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 Redwood Estates, 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 Specialists Near Me In Redwood Estates 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 Redwood Estates CA 95044. 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 Redwood Estates relies on its cars for transportation, then commercial auto insurance is needed. Big companies with big fleets, in addition to small businesses with single cars need the insurance plan in place.
The commercial auto insurance coverage is an insurance plan that covers cars that are not covered by individual auto insurance plans, that is, vehicles that are utilized for business functions. The insurance covers for damages, injuries, and liabilities incurred throughout the use of the automobiles.
What Is Covered?
The commercial vehicle insurance plan covers all kinds of cars utilized by the business, from small automobiles to heavy commercial trucks (including vans, food trucks, box trucks and service energy vehicles– SUVs). The insurance coverage in Redwood Estates may 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 cars utilized commercially. The compensation plans also vary between individual and commercial auto insurance policies.
For instance, the plan takes in account the commercial cars are managed by licensed staff members in Redwood Estates 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 Includes
The commercial auto insurance coverage includes various types of coverage.
• Physical injury liability: this kind of coverage pays for physical injury or death, in addition to providing 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 may also get legal defense.
• Accident protection: This insurance coverage pays for the medical expenses of the occupants in case of a mishap, despite who is at fault. It is also called the no-fault or medical payments coverage.
• Uninsured vehicle driver coverage: This coverage pays for the injuries and to a degree, property damage triggered by an uninsured motorist (or for the most parts, a hit-and-run driver).
Other Areas Covered By the Policy
• Combined single limitation coverage (CSL): This is a coverage that offers different limitations that look for physical injury and property damage. It has the same quantity of protection (in regards to cash) that looks for either physical injury, property damage, or whether one or more individuals were involved in the mishap.
• Collision coverage: This coverage pays for your vehicle when it is struck by another object, or when it caused the crash.
• Comprehensive physical damage coverage: This coverage pays for the vehicle in case of other uncontrollable instances like floods, fire, vandalism, and theft.
In Essence
This kind of insurance coverage is meant to safeguard your business from expensive suits in case your vehicle caused the accident. It also protects the business in that its owner won’t incur the additional cost of vehicle repair or even fleet replacement despite who triggered 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.