Commercial Auto Insurance

We know we need auto insurance to protect our vehicles and families. Likewise, if you’re a business owner, you need a commercial vehicle policy to insure your business fleet. It doesn't matter if it’s just one vehicle or any vehicles you or your employees use on company business. Without the right commercial vehicle coverage, you expose your business assets to risk. Worse yet, as the owner of the business, you can be found personally responsible for costs associated with any accident.  Our team at Atchley & Associates can help you find the best policy for you.

We can design a policy according to your property, liability, and casualty needs. We are also proactive in identifying any factors that may increase your premiums or change your risk. So give us a call today or request a quote online.

Things to Consider in A Commerical Auto Policy

  • Liability Coverage: protects you against judgements and other expenses when someone else suffers bodily injury or property damage as a result of your firm’s operation of a vehicle. We’ll explore various coverage extensions, exclusions and limits, as well as reimbursement for legal costs associated with the claim or lawsuit.
  • Physical Damage Coverage: responds when one of your covered vehicles is damaged in some way. Again, we’ll address all extensions, exclusions, limits and deductibles and how they apply, and we’ll make sure you’re properly protected.
  • Misc options: Hired Auto Physical Damage (covers hired or borrowed vehicles); Lease or Loan Gap Coverage (in case there’s a difference between your covered vehicle’s value and what’s owed to the lienholder); Electronic Equipment Coverage (for things like DVD players and GPS units that are permanently installed in your vehicle); and more

Atchley & Associates understand that running a successful business keeps you busy. That’s why we’re here to help you protect your business. Its our job to make sure there aren’t any gaps in your coverage. To learn more about how a commercial auto insurance policy can be part of a solid protection program, stop by our office, give us a call or complete our quote request form. We look forward to working with you.

UBER DRIVER & RIDE-SHARE INSURANCE

Ride-hailing services like Lyft, Uber, and Sidecar continue to see rapid growth. signing up hundreds of drivers per city. In turn making it possible for individuals to work flexible schedules and to potentially enter the transportation business or Uber driver & ride-share insurance California without a big initial investment.

For those out there thinking about driving for a ride-hailing company, auto insurance is one of the most misunderstood issues within the ride-hailing industry. If you are an Uber, Lyft or Sidecar driver and having trouble getting car insurance, Atchley & Associates Insurance Services can help!

You will want to make sure that you – and your passengers – are protected in case of an accident.

These are the factors that complicate insurance as you know it:

  • You are using the vehicle for both personal and business use.
  • You as a driver are not considered to be an employee of the ride-sharing company.
  • These are not company cars, it is your personal vehicle.

Atchley Insurance

Drivers are left in the gap between personal car insurance policies that exclude coverage for business use of a vehicle, on the one hand, and commercial insurance policies that are much more expensive on the other.  Commercial policies usually intend for the vehicle to be used exclusively for business purposes, anticipating little to no exposure from personal use of the vehicles.

At Atchley & Associates we offer some of the most competitive ride-sharing insurance programs available in California. Also known as transportation network insurance, ride-hailing or ride-sharing insurance, we can advise you in the process of navigating this new territory.

New options tailored to Uber driver & ride-share insurance California. There are only a few Insurance companies testing the waters with policies designed specifically for uber driver & ride-sharing insurance California drivers. If you are an Uber driver & ride-share insurance California, we here at Atchley & Associates Insurance are ready to help you understand what you need to know to safely and securely venture in to the ride-sharing industry.

Don’t get caught in a vulnerable position, let us educate you and walk you through the process of making the best choice for you.

Call us or get a quote online now.

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