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 Portola, 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 Experts Near Me In Portola 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 Portola CA 96122. 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 Portola relies on its cars for transportation, then commercial auto insurance is needed. Big companies with large fleets, along with 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 used 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 types of vehicles used by the business, from small cars to heavy commercial trucks (including vans, food trucks, box trucks and service utility vehicles– SUVs). The insurance coverage in Portola might also be referred to as fleet insurance or truck insurance.
Considering that personal cars are not meant for business usage, they are rated and written off in a different way from the automobiles used commercially. The compensation plans also differ in between personal and commercial auto insurance coverage.
For example, the plan takes in account the commercial cars are managed by licensed workers in Portola CA who are governed by work policies with regards to the automobiles. This helps the insurance provider know when and who to appropriate the blame in case of mishaps, damages, as well as death.
What Commercial Auto Insurance Includes
The commercial auto insurance policy includes numerous types of coverage.
• Bodily injury liability: this kind of coverage pays for bodily injury or death, as well as 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 may also get legal defense.
• Accident protection: This insurance coverage pays for the medical expenses of the residents in the event of an accident, 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 an extent, property damage triggered by an uninsured driver (or in most cases, a hit-and-run driver).
Other Areas Covered By the Policy
• Integrated single limit coverage (CSL): This is a coverage that offers different limits that make an application for bodily injury and property damage. It has the same quantity of coverage (in regards to money) that requests either bodily injury, property damage, or whether one or more individuals were involved in the accident.
• Crash coverage: This coverage pays for your vehicle when it is hit by another object, or when it triggered 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 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 mishap.
Hence, it’s a no-brainer that commercial auto insurance coverage is obligatory for any business that runs an automobile throughout its operations.