Commercial Auto Insurance insures your vehicles for physical damage and liability coverages for amounts, situations, and usage not covered by a personal auto policy. This type of business insurance covers a variety of vehicles and is also referred to as commercial car insurance, truck insurance, or fleet insurance.
Our agents at Glenn S Caldwell Insurance Services, Inc. will help you find the best coverage you need for your business.
Why do you need California Commercial Auto Insurance?
In general, if an auto is used in tasks related to the operator’s occupation, profession, or business, other than commuting, a commercial policy is necessary.
If you are using your auto to transport goods or people for a fee or if you use your auto to conduct a service, you may need a commercial auto insurance policy. A commercial auto policy may be appropriate if you need higher limits of liability because of the nature of your work. Hauling a considerable weight in tools or equipment or towing a trailer used to conduct your business may require a commercial auto insurance policy. A commercial insurance policy may be needed if employees operate the auto or if ownership is in the name of a corporation or partnership.
What does Commercial Auto Insurance cover?
Commercial auto insurance, like your personal auto policy, provides similar coverages such as liability, collision, comprehensive, medical payments (or personal injury protection), and uninsured motorists coverage to California businesses. However, there are also differences between a commercial auto insurance policy and your personal auto policy that may include eligibility, definitions, coverages, exclusions, and limits.
Most Commercial auto policies are “named driver only” policies, meaning only those drivers listed on the policy can operate a covered auto.
What are the coverages?
Providing Commercial Auto Insurance in Sonora, California
With many different options, commercial car insurance can be confusing. We can help you with your commercial vehicle insurance needs in Sonora California including the Angels Camp, Arnold, Copperopolis, Murphys, and Stockton areas.
So contact one of the agents at Glenn S Caldwell Insurance Services, Inc. for your California commercial auto insurance needs.
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