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 Westminster, 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 Westminster 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 Westminster CA 92683. 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 Westminster relies on its automobiles for transport, then commercial auto insurance is required. Huge companies with big fleets, along with small businesses with single cars need the insurance plan in place.
The commercial auto insurance policy is an insurance plan that covers vehicles that are not covered by individual auto insurance plans, that is, cars that are used for business functions. The insurance covers for damages, injuries, and liabilities sustained throughout the use of the vehicles.
What Is Covered?
The commercial vehicle insurance plan covers all types of vehicles utilized by the business, from small cars and trucks to heavy commercial trucks (including vans, food trucks, box trucks and service energy vehicles– SUVs). The insurance coverage in Westminster may also be referred to as fleet insurance or truck insurance.
Considering that personal cars are not meant for business use, they are rated and written off in a different way from the vehicles used commercially. The compensation plans also vary between individual and commercial auto insurance policies.
For instance, the plan takes in account the commercial vehicles are handled by licensed workers in Westminster 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 mishaps, damages, as well as death.
What Commercial Auto Insurance Consists Of
The commercial auto insurance coverage comes with numerous kinds 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 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 costs of the residents in the event of an accident, 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 driver (or most of the times, a hit-and-run driver).
Other Areas Covered By the Policy
• Integrated single limit coverage (CSL): This is a coverage that provides separate limits that make an application for bodily injury and property damage. It has the same amount of protection (in terms of cash) that makes an application for either physical injury, property damage, or whether one or more individuals were involved in the accident.
• Crash coverage: This coverage pays for your vehicle when it is struck by another object, or when it triggered 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 type of insurance coverage is meant to protect your business from costly claims in case your vehicle caused the accident. It also protects the business in that its owner won’t incur the extra cost of vehicle repair or even fleet replacement despite who triggered the mishap.
Thus, it’s a no-brainer that commercial auto insurance coverage is obligatory for any business that operates an automobile throughout its operations.