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 Walnut Creek, 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 Walnut Creek 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 Walnut Creek CA 94595. 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 Walnut Creek relies on its cars for transport, then commercial auto insurance is needed. Huge companies with large fleets, as well as small businesses with single vehicles 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, vehicles that are utilized 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 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 Walnut Creek may also be referred to as fleet insurance or truck insurance.
Given that individual automobiles are not meant for business use, they are rated and written off in a different way from the automobiles used commercially. The compensation plans also vary in between individual and commercial auto insurance policies.
For example, the plan takes in account the commercial vehicles are dealt with by licensed workers in Walnut Creek CA who are governed by work policies with regards to the vehicles. This helps the insurance company 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 plan includes different kinds of protection.
• Bodily injury liability: this type of coverage pays for bodily injury or death, along with 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.
• Personal injury protection: This insurance coverage pays for the medical expenses of the occupants in the event of a mishap, regardless of who is at fault. It is also known as the no-fault or medical payments coverage.
• Uninsured driver coverage: This coverage pays for the injuries and to a degree, property damage caused by an uninsured chauffeur (or in many cases, a hit-and-run driver).
Other Areas Covered By the Policy
• Combined single limitation coverage (CSL): This is a coverage that provides separate limits that apply for bodily injury and property damage. It has the same amount of coverage (in regards to cash) that looks for 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 collision.
• 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 triggered the accident. It also protects the business in that its owner won’t incur the additional cost of vehicle repair and even fleet replacement despite who caused the mishap.
Hence, it’s a no-brainer that commercial auto insurance coverage is mandatory for any business that operates an automobile during its operations.