What Insurance Companies Are Competitive For Livery

What Insurance Companies Are Competitive For Livery

When it comes to the business of transportation, one of the most important aspects of these businesses involves having the proper insurance coverage. For those who operate commercial limousine services, bus charter services, or have a fleet of vehicles for other purposes, having livery insurance makes sense in a number of ways. Because these businesses rely on dealing with a wide variety of people on a daily basis, it’s virtually inevitable that situations will happen that result in the need for livery insurance coverage. In order to know what insurance companies are competitive for livery, there are a number of factors to take into consideration.

Coverage Limits
When a business owner is attempting to decide on the proper livery insurance, one of the first things to take into consideration is coverage limits. Whether a business has only one limo or a multitude of vehicles, knowing what insurance companies are competitive for livery can provide coverage limits from $5 million up to as much as $20 million, ensuring any business can be protected in the event an incident happens.

A Variety of Services
For businesses that are in need of insurance, determining what insurance companies are competitive for livery involves knowing what services are available. Some of the most common services used by personal transportation businesses include:
–Bodily Injury and Property Damage
–Physical Damage
–General Liability
–Garage Liability
Within these different types of coverage, some of the key components include uninsured motorist coverage, underinsured motorist coverage, medical payments, and personal injury protection.

Knowledge and Experience
Perhaps most of all, knowing what insurance companies are competitive for livery includes working with an insurance broker who has the knowledge and experience needed in this specialized area of insurance. By doing so, an agent can talk with you about the specific needs of your business, then tailor a policy that ensures as much coverage as possible for numerous situations. In addition to this, the best agents are often independent, allowing them to work with a number of different companies in order to get the best deals for their customers.

Contact an Agent Today
In order to have a complete understanding of what insurance companies are competitive for livery, the best thing to do is contact a knowledgeable and experienced insurance agent. By doing so, you and your business can begin to discover the many aspects of livery insurance, all of which can help protect your business in the event an accident or other incident occurs.

Best regards,
Gary Hanson
Professional Insurance Strategies, LLC
2822 W. Northern Ave
Phoenix, AZ 85051
3655 W. Anthem Way A109-283
Anthem, AZ 85086
623-463-9001 Fax

New Limousine Insurance Programs: Arizona, Nevada, New Mexico

ew Limousine Insurance Programs

Driving a limousine, whether it is bought or rented, is an important responsibility. Limousine’s generally attract a great deal of business, but with that come concerns about safety, damages and possible liabilities. For example, a typical limousine will take ten to twenty separate trips in a day. That is hours on the road, with twenty to thirty customers to interact with. The possibilities of a car accident, someone getting injured, and/or a liability case are high.

New Limousine Insurance Programs:

Due to the nature of driving a limousine, it is vital for any driver/company to have limousine insurance that protects them from the unexpected. No matter how careful a limousine driver is, there is no way for them to be able to guarantee that an accident will not happen. These accidents usually involve one or two other parties, and could result in injuries to the driver and/or the passengers. In such a case, having comprehensive limousine insurance will be a life saver.

Not only do new limousine insurance programs ensure that drivers and companies are completely covered from any liability, they also pay for all damages to the vehicle and for any medical costs associated with an accident.

Other policies in the new limousine insurance program are specifically designed to meet the needs of this industry. There is complete insurance coverage, along with additional income protection and identity protection policies.

Here is a detailed look at a sample limousine insurance policy:

1. All inclusive programs that include automotive liability, physical damage, employer’s practice liability, pollution coverage, and property coverage.

2. One company that can provide limo insurance, life insurance, medical, dental and disability payments, along with prescription drug policies.

3. Worker safety policies and workers compensation insurance.

4. Occupational accident, disease and accidental death/dismemberment insurance.

While a limo driver/company may think that a few of these policies are over the top or unnecessary, they can end up saving the company thousands of dollars. For example, paying an extra $10 a month for workers compensation insurance is hardly a big deal, especially when you look at sample workers comp lawsuits that result in tens of thousands of dollars in claims.

Having the right new limousine insurance programs for a limousine company is vital in ensuring the long term stability of a company. No company can survive five or ten years, especially in such a fluid industry, without a fantastic insurance policy backing them up.

Best regards,

Gary Hanson
Professional Insurance Strategies, LLC
3519 E. Shea Blvd., Suite 120
Phoenix, AZ 85028

623-551-6716 Fax