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Who Needs Fleet Insurance?

April 22, 2012 By

Whether you have one vehicle or many, if you use your vehicles for any commercial purpose at all, you need commercial or fleet insurance for your rolling stock. This is very important because if you do not specifically cover your vehicles for the purposes for which they are used, you may find a claim being denied you by your insurance company at some future date. Even if you just drive your car to work and use it for business appointments, you should have business, commercial or fleet coverage – even a fleet of one.

Fleet insurance has pretty much the same legal requirements as personal auto insurance. However there are exceptions because states do have different rules. Statewide can help you with this.  It is especially important  if your vehicles operate across state lines.

If you have trailers, liability insurance isn’t needed for them because they are not vehicles. Generally, the liability insurance of the vehicle towing also covers the trailer. It is important to note that comprehensive and collision coverage for the trailers generally need to be written separately though.

Here are some other important points:

  • make sure all drivers are listed under the fleet policy. If a driver is not listed, there is no coverage if they get into an accident;
  • most fleet policies will not cover drivers under the age of 25;
  • the drivers must be properly trained and licensed on the vehicle they are driving; and,
  • the drivers must have good driving records.
  • that your equipment and goods inside the vehicles must have separate coverage for theft and vandalism and this is usually covered by “inland marine” coverage which is a separate policy.

Statewide Insurance will help you find the right insurance coverage for you and your vehicles. Whether you have a large fleet or a small one, we have the experience and knowledge to help you get the coverage you need at the price you can afford.

Call Statewide Insurance Brokers at (888) 258-0272 today for fast, free quotes on your insurance needs.

Adequate California Commercial Auto Insurance Is A Must

August 31, 2011 By

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Hurricanes are just one concern, along with earthquakes, mudslides, tornados and more.

Natural disasters are rarely considered when purchasing commercial auto insurance, but with the recent geographical and meteorological events in the U.S., this might change.

The article here discusses the vital necessity for businesses to be insured, and one of those needs is commercial auto insurance.

Commercial auto is no different than any other business insurance. If you have your big vehicles and trucks insured, you’ll be a lot less concerned about Mother Nature wreaking havoc on your invaluable assets. After all, if your trucks or equipment go down…you go down.

So don’t take chances. Get your investments insured and rest easy knowing you are covered for when the unpredictable happens.

Call Statewide Insurance Brokers at 888-258-0272 today.

California Commercial Vehicle Insurance—Protect Your Vehicles

June 22, 2011 By

California commercial vehicle insurance statewide insurance brokers

Call Statewide Insurance Brokers for your California commercial vehicle insurance needs

If you are a contractor in California, commercial vehicle insurance is a must-have. You need to learn about the laws of insurance in the state of California because they are different than any other state. It’s important that you find an insurance company that deals with insurance for residents of the state because they will be the most educated on your needs. Any vehicle that you use for your work as a contractor needs to have commercial insurance, no matter whether it’s the truck that you drive to the job site or whether it’s a company truck that is used for deliveries and hauling.

California commercial vehicle insurance costs are different for everyone, and depend on the coverage that you purchase. Basic liability coverage is often something that a lot of people look at, but the reality of the situation is that most people need more than just basic coverage. You really need to look into full coverage so that you can get protection from all types of events. Imagine if your vehicle is on a job site and an earthquake hits. If anything happens to the vehicle and you don’t have the right coverage, you’re out of luck.

Of course, earthquakes are not the only thing that you have to worry about. You should also consider any situation that could go badly and cause damage to your vehicles. If they are being used for work and aren’t insured with California commercial vehicle insurance, you’re going to be stuck footing the bill yourself in the end. In the state of California, you have to tell the insurance company how your trucks will be used and the size of your fleet. The minimum coverage required in the state is liability protection, but the limits of that coverage requirement will vary depending on the type of commercial vehicles that you are insuring.

As a business owner, you need to protect all the aspects of your business. This includes purchasing California commercial vehicle insurance for your trucks and other work vehicles. Your contracting business won’t be successful if you don’t have the right insurance protection so make sure that you get the coverage that you need. With the right resources and information, however, it will be easy for you to get the commercial insurance that you need for your work vehicles. It doesn’t matter how many you have or what they’re used for, because unless they are declared as commercial vehicles and insured accordingly, you’re putting yourself and your business at risk.

Statewide Insurance Brokers can help you obtain California commercial vehicle insurance. Call us today at (888) 258-0272.