Public Auto
PROTECT YOUR BUSINESS VEHICLES
Public Auto Classes
- Church Buses
- Charter Buses
- Day Care Centers
- Group Home Autos
- Limousines
- Social Services/Non-profits
- Wilderness Expeditions
Additional Product Features*
- Additional Insured
- Audio-visual Equipment Coverage
- Drive Other Car
- Hired Car and Non-owned
- Liability Limits
- State and Federal Filings
- Waiver of Subrogation
*Please Note: Not all features are available in every states.
Coverages
Auto Liability
A liability coverage will protect the insured driver, additional insured drivers, drivers the policyholder has permitted to drive the vehicle, and employee or member of an organization/group covered in the policy. Always make sure to review the details of your insurance policy before making a claim.
Auto Physical Damage
Covers the medical costs of the policyholder along with anyone in the vehicle at the time of the accident. Before deciding to add this to your policy, you should find out what is and is not already covered in your policy. This would cover any physical damages collision damage (related to a collision with another vehicle or object and non-collision damage like flooding or wind). Exclusions may include vehicle accessories or upgrades, normal wear and tear damage, and using the vehicle for business without permission of the permission of the insurance company.
Excess
Excess insurance is when two or more policies cover the same loss and is applied after the first policy limit has been exhausted. This is mainly used for unique risks, extra high risks, and poor loss history.
Garagekeepers
Gatekeepers insurance covers legal liability for businesses that operate and/or provide services that requires storing or parking a customers’ vehicle in a garage/covered loaction. Provides protection in the case of fire, theft, vandlism, or collision and the total amount covered is based on the limit of your choosing.
General Liability
Covers financial amounts should contractor(s) be held liable to pay third parties for damages or medical payments due to bodily injury. Depending on your state and regluations you may be required to have this coverage. It may be a good idea to also look into Commercial Umbrella Insurance to further boost your liability coverage. Contact us today!
Uninsured and Underinsured Motorist
In the event that an accident occurs and the third party is held completely liable but does not have insurance, this policy will help cover the financial costs. Another sceanrio in which this policy will also be implemented is if the liable third party does have insurance, but it is not enough to cover the damages or medical expenses. In addition, there are irrsponsible drivers will commit a hit and run, so if they leave before exchanging insurance information you will be protected with this coverage as well. To be better prepared for these types of accidents contact us to proctect yourself and your drivers.
Limousines
Several factors influence limo insurance cost including location, vehicle value, vehicle size, driver history, and coverage needs. The premium will also depend on suburban area versus a large city, the age, value of your vehicle and if it is an older model versus a brand-new stretch limo.
Limousine insurance requirements and rating factors you will need to consider:
- Accident and claims history – Insurance companies will review claim history
- Drivers driving records – Insurance companies will ask for driving records
- Location of business – The area your business is located helps determine environmental and liabilty risks
- Make and Model – This helps determine the value of the vehicle
- Minimum coverage limits and your deductibles – you may be required to carry higher limits than state minimum coverage
- Vehicle’s length – Your insurance company may have guidelines for stretched vehicles
- Vehicle age and milage – Older cars may not be acceptable
Vans
Similar to the cost factors we noted for limousines the van’s value, size, age, milage, driver history and coverage needs affect the cost. Your business may be to transport products, goods, or people, and each have their own insurance risk. Driving around the city or countryside also has impact even the location of your business beacuse of environmental factors and the other types surrounding businesses near by.
Common vans types:
Cargo Vans – Normally a two front seat, windowless van with a large cargo area
Passenger Vans – These vans are commonly used for organizations such as churches and retirement home to transport their members, seats 12-15 people
Minivans – Used by companies as commercial vehicles
Minimum coverage limits and your deductibles – you may be required to carry higher limits than state minimum coverage
If you are unsure as to how much car insurance you need, we recommend checking your state insurance minimums and reviewing all the coverage options!
Continue Exploring
Contractors
Learn about the options for your employees and construction business.
Small Business
Learn about all the coverage options for your small business.
Trucking
Protect your goods, products, supplies, and so much more while on the road.
Health
Look over the different health insurance options for your and your family.
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