Do You Need Auto Insurance if You Own a Vehicle for Your Business?

Many people think that if they have some form of auto insurance for all vehicles that they drive, that’s enough to cover them in the event of any type of accident, theft, or collision. Contrary to popular belief, however, this is not the case in some situations.

There are some instances in which you must have different types of auto insurance to cover your vehicle. Namely, if you are driving a car, truck, or any other form of vehicle for your business, you need to have what’s called commercial auto insurance.

What is commercial auto insurance?

Commercial auto insurance is essentially the same as typical personal auto insurance. The main difference is that it covers your business vehicles.

Let’s say that you make your own furniture. When someone buys a table from you, you deliver it to their home and collect payment. If this is the case, you’ll need to drive a large truck to deliver the table, which means you’re driving a vehicle for your business. Even if you only end up delivering your furniture ever once in a while, you still need to have commercial auto insurance for your truck. That’s because if you were to get in an accident when delivering furniture in your truck, your personal auto insurance would not cover the damages.

Contact Citywide United Insurance Services Today

El Centro, CA residents who are on the lookout for auto insurance should contact Citywide United Insurance Services for assistance. One of our agents would be happy to sit down with any resident of El Centro, CA to discuss the myriad of auto insurance coverage options available. To start with, stop by our nearest location or give us a call. We look forward to hearing from you!

Commercial Insurance Should Be One Of Your First Business Decisions

So you have decided to open a business in the El Centro, Ca area? One of the first things you need to consider, once your idea becomes a reality, is purchasing reliable commercial insurance from Citywide United Insurance Services. Commercial insurance is designed to cover the items that help you run your business on a daily basis. If you suffer a covered loss, you can get back on your feet and back to normal in a short time.

When To Purchase Insurance

You have a name for your business and a concept, and next comes purchasing equipment, office supplies, electronics, and more to get your business up and running. Once you have purchased all of the products and equipment you need to open, you should begin to look for a commercial insurance provider. The sooner you protect your investment, the easier you can rest knowing that you can recover easily from a loss. Don’t wait to purchase your insurance after you open. Unfortunate events can occur at any time, and you don’t want to leave your investment vulnerable to chance.

How Much Coverage?

When determining coverage amounts, you should add up all of the companies physical assets such as electronic equipment, heavy machinery, supplies, office equipment, and inventory. Once you have an accurate figure, you should then purchase insurance that is rounded up to the next available amount. If you are unsure about selecting a coverage amount, your insurance agent can help you make the right selection so you don’t have to worry about getting back on your feet quickly after a covered event.

Don’t leave your business without coverage. Protect your property and all of the assets you need to make your company thrive. Contact Citywide United Insurance Services in El Centro, CA today to get started protecting your business today.

The Basics of Buying Home Insurance

If you are about to settle into a new home and you need to purchase homeowner’s insurance, you don’t need to worry much since Citywide United Insurance Services will take you through the entire process, especially if you reside in El Centro, CA and its surroundings. Below is a basic guide on how to purchase a home insurance policy.

Compare different quotes

There different types of insurance quotes offered by our agency depending on the amount of protection you require. By visiting our agency, you will get a chance to choose the best quotes to ensure maximum benefit. You can also use our online rating tool for quotes on home and auto insurance.

Decide the amount of coverage you need

The value of your home insurance is determined by the amount you would need to rebuild the house and repair damaged property. The rebuilding cost will depend on the house size, building materials used, and house details/design. Notably, home insurance will give you a coverage of your possessions based on 75% of your home insurance value. As such, if your home is insured for $200,000, the maximum coverage of your possessions will be $150,000. However, home insurance policies have a lower coverage for certain items such as artwork, jewelry, and special collections. To avoid liabilities, you should purchase a different coverage for such items.

Choose your deductible amount

An excellent way to lower the premium costs is to choose a reasonable deductible amount. An amount of at least $1,000 will discourage you from filing small claims, and help you avoid the risk of losing a claim-free discount or being dropped by the insurer. Also, the deductible amount should be kept in an emergency fund to cover the deductible each time you wish to file a claim.

Finally, Citywide United Insurance Services advises you to check the insurer’s complaint record to gauge the satisfaction of previous clients. Considering that El Centro, CA is a moderate risk zone, it is advisable that you purchase a home insurance policy for your new home.