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 San Anselmo, 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 San Anselmo 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 San Anselmo CA 94960. 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 San Anselmo relies on its vehicles for transport, then commercial auto insurance is required. Huge companies with large fleets, as well as small businesses with single cars require the insurance plan in place.
The commercial auto insurance plan is an insurance plan that covers automobiles that are not covered by individual auto insurance plans, that is, automobiles that are used for business purposes. The insurance covers for damages, injuries, and liabilities incurred during the use of the vehicles.
What Is Covered?
The commercial vehicle insurance plan covers all types of automobiles utilized by the business, from small cars to heavy commercial trucks (including vans, food trucks, box trucks and service utility cars– SUVs). The insurance coverage in San Anselmo might also be referred to as fleet insurance or truck insurance.
Because personal automobiles are not meant for business usage, they are rated and written off differently from the cars utilized commercially. The compensation plans also vary between individual and commercial auto insurance coverage.
For instance, the plan takes in account the commercial cars are managed by authorized employees in San Anselmo 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, and even death.
What Commercial Auto Insurance Includes
The commercial auto insurance policy features numerous kinds 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 damages another individual’s property in the course of business. You may also get legal defense.
• Personal injury coverage: This insurance coverage pays for the medical expenses of the residents in the event 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 an extent, property damage brought on by an uninsured chauffeur (or most of the times, a hit-and-run chauffeur).
Other Areas Covered By the Policy
• Integrated single limitation coverage (CSL): This is a coverage that offers separate limitations that apply for physical injury and property damage. It has the same quantity of protection (in regards to money) that makes an application for either bodily injury, property damage, or whether several individuals were involved in the accident.
• Crash coverage: This coverage pays for your vehicle when it is struck by another item, or when it caused the collision.
• 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 type of insurance coverage is meant to safeguard your business from costly claims in case your vehicle triggered the accident. It also protects the business in that its owner will not sustain the extra cost of vehicle repair or perhaps fleet replacement no matter who triggered the accident.
Thus, it’s a no-brainer that commercial auto insurance coverage is mandatory for any business that operates an automobile during its operations.