Like any other insurance, this type of insurance provides a safety or compensation. You could need this type of insurance in cases when a client or a customer sues you for not handling his goods properly or for negligence. For instance, your employee brings in a suit and it gets dropped on the floor, your customer could claim for negligence. This will help the customer to get a compensation for such losses.
This insurance could also cover for bodily injuries of you employees etc. This policy helps you save time on the court and solve matters without getting involved in litigation and offers u a way to solve problems out of court. We could help you solve your problems by solving your problems out of court and looking after such problems. You don’t have to appear in courts. Your time is precious and we will offer a plan for such problems. This insurance does not cover employee injuries. For an injury, you will have to opt for workers’ compensation insurance. Also, this insurance does not cover professional mistakes. If you make a mistake or an error which is considered as a professional negligence. Professional liability insurance covers this type of insurance. It also does not cover Auto related coverage’s.
Why Does an Independent Route Owner Need Inland Marine Coverage?
If you are a marine driver and are transiting with cargo, this insurance covers your cargo whilst transit. Most of the time this insurance is bought with another existing insurance already. This is add-on insurance. This insurance was originally created in the 17th century by the respected Lloyds of London. It was originally limited to cargo in the ships but then they started covering cargo in transit too. Now days inland marine insurance is usually bought by people who are away from the ocean and do not wish to transport anything via ship. If you have equipment or material that is frequently on the move, it is at an increased risk of getting damaged. Goods or materials that are on the move could be insured using this policy.
If you have expensive an expensive delivery and you are concerned it might get damaged during the transit then this is the insurance you could opt for. If you are in such a situation you could contact us and ask for a quote. We will ask you for your name and cargo details, after a simple process we will offer you with the quote. Our team will get back to with the exclusions and other terms of the policy. You will be explained the terms and conditions of the policy and what it covers and what it does not cover.
Why do Independent Route Owners need professional liability insurance?
As we know that personal auto insurance may not cover all claims, they are also rated differently and do not cover a vast scope of claims so you may require professional liability insurance. For people who are business managers and business owners may find this helpful. If you have a truck you can’t have personal auto insurance for that so this insurance policy may offer a solution. Also, if your vehicle is used for other purposes other than commuting you will need this insurance. You could contact us for a quote and we will get back to you.
Types of Commercial Liability Insurance Coverage’s for Route Delivery Driver
This insurance covers a business from actual negligence or errors made during operation like failing to deliver a service, defence costs – provides legal support when a claim is made, personal injuries, copyright infringement and professional liability. Our company will ensure safe operation of your business.
One of the most important things to do is to check the contents of your rental package, including your insurance, roadside assistance, baby seats, GPS, free miles and much more. These are not always included as standard, so it is wise to check exactly what is included before you rent a vehicle from any car hire agency.
Once you have been provided with this information from the company, make sure that it is all written down clearly in a contract so you are sure of what you are getting before you part with your money. Verify these details well before you set off on your vacation so that you are completely sure of what to expect.
The next thing to do when holidaying abroad and using a car hire company is to ensure that you are aware of the driving laws in that particular country. Many countries will drive on different sides of the road, have varied signage, have different kinds of driving culture and so on. These will all affect your experiences on the road on your vacation.
A good car hire company will inform you of all of this, ranging from what to expect from other drivers on the road to how to read signs well so that you do not get lost or take a wrong turn. Information from an insider in the country can be extremely helpful, so make sure to check with natives as well as other people who have already celebrated in that particular country.
It is also a wise idea to check how you are collecting your vehicle before you embark on your plane, train or ferry. Many companies offer airport car hire, where you can simply arrive at the airport and someone will be waiting to hand over the keys to your car. This is a very simple and convenient option that many people choose.
However, do not assume that all companies offer this. It is essential to check and double check the arrangements for picking up your vehicle, whether you have opted for airport car hire pick-up or instead have chosen to collect the vehicle from the agency itself. Having all details in order will ensure that everything goes without a hitch when you disembark from your plane in the country.
Finally, check that you have chosen a vehicle that is perfectly suited to your needs. You may be traveling with a large family, and therefore will need plenty of seats plus ample room for luggage; others may be traveling with an elderly person and therefore need a vehicle that is easy to get in and out of.
Make a thorough list of your requirements beforehand and make sure that your car hire agency is aware of them.
It is not unheard of for agencies to 'swap' your car with another in the same category at the last minute due to demands of other customers or other issues. However, if you have some very specific requirements, you should absolutely ensure that they are respected as part of your contract.
These four pieces of advice can ensure that you vacation abroad goes without a hitch, regardless of where you are traveling to and who with. Make sure that your package includes everything you need, that your airport car hire pick-up is in place, that you have booked the right vehicle for you and that you are aware of driving customs, and you can look forward to a great trip in your rental vehicle.
What is a recreation vehicle? Do I need to insure it?
The first questions to answer would be, what is a recreation vehicle and why would you choose to insure it.
A recreation vehicle is one that you would normally use to fun/relaxation. For example if you normally use your car to commute but on week-end drive a motorcycle then the motorcycle is considered to be a recreation vehicle. But on the other hand you use your motorcycle to go to work on hot days then the bike is no longer considered to be a recreation vehicle.
Some of the more common recreation vehicles are:
* Moto-cross bikes/trail bikes/Quad bikes
* ATV’s (All Terrain Vehicles) sometimes used for trail rides or hunting
* Travel Trailers
* Personal Watercraft (jet-skis, Inflatable and so on)
Do you need to get a recreation vehicle insurance?
In almost every case the answer is yes, the most common reason is because most good insurance company will not charge you a premium for using a vehicle from time to time. You are usually not penalised for having a recreation vehicle. In most cases a recreation vehicles is well looked after, and because, by definition, it is only used once in a while, most insurance company will offer some very low quotes.
But the other important reason is because most recreation vehicles are not used as often so the likelihood of something happening increases.
You must accept that you are not as familiar with that vehicle as you are with your everyday one. So the likelihood off an accident increases.
You should always check with your insurance company that your insurance is up to date; it is often easy to assume that a vehicle is covered for, say, 12 months when in fact it is only covered for 6 months.
You must also ensure that you are carefully following the policy, if your recreational vehicle is an RV, (Motor home or Caravan), does your license allow you to drive it?
Is the vehicle itself ‘legal’, (can it legally be used for the purpose you are insuring it for?)
Remember that is almost all cases, breaking the local laws will null and void the insurance policy.