Insurance - some recommended coverages for larger accounts
Garage & Auto
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General Liability............................................................ |
$1M/3M |
|
Auto............................................................................ |
$1M |
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Garage Keepers Legal - $1,000 Ded............................... |
$500,000 |
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Uninsured/Underinsured Motorist.................................... |
State law |
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PIP/No Fault................................................................ |
State law |
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Phy Damage - $1,000 Ded............................................. |
ACV |
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Medical Pay................................................................. |
$5,000 |
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Fire Legal Liability......................................................... |
$100,000 |
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Dealers Physical Damage..............................................
(Used Cars - Optional) |
$100,000 |
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On Hook - $1,000 Ded................................................... |
$250,000 |
Property
| Building/Contents...... |
Repl. Cost |
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Tools & Employee Tools................................................ |
Inc. |
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Business Int/Extra Expense........................................... |
Per Limit |
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Tools & Radios Off Premises.......................................... |
Per Limit |
|
Special Form................................................................ |
Inc. |
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Deductible.................................................................... |
$500 |
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Coverage Descriptions
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BUSINESS AUTO - The business auto insurance coverage is designed to protect your towing business in the event of an accident, theft, injury, and/or other damages involving your vehiclesand your employees while driving insured towing company vehicles.
GARAGE KEEPERS COVERAGE - This towing insurance form provides the towing business legal liability insurance protection for damages to your towing customer’s vehicles while in your care, custody and control for service, repair, or storage.
BUSINESS LIABILITY - This towing insurance form provides coverage in the event of a Commercial General Liability loss that causes injury or property damage. It insures your tow truck business against liabilities that arise from the daily operations of your business.
ON HOOK/CARGO - This towing insurance form covers the insured as legal liability on all lawful goods and articles accepted by the named insured, while in due course of transit or in the process of recovery by a scheduled vehicle. Coverage for loading and unloading is also provided.
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Towing application ( be sure and mark each blank with a "no" even if it doesn't apply)
Towing supplement ( must be filled out too)
Supplementals (only if you have more vehicles or drivers than blanks for on the app)
Employee Supplemental Application
Vehicle Supplmental Application
Employment background (Must - if you have less than five years in business )
Repossession Application
Supplemental Employee Application
Please call for any other forms or applications or have us fill them out for you.
We will also get you quotes from other carriers using these applications in most cases.
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