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 Gilroy, 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 Specialists Near Me In Gilroy 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 Gilroy CA 95020. 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 Gilroy depends on its vehicles for transport, then commercial auto insurance is required. Big companies with large fleets, as well as small businesses with single automobiles need the insurance plan in place.
The commercial auto insurance policy is an insurance plan that covers automobiles 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 sustained during the use of the cars.
What Is Covered?
The commercial vehicle insurance plan covers all types of automobiles used by the business, from small automobiles to heavy commercial trucks (including vans, food trucks, box trucks and service energy vehicles– SUVs). The insurance coverage in Gilroy may also be referred to as fleet insurance or truck insurance.
Given that individual cars 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 personal and commercial auto insurance plans.
For example, the plan takes in account the commercial vehicles are managed by licensed employees in Gilroy 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 accidents, damages, as well as death.
What Commercial Auto Insurance Consists Of
The commercial auto insurance plan comes with different kinds of protection.
• Bodily injury liability: this kind of coverage pays for bodily injury or death, as well as offering 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.
• Personal injury protection: This insurance coverage pays for the medical expenditures of the occupants in the event of an accident, despite who is at fault. It is also known as the no-fault or medical payments coverage.
• Uninsured vehicle driver coverage: This coverage pays for the injuries and to a degree, property damage triggered by an uninsured motorist (or in many cases, a hit-and-run chauffeur).
Other Areas Covered By the Policy
• Combined single limit coverage (CSL): This is a coverage that provides different limits that obtain bodily injury and property damage. It has the same quantity of protection (in regards to cash) that makes an application 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 safeguard your business from pricey suits in case your vehicle caused the mishap. It also protects the business in that its owner won’t sustain the extra cost of vehicle repair and even fleet replacement despite who caused the mishap.
Thus, it’s a no-brainer that commercial auto insurance coverage is necessary for any business that operates an automobile during its operations.