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 Cruz County, 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 Santa Cruz County 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 Cruz County CA . 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 Santa Cruz County depends on its vehicles for transportation, then commercial auto insurance is required. 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 cars that are not covered by individual auto insurance plans, that is, vehicles that are used for business functions. The insurance covers for damages, injuries, and liabilities sustained during the use of the vehicles.
What Is Covered?
The commercial vehicle insurance plan covers all types of cars used by the business, from small cars and trucks to heavy commercial trucks (including vans, food trucks, box trucks and service utility automobiles– SUVs). The insurance coverage in Santa Cruz County might also be referred to as fleet insurance or truck insurance.
Since personal automobiles 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 plans.
For instance, the plan takes in account the commercial cars are handled by licensed employees in Santa Cruz County 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 accidents, damages, and even death.
What Commercial Auto Insurance Includes
The commercial auto insurance coverage comes with various types of coverage.
• Bodily injury liability: this kind of coverage pays for bodily injury or death, in addition to 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.
• Personal injury coverage: This insurance coverage pays for the medical expenses of the occupants in case of an accident, no matter who is at fault. It is also referred to as the no-fault or medical payments coverage.
• Uninsured vehicle driver coverage: This coverage pays for the injuries and to a degree, property damage caused by an uninsured driver (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 limitations that look for physical injury and property damage. It has the same quantity of protection (in terms of cash) that makes an application for either bodily injury, property damage, or whether several individuals were involved in the mishap.
• Crash coverage: This coverage pays for your vehicle when it is struck by another item, or when it caused the accident.
• 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 pricey claims in case your vehicle triggered the accident. It also protects the business in that its owner will not incur the additional cost of vehicle repair or even fleet replacement no matter who caused the accident.
Therefore, it’s a no-brainer that commercial auto insurance coverage is compulsory for any business that runs an automobile throughout its operations.
Cities We Serve In Santa Cruz County
- Commercial Auto Insurance Aptos CA
- Commercial Auto Insurance Ben Lomond CA
- Commercial Auto Insurance Boulder Creek CA
- Commercial Auto Insurance Brookdale CA
- Commercial Auto Insurance Capitola CA
- Commercial Auto Insurance Davenport CA
- Commercial Auto Insurance Felton CA
- Commercial Auto Insurance Freedom CA
- Commercial Auto Insurance Mount Hermon CA
- Commercial Auto Insurance Santa Cruz CA
- Commercial Auto Insurance Scotts Valley CA
- Commercial Auto Insurance Soquel CA
- Commercial Auto Insurance Watsonville CA
Learn More About Santa Cruz County CA
https://en.wikipedia.org/wiki/Santa_Cruz_County,_California