Commercial Auto Insurance in Placerville and Georgetown, CA
If your business relies on vehicles, whether it’s a single work truck or a fleet of vans, commercial auto insurance is an essential safeguard. Personal auto policies don’t cover vehicles used for business purposes, which is why dedicated coverage matters. In Placerville and Georgetown, CA, commercial auto insurance can help cover your company’s vehicles, drivers and financial stability in the event of an accident or other incident.
What Does Commercial Auto Insurance Usually Cover?
A commercial auto policy generally includes a combination of liability and physical damage protection. Common coverage types include:
- Liability coverage—This coverage may help pay for bodily injury or property damage to others if one of your drivers is at fault in an accident.
- Collision coverage—This portion of the policy may help cover the cost of repairing or replacing your business vehicle after a crash, regardless of who was at fault.
- Comprehensive coverage—This insurance may help pay for damage from noncollision events, such as theft, fire, vandalism or falling objects.
- Medical payments coverage—This coverage may help with medical expenses for your driver and passengers after an accident, regardless of fault.
- Uninsured/underinsured motorist coverage—This may help protect your business if your vehicle is hit by someone who doesn’t have enough insurance or none at all.
Depending on your needs, you can also add options like hired and non-owned auto coverage, roadside assistance or rental reimbursement.
Why Is It Important?
Businesses in Placerville and Georgetown, CA often navigate winding rural roads, urban centers or long highway stretches—all of which come with varying risks. From delivery vans to service vehicles, ensuring your commercial vehicles are properly insured can help limit out-of-pocket costs and potential legal complications.
A local agent at Atwood Agency (DBA ISU Insurance Services) can help tailor a policy that suits your routes, drivers and vehicle types. Contact Atwood Agency (DBA ISU Insurance Services) today to learn more about commercial auto insurance options.