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 Kelseyville, 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 Kelseyville 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 Kelseyville CA 95451. 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 Kelseyville depends on its automobiles for transportation, then commercial auto insurance is needed. Huge companies with big fleets, along with small businesses with single cars require the insurance plan in place.
The commercial auto insurance coverage is an insurance plan that covers vehicles that are not covered by individual auto insurance plans, that is, cars that are used 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 automobiles utilized by the business, from small vehicles to heavy commercial trucks (including vans, food trucks, box trucks and service utility automobiles– SUVs). The insurance coverage in Kelseyville may also be referred to as fleet insurance or truck insurance.
Since personal automobiles are not meant for business use, they are rated and written off differently from the automobiles used commercially. The compensation plans also differ between individual and commercial auto insurance policies.
For example, the plan takes in account the commercial cars are managed by authorized staff members in Kelseyville CA who are governed by work policies with regards to the vehicles. This helps the insurer 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 coverage comes with various types of coverage.
• Physical injury liability: this type 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 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 residents in case of a mishap, no matter who is at fault. It is also called the no-fault or medical payments coverage.
• Uninsured driver coverage: This coverage pays for the injuries and to an extent, property damage brought on by an uninsured chauffeur (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 provides separate limits that request physical injury and property damage. It has the same quantity of protection (in terms of money) that applies for either physical injury, property damage, or whether one or more individuals were involved in the mishap.
• Crash coverage: This coverage pays for your vehicle when it is struck by another object, or when it triggered the crash.
• Comprehensive physical damage coverage: This coverage pays for the vehicle in case of other uncontrollable instances like floods, fire, vandalism, and theft.
In Essence
This type of insurance coverage is meant to safeguard your business from expensive suits in case your vehicle triggered the accident. It also protects the business in that its owner won’t incur the extra cost of vehicle repair or even fleet replacement no matter who caused the mishap.
Hence, it’s a no-brainer that commercial auto insurance coverage is mandatory for any business that operates an automobile throughout its operations.