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 Redondo Beach, 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 Redondo Beach 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 Redondo Beach CA 90277. 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 Redondo Beach relies on its automobiles for transport, then commercial auto insurance is needed. Big companies with large fleets, in addition to small businesses with single automobiles need 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, cars that are utilized 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 cars utilized by the business, from small cars and trucks to heavy commercial trucks (including vans, food trucks, box trucks and service energy automobiles– SUVs). The insurance coverage in Redondo Beach may also be referred to as fleet insurance or truck insurance.
Because individual vehicles are not meant for business usage, they are rated and written off differently from the automobiles utilized commercially. The compensation plans also differ between individual and commercial auto insurance plans.
For instance, the plan takes in account the commercial automobiles are dealt with by licensed workers in Redondo Beach 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, and even death.
What Commercial Auto Insurance Includes
The commercial auto insurance policy features various types of protection.
• Physical injury liability: this kind of coverage pays for bodily injury or death, along with 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 may also get legal defense.
• Injury coverage: This insurance coverage pays for the medical expenditures of the occupants 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 brought on by an uninsured chauffeur (or in most cases, a hit-and-run motorist).
Other Areas Covered By the Policy
• Integrated single limitation coverage (CSL): This is a coverage that provides separate limits that obtain physical injury and property damage. It has the same quantity of protection (in regards to money) that obtains either physical injury, property damage, or whether one or more people 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 protect your business from costly claims 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 no matter who triggered the mishap.
Thus, it’s a no-brainer that commercial auto insurance coverage is compulsory for any business that operates an automobile throughout its operations.