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 Palo Alto, 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 Palo Alto 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 Palo Alto CA 94301. 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 Palo Alto counts on its cars for transportation, then commercial auto insurance is required. Big companies with large fleets, in addition to small businesses with single vehicles need the insurance plan in place.
The commercial auto insurance plan is an insurance plan that covers vehicles that are not covered by individual auto insurance plans, that is, automobiles that are utilized for business functions. The insurance covers for damages, injuries, and liabilities incurred throughout the use of the vehicles.
What Is Covered?
The commercial vehicle insurance plan covers all types of automobiles used by the business, from small cars and trucks to heavy commercial trucks (including vans, food trucks, box trucks and service energy vehicles– SUVs). The insurance coverage in Palo Alto might also be referred to as fleet insurance or truck insurance.
Given that personal automobiles are not meant for business use, they are rated and written off differently from the cars utilized commercially. The compensation plans also vary in between personal and commercial auto insurance plans.
For example, the plan takes in account the commercial vehicles are managed by licensed staff members in Palo Alto 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, as well as death.
What Commercial Auto Insurance Consists Of
The commercial auto insurance plan comes with different types 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 individual’s property in the course of business. You might also get legal defense.
• Injury coverage: This insurance coverage pays for the medical costs of the occupants in the event of an accident, no matter who is at fault. It is also called the no-fault or medical payments coverage.
• Uninsured motorist coverage: This coverage pays for the injuries and to an extent, property damage caused by an uninsured driver (or in many cases, a hit-and-run chauffeur).
Other Areas Covered By the Policy
• Combined single limit coverage (CSL): This is a coverage that provides separate limitations that apply for physical injury and property damage. It has the same quantity of coverage (in terms of cash) that looks for either bodily injury, property damage, or whether one or more individuals were involved in the mishap.
• Accident coverage: This coverage pays for your vehicle when it is hit by another object, or when it triggered 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 expensive suits in case your vehicle caused the mishap. It also protects the business in that its owner won’t sustain the additional cost of vehicle repair or perhaps fleet replacement regardless of who caused the accident.
Hence, it’s a no-brainer that commercial auto insurance coverage is mandatory for any business that operates an automobile during its operations.