Most Important Benefits to Get With Truck Insurance
Truckers need to insure their vehicles, and for most, they simply look for the most cost-effective policy at the most reasonable price. It is vital to get good coverage, but as you are speaking with various truck insurance brokers, there are other qualities to look out for. There are numerous benefits to be gained, but you need to seek them out.
Assistance with Resolving Inaccuracies
A big component of the cost of someone’s insurance policy are prior claims and driver motor vehicle reports. Therefore, a trucking company that has had some accidents in the past will have to pay more for the same policy as a company with a clean history. However, various government agencies make clerical errors all the time, and it is entirely possible a company that has never had a problem will have a mark on its record. When searching for a new insurance provider, it is helpful to try to find an agent who will lend a helping hand in these instances. An insurance agent will most likely have greater success convincing an outside agency to change an error.
Availability to Talk
You will find yourself in situations where you need to talk to your insurance agent and the last thing you want is to deal with someone who is hard to get a hold of. As you are reviewing different policies, pay attention to how easy it is to get in touch with someone. You may contact an agency and get put on hold for a while only to be told the agent is currently out of the office. You want an agent and agency who makes an effort to always be accessible and a live body answering the phone.
Willingness to Give Options
An insurance agent should be there to give you exactly what you need and ask for. An agent will most likely inform you of different services you could potentially benefit from, but ultimately, it comes down to what you and your company need. Always look through a proposal yourself before making a purchase. An honest, upfront agent will tell you everything and not leave out any important details. That kind of transparency should be a priority for you in selecting an agent.
Buying insurance means you are entering into a partnership, and you want to make this union as viable as possible for years to come. Pay attention to what you are truly receiving to get the most out of it.
What to Know About Catering Truck Insurance
Food trucks have grown in popularity in recent years. Many consumers appreciate the fact tasty food can be delivered to their home or business. If you operate this kind of vehicle, then it is vital to get it insured. It needs to be insured no matter what because it is a vehicle, but if you sell food, then you need to obtain a specialized catering truck insurance policy. When pursuing this, it is vital to keep several points in mind to get the best coverage out there.
Buy From an Experienced Food Truck Insurance Agent
Since food is being sold from the truck, different types of policies are required. That means an operator of a catering truck needs more than simply a standard auto insurance policy. For this reason, it is good to work with an agent who has dealt with catering trucks in the past. Someone who has never done this before may be willing to take on the job but does not understand everything that needs to go into the policy. Experience matters in the insurance world.
Get Every Policy You Need
Owning a company vehicle usually requires the owner, whether it is an individual or company, to have commercial auto insurance. A catering truck requires much more than that, such as:
- Auto Liability Insurance: Vehicle insurance should cover damage caused by collisions and damage caused by fire or other natural disasters. It is also good to acquire uninsured coverage in case you end up in an accident with someone else lacking insurance.
- Commercial Property (Equipment) Insurance: This covers additional property you own outside of the truck. That includes kitchen equipment and any computers you need to operate the day-to-day actions.
- Commercial General Liability Insurance: This insurance protects you in case of property damage or injuries you cause in your food services business.. If the food from your truck makes someone sick, then commercial general liability coverage protects you.
- Workers’ Compensation Insurance: Various employees need to work on a catering truck including the driver and the cooks in the back. You need to ensure employees injured in a vehicle collision or from getting hurt in the kitchen have safeguards in place.
Catering truck insurance technically consists of several different coverages, and they are all essential. Professional brokers will assist you in finding a policy that covers everything you need, so you can operate your business with peace of mind.