If you own a business which requires that you drive around town to do your work, or that you use a vehicle to transport goods from location to location, then you will likely need a commercial auto insurance policy. An insurance plan for a commercial vehicle will be different than the insurance plan for a personal-use vehicle. This is because commercial vehicles experience higher risks compared to personal-use vehicles. Commercial vehicles are also on the road more often than just the commute to/from work. More time on the road means more chances of an accident. Call us to get a San Diego Commercial Auto Insurance Quote.
Types of Commercial Vehicles
Most commercial vehicles can be categorized into three types and the insurance policy will reflect that:
Cars: This generic group includes cars, sedans, SUV’s, minivans, vans, and similar vehicles.
Trucks: These include dump trucks, tractor trailers, cement-mixers, and other heavy-duty work vehicles.
Trailers: This category includes commercial trailers such as auto-haulers, flatbed trailers, dry freight trailers, and the like.
Some commercial auto insurance policies include road-side assistance, rental reimbursement and downtime coverage. In contrast, some goods such as jewelry, cash, livestock, and some pharmaceuticals are not covered by commercial auto insurance. Call us for details.
Customized your San Diego Commercial Auto Insurance Quote
Commercial auto insurance is available regardless if you are in the business of hauling goods across the country or delivering pizza across town. Because each business is different, KM Insurance Services customizes your commercial auto insurance quote so you get the coverage you need and drop the ones you don’t. Commercial vehicle insurance policies may cover
- Personal Injury
- Liability
- Physical Damage
- Medical Payments
- Uninsured / Under Insured Motorist
- Hired Auto
- Non-Owned Coverage
- Collision
- Comprehensive
KM Insurance Services
In business since 1978, KM Insurance Services is the provider business owners go to for expert insurance service and advice. Please contact us today by Email or by telephone at: (619) 667-2880.