Snow plow drivers have a unique job. They usually do not work regular hours. They do not know if they will work every day or just a few times a year. They also handle dangerous situations. They can easily do damage to their vehicle or another person’s property as well.
All of these factors can make it a bit difficult to create a commercial auto insurance policy. If you are a driver, it pays to invest in an insurance agent that can work with you to determine the right coverage.
Protecting Your Property
If you need to insure a snow plow, good place to start is with property protection. Snow plow trucks are typically high-value vehicles. These tend also to have a plow and on-board controls that also require proper insurance.
Work with your agent to customize a policy based on the value of the vehicle. Keep in mind that you should consider the options in replacement cost insurance and actual value. Replacement cost allows you to replace the vehicle with one that is similar. Insurance that is actual value only pays you what the vehicle is worth at the time of the incident. This might be a big difference in price.
Maximizing Liability Coverage
A basic general liability insurance plan may only offer a limited amount of protection for snow plow drivers. It is usually best to amplify the coverage you have. There are numerous risks here including:
- Damage to another person’s car during an accident can occur.
- You may damage another person’s property.
- You may have an accident that causes the loss of life due to how large the vehicle is.
All of these factors may mean you need ample coverage beyond what is the normal amount of a standard policy. Work with your agent to get the coverage right.
Additional Coverage to Consider
Commercial auto insurance may also include other factors. You may need to invest in additional business insurance if you have employee drivers. You may need to consider collision insurance, comprehensive coverage, and medical payments protection. Many drivers also should have a workers’ compensation plan for drivers. Underinsured and uninsured driver insurance is also important.
To find the right coverage for your business, work with a business insurance agent. Discuss the options for commercial auto insurance that fits your specific business. Consider risks to your business and property. Discuss options for reducing your costs, too. Your agent can help you find the right level of protection for just about any need.