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 Greenfield, 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 Greenfield 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 Greenfield CA 93927. 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 Greenfield relies on its vehicles for transport, then commercial auto insurance is required. Big companies with large fleets, as well as small businesses with single vehicles need the insurance plan in place.
The commercial auto insurance coverage is an insurance plan that covers automobiles 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 during the use of the cars.
What Is Covered?
The commercial vehicle insurance plan covers all kinds of vehicles used by the business, from small cars to heavy commercial trucks (including vans, food trucks, box trucks and service utility vehicles– SUVs). The insurance coverage in Greenfield 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 between personal and commercial auto insurance coverage.
For example, the plan takes in account the commercial cars are managed by licensed employees in Greenfield CA who are governed by work policies with regards to the cars. This helps the insurance company know when and who to appropriate the blame in case of mishaps, damages, and even death.
What Commercial Auto Insurance Consists Of
The commercial auto insurance plan features different kinds of coverage.
• Bodily injury liability: this type of coverage pays for physical injury or death, in addition to supplying 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 coverage: This insurance coverage pays for the medical expenditures of the residents in the event of an accident, no matter who is at fault. It is also referred to 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 driver (or most of the times, a hit-and-run motorist).
Other Areas Covered By the Policy
• Combined single limitation coverage (CSL): This is a coverage that provides separate limits that apply for bodily injury and property damage. It has the same amount of coverage (in terms of cash) that looks for either physical injury, property damage, or whether one or more people were involved in the mishap.
• Collision coverage: This coverage pays for your vehicle when it is hit by another object, or when it caused the collision.
• 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 expensive lawsuits in case your vehicle triggered the mishap. It also protects the business in that its owner won’t sustain the additional cost of vehicle repair and even fleet replacement no matter who triggered the accident.
Hence, it’s a no-brainer that commercial auto insurance coverage is mandatory for any business that runs an automobile throughout its operations.