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 Greenbrae, 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 Experts Near Me In Greenbrae 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 Greenbrae CA 94904. 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 Greenbrae relies on its vehicles for transportation, then commercial auto insurance is required. Big companies with large fleets, as well as small businesses with single automobiles require 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, cars that are utilized for business functions. The insurance covers for damages, injuries, and liabilities incurred throughout the use of the vehicles.
What Is Covered?
The commercial vehicle insurance plan covers all types of cars used by the business, from small automobiles to heavy commercial trucks (including vans, food trucks, box trucks and service utility automobiles– SUVs). The insurance coverage in Greenbrae might also be referred to as fleet insurance or truck insurance.
Because personal automobiles are not meant for business usage, they are rated and written off differently from the vehicles utilized commercially. The compensation plans also differ in between personal and commercial auto insurance coverage.
For example, the plan takes in account the commercial automobiles are handled by authorized staff members in Greenbrae 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 accidents, damages, as well as death.
What Commercial Auto Insurance Includes
The commercial auto insurance coverage comes with different types of protection.
• Physical injury liability: this kind of coverage pays for physical 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 harms another person’s property in the course of business. You may also get legal defense.
• Personal injury protection: This insurance coverage pays for the medical expenditures of the residents in case of an accident, no matter 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 an extent, property damage caused by an uninsured chauffeur (or in most cases, a hit-and-run driver).
Other Areas Covered By the Policy
• Combined single limitation coverage (CSL): This is a coverage that provides different limits that request physical injury and property damage. It has the same quantity of coverage (in terms of money) that obtains either physical injury, property damage, or whether several people were involved in the mishap.
• Collision coverage: This coverage pays for your vehicle when it is struck by another item, or when it triggered 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 type of insurance coverage is meant to protect your business from expensive suits in case your vehicle caused the mishap. It also protects the business in that its owner will not incur the additional 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 obligatory for any business that runs an automobile throughout its operations.