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 Novato, 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 Novato 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 Novato CA 94945. 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 Novato counts on its vehicles for transport, then commercial auto insurance is required. Big companies with large fleets, in addition to small businesses with single cars need the insurance plan in place.
The commercial auto insurance coverage is an insurance plan that covers automobiles that are not covered by individual auto insurance plans, that is, cars that are utilized for business functions. The insurance covers for damages, injuries, and liabilities sustained during the use of the vehicles.
What Is Covered?
The commercial vehicle insurance plan covers all kinds of automobiles used 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 Novato might 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 between individual and commercial auto insurance policies.
For example, the plan takes in account the commercial vehicles are handled by authorized staff members in Novato CA who are governed by work policies with regards to the cars. 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 policy includes numerous kinds 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 harms another person’s property in the course of business. You might also get legal defense.
• Accident coverage: This insurance coverage pays for the medical expenditures of the residents in the event of a mishap, regardless of who is at fault. It is also referred to as the no-fault or medical payments coverage.
• Uninsured driver coverage: This coverage pays for the injuries and to a degree, property damage triggered by an uninsured chauffeur (or for the most parts, a hit-and-run chauffeur).
Other Areas Covered By the Policy
• Combined single limitation coverage (CSL): This is a coverage that provides different limits that make an application for physical injury and property damage. It has the same amount of coverage (in terms of money) that requests either bodily injury, property damage, or whether one or more people were involved in the mishap.
• Collision coverage: This coverage pays for your vehicle when it is hit by another object, 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 type of insurance coverage is meant to safeguard your business from pricey claims in case your vehicle caused the accident. It also protects the business in that its owner will not sustain the extra expense of vehicle repair and even fleet replacement despite who caused the accident.
Hence, it’s a no-brainer that commercial auto insurance coverage is obligatory for any business that runs an automobile during its operations.