individual and commercial auto insurance plans.
For example, the plan takes in account the commercial vehicles are managed by licensed employees in Fremont CA who are governed by work policies with regards to the cars. This helps the insurance provider know when and who to appropriate the blame in case of mishaps, damages, as well as death.
What Commercial Auto Insurance Includes
The commercial auto insurance coverage includes numerous kinds of coverage.
• Physical injury liability: this type of coverage pays for physical injury or death, as well as supplying with legal defense if your business is at fault.
• Property damage liability coverage: This coverage protects you in case the vehicle damages another person’s property in the course of business. You may also get legal defense.
• Accident protection: This insurance coverage pays for the medical expenditures of the occupants in the event of a mishap, no matter who is at fault. It is also known as 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 chauffeur (or in most cases, a hit-and-run driver).
Other Areas Covered By the Policy
• Integrated single limit coverage (CSL): This is a coverage that offers separate limitations that look for bodily injury and property damage. It has the same quantity of coverage (in terms of cash) that applies for either physical injury, property damage, or whether one or more people were involved in the mishap.
• Accident 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 kind 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 will not sustain the additional cost of vehicle repair or even fleet replacement no matter who caused the accident.
Thus, it’s a no-brainer that commercial auto insurance coverage is necessary for any business that operates an automobile during its operations.