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 Hercules, 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 Hercules 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 Hercules CA 94547. 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 Hercules relies on its automobiles for transport, then commercial auto insurance is required. Big companies with big fleets, in addition to small businesses with single cars require the insurance plan in place.
The commercial auto insurance coverage is an insurance plan that covers cars that are not covered by personal auto insurance plans, that is, vehicles that are utilized for business functions. The insurance covers for damages, injuries, and liabilities incurred during the use of the vehicles.
What Is Covered?
The commercial vehicle insurance plan covers all types of cars utilized 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 Hercules may also be referred to as fleet insurance or truck insurance.
Since personal cars are not meant for business use, they are rated and written off in a different way from the automobiles used commercially. The compensation plans also differ in between individual and commercial auto insurance coverage.
For instance, the plan takes in account the commercial cars are dealt with by licensed workers in Hercules CA who are governed by work policies with regards to the vehicles. 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 Includes
The commercial auto insurance plan comes with different types of protection.
• Bodily injury liability: this kind of coverage pays for bodily 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.
• Accident coverage: This insurance coverage pays for the medical expenditures of the residents in the event of a mishap, despite 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 an extent, property damage caused by an uninsured motorist (or in many cases, a hit-and-run driver).
Other Areas Covered By the Policy
• Combined single limitation coverage (CSL): This is a coverage that provides separate limitations that apply for bodily injury and property damage. It has the same quantity of protection (in terms of money) that obtains either bodily injury, property damage, or whether several people were involved in the mishap.
• Accident coverage: This coverage pays for your vehicle when it is struck by another object, 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 kind of insurance coverage is meant to safeguard your business from expensive lawsuits in case your vehicle caused the mishap. It also protects the business in that its owner will not sustain the additional cost of vehicle repair and even fleet replacement no matter who triggered the mishap.
Hence, it’s a no-brainer that commercial auto insurance coverage is compulsory for any business that runs an automobile during its operations.