If you drive a commercial vehicle, you will have to insure yourself with more than just the ordinary insurance. Here is an article by Linda J Blakeney about this topic.
Finding a Commercial Auto Insurance Company
The road to success cannot be driven without company vehicles, which is the way it is for many business owners. They are essential to the company's livelihood and is key part of the business' continued operations.
You should never consider driving your business vehicle without the right insurance coverage, just like you'd never consider going on a job without all the necessary tool of your trade. It is tricky finding the right commercial auto insurance company. It is so important that you select one that meets the needs of your business because there are a lot of companies offering commercial auto coverage.
Of all the factors you'll need to take into account that will have the biggest impact on you and your business will be the company's experience with commercial auto insurance and the claims service they will give. As you consider different commercial auto insurance companies here are some questions you should ask your self or you independent insurance agent:
- What types of businesses do they have experience with? Are they familiar with your line of work?
- How long has this company offered commercial auto coverages?
- Will they understand the needs that are unique to your specific line of business?
- Can they be sure that you will get the right coverage for your business?
- Does their customer service excel? You need fast, correct and focused on your profit, 24/7 service. And because you can't count on having the time to deal with such matters during regular business house. You may need them to handle your insurance business need on nights and weekends.
- Do they offer competitive and flexible products?
- How about their payment options?
- What about comparing the types of coverages, payment options and payment plans that can help small business owners to keep up necessary cash flow.
- How about their demonstrated record of claims experience?
Vehicle down-time kept to a minimum is vital to any business. Your profits are affected by every minute your vehicle is out of commission. Is this company known for its efficient claims service and fast, fair resolutions? For many businesses, keeping their company vehicles on the road is critical for continued success.
In many state there is a state law that you must have vehicle insurance before using or keeping a motor vehicle on public roads. Most jurisdictions relate insurance to both the car and the drivers; however the degree of each varies greatly.
Several jurisdictions have experimented with a "pay-as-you-drive" insurance plan which will be paid through a gasoline tax. This would address issues of uninsured motorists and also charge based on the miles driven, which could theoretically increase the efficiency of the insurance, through streamlined collection.
Linda J Blakeney
Office Manager
Murphy & Associates Insurance Agency, Inc. is an Independent Insurance Agency located in Tulsa, OK. We provide affordable insurance solutions to businesses and individuals. We write all kinds of commercial and personal insurance but we have specialized programs for the following industries: Trucking/ Transportation, Construction, Propane Distributors and Oil & Gas.
Thank you Linda! That was very helpful.
Nadav
nadavs
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