Construction Truck

COMMERCIAL AUTO INSURANCE

A properly written commercial auto policy is an important cornerstone of your overall insurance plan for reduction of financial risk to your firm. Correct coverage and limits are necessary to provide a level of protection for your assets from large claims. This can be accomplished by a thorough review of commercial auto coverage options to include include: liability, collision, comprehensive, medical payments hired and non-owned auto as well as many other optional coverage’s considerations Several questions you should be able to answer------

Did you know that how you control your fleet operations has a direct impact on the cost of your auto insurance. Do you have equipment attached to the bed of your truck? Is it mobile equipment? Is it covered? What is the definition of mobile equipment under your auto policy? Do you need “lease gap coverage, hired car physical damage or rental reimbursement?

A personal auto policy may exclude coverage for commercial uses of your vehicle and a commercial auto policy may be required

INLAND MARINE INSURANCE

Inland Marine Insurance generally covers property that is movable or transportable in nature and is generally a broader form of insurance coverage. This type of policy is written for both personal lines and commercial lines customers. Typical types of inland marine policies/types are

BUILDER RISK--INSTALLATION FLOATER--JEWELRY/FURS/COIN FLOATER--CONTRACTORS EQUIPMENT--DRY CLEANERS/LAUNDRY--MISC. PROPERTY FLOATER--MUSICAL INSTRUMENTS—COMPUTERS--FINE ARTS--SMALL TOOLS---MOTOR TRUCK CARGO TRANSIT OVERAGE--SALESMENS SAMPLES

Inland Marine can either be a stand alone policy or endorsed/added to an existing commercial insurance policy. In some instances IM coverage for property items can be less costly than standard property coverage as well as broader.

Call us today and speak with one of our commercial lines representatives regarding your commercial auto or commercial inland marine coverage options.