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 Mill Valley, 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 Mill Valley 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 Mill Valley CA 94941. 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 Mill Valley depends on its automobiles for transportation, then commercial auto insurance is required. Big companies with large fleets, along with small businesses with single cars need the insurance plan in place.
The commercial auto insurance plan is an insurance plan that covers automobiles that are not covered by personal auto insurance plans, that is, cars that are used for business functions. The insurance covers for damages, injuries, and liabilities sustained during the use of the automobiles.
What Is Covered?
The commercial vehicle insurance plan covers all types of cars utilized by the business, from small vehicles to heavy commercial trucks (including vans, food trucks, box trucks and service energy vehicles– SUVs). The insurance coverage in Mill Valley may also be referred to as fleet insurance or truck insurance.
Because individual cars are not meant for business use, they are rated and written off in a different way from the cars utilized commercially. The compensation plans also vary between individual and commercial auto insurance policies.
For example, the plan takes in account the commercial vehicles are managed by authorized employees in Mill Valley CA who are governed by work policies with regards to the vehicles. This helps the insurance provider 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 includes various types of coverage.
• Bodily injury liability: this kind 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 damages another individual’s property in the course of business. You might also get legal defense.
• Accident protection: This insurance coverage pays for the medical expenditures of the occupants in case of a mishap, no matter who is at fault. It is also referred to as the no-fault or medical payments coverage.
• Uninsured motorist coverage: This coverage pays for the injuries and to a degree, property damage brought on by an uninsured driver (or for the most parts, a hit-and-run chauffeur).
Other Areas Covered By the Policy
• Combined single limit coverage (CSL): This is a coverage that offers different limits that request bodily injury and property damage. It has the same amount of coverage (in regards to money) that makes an application for either physical injury, property damage, or whether several individuals were involved in the accident.
• Crash coverage: This coverage pays for your vehicle when it is struck by another item, 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 safeguard your business from costly lawsuits in case your vehicle caused the accident. It also protects the business in that its owner will not incur the extra cost of vehicle repair or perhaps fleet replacement regardless of who caused the accident.
Thus, it’s a no-brainer that commercial auto insurance coverage is necessary for any business that operates an automobile throughout its operations.