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 Hayward, 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 Hayward 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 Hayward CA 94540. 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 Hayward depends on its cars for transportation, then commercial auto insurance is needed. Huge companies with large fleets, in addition to small businesses with single automobiles require 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, cars that are utilized for business purposes. The insurance covers for damages, injuries, and liabilities sustained throughout the use of the automobiles.
What Is Covered?
The commercial vehicle insurance plan covers all kinds of automobiles utilized by the business, from small cars and trucks to heavy commercial trucks (including vans, food trucks, box trucks and service utility vehicles– SUVs). The insurance coverage in Hayward might also be referred to as fleet insurance or truck insurance.
Given that individual cars are not meant for business use, they are rated and written off differently from the vehicles used commercially. The compensation plans also differ between individual and commercial auto insurance coverage.
For example, the plan takes in account the commercial cars are managed by licensed staff members in Hayward CA who are governed by work policies with regards to the automobiles. This helps the insurance company know when and who to appropriate the blame in case of accidents, damages, and even death.
What Commercial Auto Insurance Consists Of
The commercial auto insurance policy features various types of coverage.
• Physical injury liability: this type of coverage pays for physical injury or death, along with offering 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 coverage: This insurance coverage pays for the medical expenses of the residents in the event of a mishap, regardless of who is at fault. It is also known as the no-fault or medical payments coverage.
• Uninsured driver coverage: This coverage pays for the injuries and to a degree, property damage caused by an uninsured motorist (or most of the times, a hit-and-run motorist).
Other Areas Covered By the Policy
• Combined single limit coverage (CSL): This is a coverage that offers different limits that make an application for bodily injury and property damage. It has the same amount of coverage (in regards to cash) that looks for either bodily injury, property damage, or whether several individuals were involved in the accident.
• Accident 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 won’t incur the extra expense of vehicle repair or even fleet replacement regardless of who caused the mishap.
Therefore, it’s a no-brainer that commercial auto insurance coverage is compulsory for any business that operates an automobile throughout its operations.