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 Sonoma, 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 Sonoma 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 Sonoma CA 95476. 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 Sonoma relies on its cars for transportation, then commercial auto insurance is needed. Big companies with large 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 personal auto insurance plans, that is, automobiles that are utilized for business functions. The insurance covers for damages, injuries, and liabilities incurred throughout the use of the cars.
What Is Covered?
The commercial vehicle insurance plan covers all types of automobiles utilized by the business, from small automobiles to heavy commercial trucks (including vans, food trucks, box trucks and service utility cars– SUVs). The insurance coverage in Sonoma may also be referred to as fleet insurance or truck insurance.
Because personal cars are not meant for business usage, they are rated and written off differently from the cars utilized commercially. The compensation plans also differ between personal and commercial auto insurance policies.
For instance, the plan takes in account the commercial vehicles are handled by licensed staff members in Sonoma 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 plan features different kinds of coverage.
• Bodily injury liability: this type 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 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 an accident, 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 most of the times, a hit-and-run chauffeur).
Other Areas Covered By the Policy
• Combined single limit coverage (CSL): This is a coverage that offers separate limits that obtain bodily injury and property damage. It has the same amount of protection (in terms of cash) that obtains either bodily injury, property damage, or whether one or more people were involved in the mishap.
• Collision 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 kind of insurance coverage is meant to safeguard your business from pricey claims in case your vehicle caused the mishap. It also protects the business in that its owner will not incur the additional expense of vehicle repair or perhaps fleet replacement regardless of who caused the accident.
Thus, it’s a no-brainer that commercial auto insurance coverage is compulsory for any business that runs an automobile throughout its operations.