What Type Of Fleet Insurance Will Suit Your Business
If you have a business that has a fleet of service or delivery vans
, finding the proper fleet insurance is important to protecting your business and personal assets. No matter what kind of vehicle fleet you have, there are some guidelines to think about, when you are selecting the proper insurance cover to protect your assets.If you have heavy goods vehicles or a fleet of lorries, finding the proper haulage insurance might include a number of covers that might not be the same as those required for tradesmen that are working with one company vehicle and can be protected with van insurance packages.
On the other hand, public liability and employees liability insurance are covers that are legally required, no matter what types of vehicles and whether you have a fleet of vehicles or not, if you have employees that are driving on the roadways. There are some fleet insurance policies that will include a number of separate covers to provide for most needs and there may be certain discounts your business will be eligible for. Some insurance covers will be optional, such as breakdown cover, legal expenses cover or goods in transit cover, but they are protective covers that can offer value and save expense, if you need to use them.
It is important that you research several options, when searching for insurance to cover your fleet vehicles, because pricing can vary and some companies offer discounts based on the number of vehicles, your company's claims record or safety and driving records of the fleet drivers. Not all insurance carriers are identical, when it comes to insurance for a fleet of vehicles and there is a difference between policies that are offered for multiple vehicles and a fleet of vehicles, in most cases.
For those that have a business that has valuable goods in transit, or hazardous and dangerous materials in transit, there may need to be some adjustments made to insurance policies for your fleet and sometimes, there will need to be specific reporting done, to satisfy the insurance carrier and the transport authorities, for example. In the event of an accident, a theft or a fire, the insurance carrier will need to know if there are increased risks that might exceed the limits that are normally pre-set for your fleet insurance, as an example.
When it comes to the proper insurance cover to protect your business, there are a variety of things to consider, including building and contents for your property and equipment, general and employee liability, and when you have a fleet of vehicles on the roadways that might be carrying another's valuables, there is increased risk.
Goods in transit insurance might need to be part of your insurance cover and breakdown cover can help with unforeseen expenses for fleet repairs, but it is a matter of tailoring your business insurance to meet your particular needs. You want to be sure to protect your business and personal assets and having the proper insurance cover for your fleet of vehicles can be an important part of your business insurance needs.
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