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All commercial drivers require insurance.
No matter how much we communicate by computer, no business in this country can get away without stuff. Most of that stuff is transported by commercial vehicle. Whether that stuff is pizza, hinges or executives, lots of companies need multiple vehicles. And those vehicles need drivers, working parts and insurance. Fleet insurance coverage will cover multiple vehicles and multiple drivers better than anything else.
What kind and how much will depend on how many vehicles, who will be driving and what you’ll be carrying. This isn’t something you want to find out after an accident. This is something you need to know before anyone gets behind the wheel.
That means you don’t just need insurance, you need the right policy for your company and that means getting the best insurer. Not everyone knows enough about commercial fleets to draw up a decent policy. Having bad coverage is almost worse than having none – you can wind up still breaking the law, owing money and having no business left to your name.
You have insurance options
When insuring multiple vehicles, there are plenty of options. You can buy individual policies for each one. This is really expensive. Not to mention making sure you have the right policy in hand for any given need. That means that if something happens you get to spend a lot of time making sure that the policy number you’re calling about is actually for the vehicle in the accident. And hoping the policy actually matches what the vehicle was doing or carrying at the time.
A fleet policy will make sure that you have comprehensive and specific coverage for your business. No worries about making sure this piece of paper matches that truck.
The right policy from the right company
Or, you can go with a fleet policy from an agency that knows about insurance for companies. Fleet insurance is likely to provide the best option for multiple vehicle needs. Fleet insurance usually provides coverage for four or more vehicles and they don’t necessarily have to be the same type. The cost will be much lower than trying to cover everything separately.
The right policy will also help you cover your cargo. That can matter more than the vehicle itself.
Finally, even the best driver can have an accident. This kicks up costs no matter who’s at fault. Fleet policies generally make is much cheaper to cover those drivers than individual ones.
Probably the hardest thing to do as an individual is making sure you’re in compliance with regulations that vary from state to state. Liability limits in Maryland aren’t necessarily the same as in Wyoming. If you’re going to pay someone to cover all these bases for you, you want to be paying someone who’ll do it right.
So, What’s next?
Regulations vary from state to state and no insurance policy is identical to any other. And the myriad of things you can have covered means you don’t have to pay for too much coverage, you can tailor it to your specific risks. Our coverages include:
Trucking Insurance USA specializes in a wide variety of coverage’s including: