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 Sun Valley, 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 Sun Valley 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 Sun Valley CA 91352. 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 Sun Valley depends on its vehicles for transport, then commercial auto insurance is needed. Big companies with large fleets, in addition to small businesses with single vehicles 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 incurred throughout the use of the vehicles.
What Is Covered?
The commercial vehicle insurance plan covers all kinds of cars used by the business, from small automobiles to heavy commercial trucks (including vans, food trucks, box trucks and service energy vehicles– SUVs). The insurance coverage in Sun Valley might also be referred to as fleet insurance or truck insurance.
Considering that personal vehicles are not meant for business use, they are rated and written off differently from the cars used commercially. The compensation plans also vary in between personal and commercial auto insurance coverage.
For instance, the plan takes in account the commercial cars are managed by authorized workers in Sun Valley 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 accidents, damages, as well as death.
What Commercial Auto Insurance Includes
The commercial auto insurance policy comes with various types of coverage.
• Bodily injury liability: this type of coverage pays for bodily injury or death, as well as 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 may also get legal defense.
• Accident coverage: This insurance coverage pays for the medical costs of the residents in case of a mishap, regardless of who is at fault. It is also known as the no-fault or medical payments coverage.
• Uninsured motorist coverage: This coverage pays for the injuries and to a degree, property damage caused by an uninsured motorist (or for the most parts, a hit-and-run chauffeur).
Other Areas Covered By the Policy
• Integrated single limitation coverage (CSL): This is a coverage that offers different limits that look for physical injury and property damage. It has the same amount of coverage (in terms of money) that makes an application for either bodily injury, property damage, or whether one or more individuals were involved in the accident.
• Accident coverage: This coverage pays for your vehicle when it is struck by another object, 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 suits in case your vehicle caused the mishap. 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 caused the accident.
Therefore, it’s a no-brainer that commercial auto insurance coverage is obligatory for any business that operates an automobile throughout its operations.