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 Bruno, 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 San Bruno 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 Bruno CA 94066. 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 Bruno counts on its automobiles for transport, then commercial auto insurance is needed. Huge companies with big fleets, in addition to small businesses with single cars require the insurance plan in place.
The commercial auto insurance policy is an insurance plan that covers vehicles that are not covered by individual auto insurance plans, that is, cars that are used for business purposes. 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 types of automobiles utilized by the business, from small cars to heavy commercial trucks (including vans, food trucks, box trucks and service energy automobiles– SUVs). The insurance coverage in San Bruno 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 vehicles used commercially. The compensation plans also vary in between individual and commercial auto insurance coverage.
For example, the plan takes in account the commercial vehicles are handled by licensed workers in San Bruno 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 comes with different kinds of coverage.
• 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 damages another person’s property in the course of business. You might also get legal defense.
• Accident coverage: This insurance coverage pays for the medical expenditures of the occupants in the event of a mishap, no matter who is at fault. It is also referred to as the no-fault or medical payments coverage.
• Uninsured motorist coverage: This coverage pays for the injuries and to an extent, property damage caused by an uninsured driver (or most of the times, a hit-and-run driver).
Other Areas Covered By the Policy
• Integrated single limit coverage (CSL): This is a coverage that offers different limitations that make an application for physical injury and property damage. It has the same amount of protection (in terms of cash) that requests either bodily injury, property damage, or whether several individuals were involved in the mishap.
• Accident coverage: This coverage pays for your vehicle when it is hit 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 type of insurance coverage is meant to protect your business from pricey claims in case your vehicle caused the mishap. It also protects the business in that its owner won’t incur the extra expense of vehicle repair and even fleet replacement despite who triggered the mishap.
Therefore, it’s a no-brainer that commercial auto insurance coverage is obligatory for any business that runs an automobile during its operations.