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 Moss Landing, 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 Moss Landing 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 Moss Landing CA 95039. 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 Moss Landing counts on its automobiles for transportation, then commercial auto insurance is required. Huge companies with big fleets, as well as small businesses with single automobiles need the insurance plan in place.
The commercial auto insurance coverage is an insurance plan that covers cars that are not covered by individual auto insurance plans, that is, automobiles that are utilized for business purposes. 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 vehicles used by the business, from small cars to heavy commercial trucks (including vans, food trucks, box trucks and service utility automobiles– SUVs). The insurance coverage in Moss Landing may 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 in a different way from the cars used commercially. The compensation plans also differ in between individual and commercial auto insurance policies.
For example, the plan takes in account the commercial cars are handled by authorized workers in Moss Landing 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 mishaps, damages, and even death.
What Commercial Auto Insurance Includes
The commercial auto insurance policy includes various kinds of protection.
• Physical injury liability: this kind of coverage pays for bodily injury or death, along with providing 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 might also get legal defense.
• Personal injury protection: This insurance coverage pays for the medical costs of the residents in the event of a mishap, regardless of who is at fault. It is also called the no-fault or medical payments coverage.
• Uninsured vehicle driver coverage: This coverage pays for the injuries and to a degree, property damage brought on by an uninsured chauffeur (or in most cases, a hit-and-run chauffeur).
Other Areas Covered By the Policy
• Combined single limitation coverage (CSL): This is a coverage that provides different limitations that get physical injury and property damage. It has the same amount of coverage (in terms of cash) that requests either bodily 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 caused 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 kind of insurance coverage is meant to safeguard your business from expensive suits in case your vehicle caused the accident. It also protects the business in that its owner won’t sustain the additional expense of vehicle repair or even fleet replacement despite who triggered the mishap.
Hence, it’s a no-brainer that commercial auto insurance coverage is necessary for any business that operates an automobile throughout its operations.