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ypically, there are three levels of coverage for commercial fleet insurance.
Comprehensive Insurance Coverage
Even though comprehensive coverage is the most expensive type of commercial fleet insurance, it also will offer you the most protection. Specifics can vary depending on your policy. However, this policy typically compensates for
- Your own- or third-party vehicles
- Any injuries to you, your passengers and third parties
- Both circumstances are from a fault or non-fault accident.
Third-Party Fire and Theft Coverage
A third-party fire and theft policy is a mid-range priced policy. It will cover damages and losses to third parties and their property. Additionally, it will cover for losses you sustain because of theft or fire.
Third party coverage only
Third party insurance coverage is usually the least expensive type of insurance. However, you need to remember that only the third party cover will take care of it.
- Damage to third parties
- Damage to other people's property or vehicles
- No injuries to others
- No injuries to your passengers
With this level of insurance coverage you will not receive compensation for damage to your property. Although you will pay a minimum to get this cover, you will need to decide if you can afford to repair or replace it in the event of damage to your property.
Here are some tips to help you get the most out of your commercial flat insurance
Review your policy carefully and make sure that any additions to devices or personal items are noted.
Talk to an insurance professional about making your policy a 'no driver' policy or a 'designated driver' policy.
- One can benefit your situation more than the other.
- Check the limits of your responsibility often.
- Add new drivers to your policy as soon as possible and remove drivers that no longer work for your company.
- Good driving and proper training can lower your rates.
Poor insurance or insufficient insurance can both be potentially disastrous for a business. You rely on multiple drivers with your fleet. This allows for many unexpected situations. Can your existing insurance cover protect your company from many potential accidents? Contact Grace Insurance and talk to one of our experts in Commercial Flat Insurance. You can have peace of mind knowing that you are ready and safe.
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During your time in business, you have likely had the pleasure of seeing your company grow. Now you have a fleet of commercial vehicles and drivers under your wing. You have a lot to be proud of and even more concerns on your mind..