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 Orinda, 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 Orinda 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 Orinda CA 94563. 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 Orinda relies on its vehicles for transport, then commercial auto insurance is needed. Big companies with large fleets, as well as small businesses with single automobiles require the insurance plan in place.
The commercial auto insurance policy is an insurance plan that covers cars that are not covered by personal auto insurance plans, that is, vehicles that are used for business purposes. The insurance covers for damages, injuries, and liabilities incurred during the use of the automobiles.
What Is Covered?
The commercial vehicle insurance plan covers all types of vehicles used by the business, from small vehicles to heavy commercial trucks (including vans, food trucks, box trucks and service utility cars– SUVs). The insurance coverage in Orinda may also be referred to as fleet insurance or truck insurance.
Since individual automobiles are not meant for business use, they are rated and written off in a different way from the vehicles used commercially. The compensation plans also differ between individual and commercial auto insurance plans.
For instance, the plan takes in account the commercial cars are managed by authorized staff members in Orinda CA who are governed by work policies with regards to the vehicles. This helps the insurance company know when and who to appropriate the blame in case of mishaps, damages, as well as death.
What Commercial Auto Insurance Consists Of
The commercial auto insurance plan includes numerous types of protection.
• Physical injury liability: this type of coverage pays for bodily injury or death, along with offering 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.
• Injury protection: This insurance coverage pays for the medical expenses of the residents in the event of a mishap, no matter 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 a degree, property damage brought on by an uninsured driver (or most of the times, a hit-and-run chauffeur).
Other Areas Covered By the Policy
• Integrated single limit coverage (CSL): This is a coverage that provides separate limitations that get physical injury and property damage. It has the same quantity of coverage (in regards to cash) that looks for either bodily injury, property damage, or whether several individuals were involved in the accident.
• Collision coverage: This coverage pays for your vehicle when it is hit by another object, or when it caused the crash.
• 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 mishap. It also protects the business in that its owner won’t sustain the extra cost of vehicle repair and even fleet replacement no matter who triggered the accident.
Therefore, it’s a no-brainer that commercial auto insurance coverage is obligatory for any business that operates an automobile throughout its operations.