CSIS Insurance Services, Inc.
  • Home
  • Quotes
    • Cyber Insurance Quote
    • Contractors Insurance Quote
    • Workers' Compensation Quote
    • Business Insurance Quote
    • Commercial Auto Insurance Quote
    • Business Owners Package (BOP) Insurance Quote
    • Course of Construction Quote
    • Inland Marine/Tools/Equipment Coverage Quote
    • Commercial Umbrella Insurance Quote
    • Commercial General Liability Quotes
    • Commercial Property Insurance Quote
    • Surety Bond Quote
    • General Liability Insurance Quote
    • Trucking Insurance Quote
    • Commercial Building Insurance Quote
  • Service
    • Report a Claim
    • Update Contact Info
    • Policy Changes
    • Certificate of Insurance
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Insurance
    • Cyber Insurance
    • Contractors Insurance
    • Workers' Compensation
    • Business Insurance
    • Commercial Auto Insurance
    • Business Owners Package (BOP) Insurance
    • Commercial General Liability Insurance
    • Commercial Property Insurance
    • Surety Bond
    • General Liability Insurance
    • Trucking Insurance
    • Commercial Building Insurance
  • About
    • Why Choose CSIS
    • CSIS Brochure
    • Staff Directory
    • Client Testimonials
    • Refer a Friend
    • Insurance Carriers
    • Agency Photo Gallery
    • Helpful Links
    • Accessibility Statement
    • Blog
  • Contact
  • Home
  • Quotes
    • Cyber Insurance Quote
    • Contractors Insurance Quote
    • Workers' Compensation Quote
    • Business Insurance Quote
    • Commercial Auto Insurance Quote
    • Business Owners Package (BOP) Insurance Quote
    • Course of Construction Quote
    • Inland Marine/Tools/Equipment Coverage Quote
    • Commercial Umbrella Insurance Quote
    • Commercial General Liability Quotes
    • Commercial Property Insurance Quote
    • Surety Bond Quote
    • General Liability Insurance Quote
    • Trucking Insurance Quote
    • Commercial Building Insurance Quote
  • Service
    • Report a Claim
    • Update Contact Info
    • Policy Changes
    • Certificate of Insurance
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Insurance
    • Cyber Insurance
    • Contractors Insurance
    • Workers' Compensation
    • Business Insurance
    • Commercial Auto Insurance
    • Business Owners Package (BOP) Insurance
    • Commercial General Liability Insurance
    • Commercial Property Insurance
    • Surety Bond
    • General Liability Insurance
    • Trucking Insurance
    • Commercial Building Insurance
  • About
    • Why Choose CSIS
    • CSIS Brochure
    • Staff Directory
    • Client Testimonials
    • Refer a Friend
    • Insurance Carriers
    • Agency Photo Gallery
    • Helpful Links
    • Accessibility Statement
    • Blog
  • Contact

CSIS Insurance Services, Inc. Blog

Introduction To Commercial Auto Insurance

12/29/2017

0 Comments

 
Picture
If your business owns and operates vehicles, a personal auto insurance policy won’t be able to cover them. A separate policy exists for vehicle used in businesses because they face higher risks. A commercial auto insurance policy protects vehicles against property damage, injury, and liability risks arising from how the business uses the car. Read these answers to some of the most common questions about commercial auto insurance.
When do I need a Commercial Auto Insurance?
You would need a commercial auto insurance if:
  1. You operate a truck or a vehicle with a heavy load
  2. The vehicle is owned by a corporation and is driven by its employees
  3. You’re using a vehicle to transport goods or people or to conduct a service
  4. You require a high liability limit because of the risks involving the vehicle you operate

What does the policy cover?
Common commercial auto insurance policies cover:
  1. Comprehensive: damage to vehicles from unexpected events, natural disasters, theft, and other risks.
  2. Collision: damage from collision between vehicles or if your vehicle collides with an object.
  3. Medical: hospital bills of the driver and passenger of the vehicles who is involved in an accident.
  4. Liability for bodily injury and property damage: bodily injury and property damage to other people when you’re at fault in the accident.
  5. Combined single limit: combines the limit coverage per occurrence for both bodily injury and property damage, which usually have separate limits.
  6. Uninsured motorist: pays from injuries and property damage if an uninsured (or underinsured) driver crashes into you.

How much does it cost?
The cost of commercial auto insurance differs from one buyer to another because of several reasons. Type of vehicle is one of the factors that highly affects the cost. For instance, trucks face higher risks because the damage caused by a crashing truck is more devastating, so companies who use trucks needs to pay more premium than companies who uses sedans to provide a taxi service.

The driver’s profile also affects the premium, like the age and the driving records for the driver. Insurers may provide bulk discount for companies who needs a lot of vehicles covered, which will reduce the cost per vehicle insured.

Take note that even if you use your vehicle for work, you may not need a commercial auto insurance. Consulting an insurance agent is the best way to find out about your auto insurance needs.

At CSIS Insurance Services Inc., we work hard to make sure that our clients are well-protected with policies that they can afford. To learn more about how we can help you, please contact our agency at (888) 501-2747 or Click Here to request a free quote.

​
0 Comments



Leave a Reply.

    Contact Us

    (888) 501-2747​
    3315 Old Conejo Road
    Thousand Oaks, CA 91320​
    Click Here to Email Us

    Archives

    December 2022
    November 2022
    October 2022
    September 2022
    August 2022
    July 2022
    June 2022
    May 2022
    April 2022
    March 2022
    February 2022
    January 2022
    December 2021
    November 2021
    October 2021
    September 2021
    August 2021
    July 2021
    June 2021
    May 2021
    April 2021
    March 2021
    February 2021
    January 2021
    December 2020
    November 2020
    October 2020
    September 2020
    August 2020
    July 2020
    June 2020
    May 2020
    April 2020
    March 2020
    February 2020
    January 2020
    December 2019
    November 2019
    October 2019
    September 2019
    August 2019
    July 2019
    June 2019
    May 2019
    April 2019
    March 2019
    February 2019
    January 2019
    December 2018
    November 2018
    October 2018
    September 2018
    August 2018
    July 2018
    June 2018
    May 2018
    April 2018
    March 2018
    February 2018
    January 2018
    December 2017
    November 2017

    Categories

    All
    Auto Insurance
    Business Insurance
    Business Owner Insurance
    Business Owner's Package (BOP) Insurance
    Commercial Auto Insurance
    Commercial General Liability Insurance
    Commercial Property Insurance
    Contractors Insurance
    Cyber Insurance
    FAQs
    Financial
    Insurance
    Local
    Safety
    Workers' Compensation Insurance

    RSS Feed

California License Number: ​0D80851

Navigation

Homepage
Insurance Quotes
Policy Service
Insurance Products
Contact Us
Agent Login

Connect With Us

Share This Page

Contact Us

CSIS Insurance Services, Inc.​
3315 Old Conejo Road
Thousand Oaks, CA 91320
(888) 501-2747​
Click Here to Email Us
Review Us

Location

Website by InsuranceSplash