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 North Hills, 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 Agency Near Me In North Hills 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 North Hills CA 91343. 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 North Hills counts on its automobiles for transportation, then commercial auto insurance is needed. Huge companies with big fleets, as well as small businesses with single cars need the insurance plan in place.
The commercial auto insurance plan is an insurance plan that covers cars that are not covered by personal auto insurance plans, that is, vehicles that are utilized for business purposes. The insurance covers for damages, injuries, and liabilities sustained during the use of the cars.
What Is Covered?
The commercial vehicle insurance plan covers all kinds of cars utilized by the business, from small cars to heavy commercial trucks (including vans, food trucks, box trucks and service utility cars– SUVs). The insurance coverage in North Hills might also be referred to as fleet insurance or truck insurance.
Considering that individual vehicles are not meant for business use, they are rated and written off differently from the automobiles used commercially. The compensation plans also differ in between individual and commercial auto insurance coverage.
For example, the plan takes in account the commercial automobiles are handled by authorized workers in North Hills 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 Consists Of
The commercial auto insurance plan features numerous kinds of protection.
• Bodily injury liability: this type 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 person’s property in the course of business. You might also get legal defense.
• Injury protection: This insurance coverage pays for the medical costs of the occupants in the event of an accident, regardless of who is at fault. It is also known as the no-fault or medical payments coverage.
• Uninsured vehicle driver coverage: This coverage pays for the injuries and to an extent, property damage triggered by an uninsured motorist (or for the most parts, a hit-and-run driver).
Other Areas Covered By the Policy
• Integrated single limitation coverage (CSL): This is a coverage that offers different limits that look for physical injury and property damage. It has the same amount of protection (in terms of cash) that makes an application for either bodily injury, property damage, or whether one or more individuals were involved in the mishap.
• Collision 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 kind of insurance coverage is meant to protect your business from costly 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 or perhaps fleet replacement no matter who caused the accident.
Thus, it’s a no-brainer that commercial auto insurance coverage is obligatory for any business that operates an automobile during its operations.