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 Raymond, 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 Raymond 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 Raymond CA 93653. 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 Raymond relies on its automobiles for transportation, then commercial auto insurance is needed. Big companies with large fleets, as well as small businesses with single cars need the insurance plan in place.
The commercial auto insurance policy is an insurance plan that covers cars 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 sustained during the use of the vehicles.
What Is Covered?
The commercial vehicle insurance plan covers all types of cars utilized by the business, from small automobiles to heavy commercial trucks (including vans, food trucks, box trucks and service utility vehicles– SUVs). The insurance coverage in Raymond might also be referred to as fleet insurance or truck insurance.
Considering that individual cars are not meant for business use, they are rated and written off differently from the vehicles utilized commercially. The compensation plans also vary between individual and commercial auto insurance plans.
For example, the plan takes in account the commercial automobiles are dealt with by authorized workers in Raymond CA who are governed by work policies with regards to the cars. This helps the insurance company know when and who to appropriate the blame in case of accidents, damages, and even death.
What Commercial Auto Insurance Includes
The commercial auto insurance plan features different kinds of protection.
• Bodily injury liability: this type of coverage pays for physical injury or death, along with providing 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.
• Personal injury coverage: This insurance coverage pays for the medical expenditures of the occupants in case of a mishap, regardless of who is at fault. It is also known as the no-fault or medical payments coverage.
• Uninsured motorist coverage: This coverage pays for the injuries and to a degree, property damage triggered by an uninsured motorist (or most of the times, a hit-and-run motorist).
Other Areas Covered By the Policy
• Combined single limit coverage (CSL): This is a coverage that offers separate limits that request physical injury and property damage. It has the same quantity of coverage (in terms of cash) that gets either bodily injury, property damage, or whether several individuals were involved in the mishap.
• Crash coverage: This coverage pays for your vehicle when it is hit by another item, 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 pricey lawsuits in case your vehicle triggered the accident. It also protects the business in that its owner will not incur the additional cost of vehicle repair or perhaps 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.