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 Ventura, 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 Ventura 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 Ventura CA 93001. 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 Ventura relies on its automobiles for transportation, then commercial auto insurance is required. Huge companies with big fleets, as well as small businesses with single automobiles require the insurance plan in place.
The commercial auto insurance coverage 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 during the use of the cars.
What Is Covered?
The commercial vehicle insurance plan covers all types of vehicles utilized by the business, from small vehicles to heavy commercial trucks (including vans, food trucks, box trucks and service utility automobiles– SUVs). The insurance coverage in Ventura may also be referred to as fleet insurance or truck insurance.
Considering that individual automobiles are not meant for business usage, they are rated and written off differently from the automobiles utilized commercially. The compensation plans also vary in between personal and commercial auto insurance policies.
For instance, the plan takes in account the commercial vehicles are managed by licensed staff members in Ventura CA who are governed by work policies with regards to the cars. This helps the insurance provider know when and who to appropriate the blame in case of accidents, damages, and even death.
What Commercial Auto Insurance Consists Of
The commercial auto insurance coverage comes with various types of coverage.
• 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 harms another individual’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 residents in the event of an accident, 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 a degree, property damage caused by an uninsured motorist (or in most cases, a hit-and-run chauffeur).
Other Areas Covered By the Policy
• Combined single limitation coverage (CSL): This is a coverage that offers different limitations that apply for bodily injury and property damage. It has the same amount of protection (in regards to cash) that gets either bodily injury, property damage, or whether several people were involved in the mishap.
• Collision coverage: This coverage pays for your vehicle when it is hit by another item, or when it caused the crash.
• 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 kind of insurance coverage is meant to protect your business from costly suits in case your vehicle caused the accident. It also protects the business in that its owner will not sustain the additional cost of vehicle repair or even fleet replacement no matter who triggered the mishap.
Thus, it’s a no-brainer that commercial auto insurance coverage is compulsory for any business that runs an automobile throughout its operations.