Commercial Auto Insurance
HITTING THE STREETS
Even if your commercial vehicles are not the primary way your business makes money, its always smart to properly insure the vehicles you depend on as a business owner. After all, auto accidents could be your most common risk of a liability claim made against you.
Commercial auto insurance is different than personal vehicle insurance. In many cases, not only are there multiple vehicles to cover, but also how the liability from accidents or claims will extend to your business as a whole.
Making sure the coverage for your commercial auto insurance is comprehensive is one the the easiest ways to protect your business. Don't hesitate, call today.
Worried about costs?
It's true, in California commercial auto rates are high. By working with a broker, we can shop various programs for you to get the best rates and policy terms to suit your needs and your budget.
What should my business auto policy cover?
Commercial auto insurance coverage may include:
- Comprehensive and Collision
- Emergency Roadside Assistance
- Liability
- Medical Payments
- Loss of Earnings
- Uninsured Motor Vehicle
- Non-owned Vehicle Liability
- Hired Vehicle Liability
- Rental Reimbursement
Why do I need such comprehensive coverage?
When your employees use a company vehicle for business purposes, they're no longer reliant on their personal auto policy for coverage. In the event of an accident, property damage, or injury caused by one of your employees will be covered by your commercial auto policy.
What to expect from our company -
At our firm, you’ll speak with an experienced agent whose main goal is to design a policy to fit to your particular business needs.
Whether your commercial vehicle is for occasional use, a possible new venture, or a daily necessity, we are here to be sure coverage is applicable to your request and answer any questions you may have.
A cautionary tale
As one business owner found out, it’s always best to ask if you don’t know what type of policies you may need.
This owner had a love for fashion and a knack for finding gently used clothing. One day, she decided to take a leap of faith and open her own vintage clothing boutique.
It didn’t take long for business to start booming for the boutique. It wasn’t long before she had an epiphany: Why not complete personal deliveries for locals?
It wasn't long before she was making deliveries, when the unthinkable occurred: she backed into a young man on a bicycle. While he was not seriously injured, he was hospitalized overnight for monitoring.
The next day a claims adjuster called to inform her that since she was doing business at the time of the accident, the claim would not be covered by her personal insurance policy.
Stuck with a huge hospital bill and letter of lawsuit from the biker’s attorney, she was forced to shut down her business.
Answer this one question -
Can you afford to expose your income, your personal property, and your employees to this high-level of risk? If the answer is “no,” then we can help.
Why we're different -
You may think you want the cheapest insurance you can find, but low cost isn't everything. After all, it's said there's no such thing as a free lunch.
While many insurance products are similar in price and function, insurance agents and providers are very different when it comes to structuring a policy to cover you. Your business is unique. Why would you want a one-size-fits-all insurance policy. Many of our insurance carriers offer SPECIALIZED PRODUCTS WITH UNIQUE COVERAGES for various types of businesses.
We’re your neighbors. We protect businesses and people we know and care about. And businesses and people YOU know and care about. And that means we look for ways to protect you better, including carefully choosing the insurance companies we represent, to be both affordable and responsive.
Contact us, and let us at Elk Grove's LOCAL Insurance121 Insurance Solutions help you protect THE BUSINESS YOU'VE PUT YOUR SLEEPLESS NIGHTS, YOUR MONEY, YOUR EVERYTHING, INTO BUILDING for yourself, your employees, your community and your family. We'll help you make wise choices to protect what you value most.
Where we work -
At Insurance121 Insurance Solutions, we work to protect those of you with a meeting production or event production in Elk Grove, Galt, and surrounding areas - to include Wilton, Sloughhouse, Rancho Murieta, Acampo, Walnut Grove, Hood, Sacramento, Lodi, Stockton - and throughout California. In Elk Grove, we are members of Elk Grove Chamber of Commerce, Rotary Club of Laguna Sunrise, Rotary Club of Elk Grove and BNI (Business Networking International) Elk Grove Harvesters Chapter.
We're located in Elk Grove, CA and are licensed in California (DOI# 0K01870).
