Coverage for Work Trucks, Business Fleets, and Company Vehicles
If your business owns or uses vehicles, your personal auto policy won’t cover you when something goes wrong on the job. Commercial Auto Insurance protects your trucks, vans, and company vehicles — and the business behind them. At Oakview Insurance Services, we work with a wide range of carriers to find the right coverage at a competitive rate for businesses throughout Yuba City and Northern California.
Important Coverages
Commercial auto insurance is an essential coverage for any business that uses vehicles to operate. Below you’ll find a list of important coverages to consider.
Liability Insurance
Liability insurance is the most basic coverage for any commercial auto insurance policy. It provides protection for bodily injury and property damage caused by your business vehicles. Liability insurance is required by law in most states, and it’s essential for protecting your business from financial losses in case of an accident.
Physical Damage Insurance
Physical damage insurance provides coverage for damage to your vehicles, including collision and comprehensive coverage. Collision coverage pays for damage to your vehicle if it’s involved in an accident with another vehicle or object, while comprehensive coverage covers damage caused by other events, such as theft or vandalism.
Uninsured/Underinsured Motorist Insurance
Uninsured/underinsured motorist insurance provides coverage for accidents involving drivers who don’t have insurance or don’t have enough insurance to cover the damages. This coverage is essential for protecting your business from financial losses in case of an accident with an uninsured or underinsured driver.
Medical Payments Insurance
Medical payments insurance provides coverage for medical expenses for you and your passengers if you’re involved in an accident. This coverage is essential for protecting your business from financial losses in case of an accident involving injuries.
Hired/Non-Owned Auto Insurance
Hired/non-owned auto insurance provides coverage for vehicles that your business rents or hires, as well as vehicles that your employees use for business purposes but don’t own. This coverage is essential for protecting your business from financial losses in case of an accident involving a rented or borrowed vehicle.
Do You Need Commercial Auto or Will Personal Auto Cover You
This is one of the most common questions we hear. The short answer is: if you are using a vehicle for business purposes, personal auto insurance is very likely not enough. Personal policies typically exclude business use, which means an accident on the job could leave you fully exposed. If you send an employee on an errand, make deliveries, haul equipment, or drive to job sites, you need a commercial auto policy. Hired and Non-Owned Auto coverage can also fill the gap for employees who use their own vehicles for work.
Why Choose Oakview Insurance Services?
At Oakview Insurance Services, we understand the unique challenges that businesses face when it comes to insurance. That’s why we offer customized coverage options that fit your specific needs, including commercial truck insurance, business auto insurance, and more. Here are some reasons to choose Oakview Insurance Services for your insurance needs:
Experience
Our agents have years of experience working with businesses of all sizes to provide the right insurance coverage. We understand the unique risks that come with operating vehicles for business purposes, and we can help you choose the right coverage to protect your business.
Customized Solutions
We know that every business has different insurance needs. That’s why we offer customized coverage options that fit your specific needs. We can help you find the right coverage for your business.
Affordable Rates
We understand that cost is an important factor when it comes to commercial auto insurance. That’s why we work with a variety of insurance carriers to find you the most affordable rates possible. We can help you find the coverage you need at a price that fits your business and your budget.
We specialize in Realtors, Couriers, Florists, Contractors, Caterers, Delivery Services, Carpenters, Plumbers, Restaurants, Wholesale Businesses, and many more.
IMPORTANT Commercial Auto Insurance and Personal Use: What You Need to Know
If you’re a small business owner or entrepreneur, you may use your personal vehicle for business purposes without realizing that your personal auto insurance policy may not cover commercial use. This means that any damages or injuries resulting from an accident may not be covered by your personal policy. This is why having commercial auto insurance is crucial for any business owner who uses their vehicle for business purposes.
For instance, when you send an employee out on an errand, such as running to the local store for supplies or giving a business consultant a ride from the airport, any damages or injuries caused by an accident may not be covered if the employee uses their personal vehicle in the course of business. Hired and non-owned auto would provide coverage for these scenarios.
At Oakview Insurance Services, Inc., we understand the importance of having adequate commercial auto insurance coverage for your business. We are an independent insurance agency that can provide all of your commercial coverage needs through one office. Our team of experienced agents can sit down with you, learn about your business, and help you find the right commercial auto insurance policy that suits your needs.
We understand that each business is unique, which is why we take the time to ask you a variety of questions about your commercial automobiles, such as:
- How many commercial automobiles do you have?
- How are those vehicles used? For example, do they transport people, goods, hazardous materials, or food?
- How many miles does each vehicle typically travel in a year?
- How many drivers do you have?
- What are their ages and level of experience?
- Have your drivers taken a safe driving course?
By gathering this information, we can provide you with an accurate quote and find discounts that may be available to you. Our goal is to help you get comprehensive coverage at a competitive price.
If you’re in the market for commercial auto insurance in Yuba City, or if you already have coverage but want to ensure that it’s comprehensive and competitively priced, our team at Oakview Insurance Services, Inc. can provide you with an open and honest assessment of your coverage to determine whether or not you can do better.
So if you’re using your personal vehicle for business purposes, don’t risk the financial consequences of not having proper coverage. Contact us today to learn more about how we can help you find the right commercial auto insurance policy for your business. Remember, protecting your business starts with having the right insurance coverage in place.
Serving businesses throughout Yuba City, Marysville, Chico, Woodland, and the greater Northern California region.
Call our office, or click over to our Quotes page to submit some basic information to get the process started. Either way, we’ll make the process simple!