What You Need to Know About Insurance For Your Business Vehicles

California Truck Insurance

California Truck InsuranceWhen it comes to insuring your business, a critical part of your business insurance package will be business auto insurance, also referred to as commercial auto.

Commercial auto insurance can include physical damage for your vehicle and liability insurance to protect your business from damages and injuries you or a listed driver on your policy may cause.

Physical damage can include both comprehensive and collision coverages for your cars, trucks, vans or SUVs that are used for business purposes. Physical damage coverage is an optional coverage while liability insurance is required by law.

It may seem like commercial auto insurance should be limited to semi trucks, dump trucks and heavy-duty pickups, but even vehicles use for business errands, delivery or transporting your customers may need a commercial auto policy. Our licensed commercial auto insurance agents can help you decide if a commercial auto policy is necessary.

Commercial Auto Coverage for Trailers: Does your business pull a trailer? Our agency can insure a huge variety of trailers that include everything from a simple landscape trailer, to auto transports and even large semi-tractor trailers.

Regardless of what you’re looking to insure, trust that our licensed agents will find you the right coverage at the right price for your situation. We specialize in trucking insurance and can answer your questions and search to find you affordable truck insurance. We can write business insurance or trucking insurance in California, Nevada, Texas and Arizona!

Benefits of Bundling Your Insurance Policies

California Truck Insurance Agency

California Truck Insurance Agency“Bundle your home and auto & save!” “Save by bundling your insurance policies together!”

We seem to be inundated with commercials and advertisements telling us to bundle our insurance policies together. What is the reason behind this and is this really a better option for your insurance?

Benefits of Bundling

Discounts

Some of the benefits associated with bundling your insurance policies together are discounts. The more you bundle, typically, the more you save. While the most common bundled policy is the home and auto policy, some insurance companies discount other product bundles such as auto and motorcycle. It depends on each carrier.

Consolidated Billings

Bundling your policies together can help eliminate confusion over your billing. While home insurance may go to your escrow company, it is easier to understand when your bill comes from a single source.

Access to more products

Many companies will require the auto policy to write an umbrella policy. While typically the umbrella policy is written under the property portion of your insurance. Do note, there are some companies who will just write an umbrella policy.

Why would you not bundle?

Sometimes bundling your insurance policies just doesn’t make sense. Some circumstances in which you may not be able to bundle your insurance can be:

  • Young drivers
  • SR22 Insurance
  • High Risk Drivers
  • Dangerous dog in household
  • Earthquake or Flood Insurance

Every once in a while auto insurance premium may seem too high, but you’re happy with your home insurance carrier. In this instance, you can use the full benefit of an independent insurance agent by writing the home with one carrier and the auto insurance with another carrier. Just because you’re splitting the policies doesn’t necessarily mean you’ll pay more. An agent in our office can show you all the prices between several carriers and help guide you as to what makes the most sense for your specific situation.

If you’re in the market for a new or replacement insurance policy, you’ve come to the right place. Independent insurance agents are the only agents who have access to multiple top-rated insurance companies. By shopping with an independent agent, you can compare coverage, pricing, payment plans and look at bundling your insurance policies. The benefits of having an independent insurance agent don’t stop there. As your life changes, your agent can adapt to your needs finding you the right new company for your new situation such as getting married, having a teen driver and more.

Our agency specializes in trucking insurance. For truck insurance like owner operator, cargo coverage or flat bed truck insurance, call us! We also provide business insurance like general liability, commercial auto or business owners insurance.

Thank you for the opportunity to help you with your insurance.

AB5 & The Trucking Industry

Truck Driver Insurance Coverage California

Truck Driver Insurance Coverage CaliforniaLike many of our clients, we are concerned about how the passing of AB5 will affect the trucking industry. We are working closely with our carriers and partner associations to understand the industry impact and how best to help our clients adapt their business insurance to meet the new law requirements. There is a lot to understand, plan and prepare for.

We strongly believe that the trucking industry has a powerful platform capable of great influence regarding reform of AB5 which will help the legislators revise the current law to protect the disadvantaged it was intend to, but also create an even stronger transportation industry. While a daunting outlook lies ahead currently, we believe with understanding and perseverance, our clients will help shape revisions to AB5 that will have lasting positive effects on the industry for generations of successfully independent truckers to come!

For more information on the current bill please click below.
https://www.caltrux.org/ab-5-faq/

If have questions about your current business insurance or are seeking a policy, call Network Truck Insurance Services. We specialize in helping the trucking industry and can help you determine the insurance coverage you need. Call us for an insurance review or coverage options.