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 Santa Clara, 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 Agency Near Me In Santa Clara 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 Santa Clara CA 95050. 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 Santa Clara depends on its automobiles for transport, then commercial auto insurance is needed. Huge companies with large fleets, as well as small businesses with single automobiles require the insurance plan in place.
The commercial auto insurance plan is an insurance plan that covers vehicles that are not covered by personal auto insurance plans, that is, vehicles that are used for business purposes. The insurance covers for damages, injuries, and liabilities sustained throughout the use of the vehicles.
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 vehicles– SUVs). The insurance coverage in Santa Clara might also be referred to as fleet insurance or truck insurance.
Because personal cars are not meant for business use, they are rated and written off differently from the vehicles used commercially. The compensation plans also differ in between individual and commercial auto insurance coverage.
For instance, the plan takes in account the commercial automobiles are dealt with by licensed employees in Santa Clara CA who are governed by work policies with regards to the automobiles. This helps the insurer 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 plan includes different kinds of protection.
• Bodily injury liability: this type of coverage pays for bodily injury or death, as well as offering 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 may also get legal defense.
• Accident protection: This insurance coverage pays for the medical costs of the residents in the event of a mishap, regardless of who is at fault. It is also called 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 chauffeur (or for the most parts, a hit-and-run chauffeur).
Other Areas Covered By the Policy
• Combined single limit coverage (CSL): This is a coverage that provides different limits that request physical injury and property damage. It has the same quantity of coverage (in terms of cash) that makes an application for either physical injury, property damage, or whether several individuals were involved in the mishap.
• Collision coverage: This coverage pays for your vehicle when it is hit by another item, or when it triggered 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 mishap. It also protects the business in that its owner won’t sustain the additional cost of vehicle repair and even fleet replacement no matter who triggered the accident.
Therefore, it’s a no-brainer that commercial auto insurance coverage is obligatory for any business that runs an automobile throughout its operations.