Driving a limo is surely a thrilling experience. But the bigger the thrill, the bigger the discomfort if anything goes wrong. Regardless of whether you are using your limo for business purpose or solely for personal ones, you want to be covered in case of any unfortunate accident. Not to mention you need coverage in case any liability claim falls upon your shoulders.
Because limo usage can be very different from one person to another, you need to analyze your need carefully before choosing an insurance plan.
Most limo insurances can provide you with the following:
1) Personal Injury
Personal injury insurance covers the costs of a variety of unexpected incidents. These might involve medical bills, rehabilitation and whatever costs occur due to the physical harm. This type of insurance covers not only the passengers but also whatever third party might be injured.
If your limo usage revolves around important customers, then this is one big must have as part of your limo insurance.
2) Physical Insurance for Limo Drivers
If using the limo is part of your business, you will have to make sure your drivers are also covered, especially in cases of bodily injuries. If they are ever at fault for whatever accident, this insurance option will keep them and consequently you, covered. Legal fees are not to joke about and finding that your company is being sued can take a toll on your resources. Better to be safe than sorry.
3) Property Damage
For cases when your limo driver is responsible for any property damage, this insurance can be a lifesaver. This plan also covers whatever legal fees might be involved in the case of trials – up to a defined, pre-established policy limit.
Another important part of limo insurance is the employment practices liability. This policy ensures that your limo company stays protected even if you might ever be accused of any wrongful demeanor towards your employees.
How Hard Is It to Find the Right Limo Insurance?
Finding the right limo insurance shouldn’t be that complicated. However, it does require some time to analyze carefully every option you have. Try to assess the usage you are giving to it. From estimating distance coverage, to how often, for what purposes and by who is your limo being used, these are all relevant factors to help you weigh in.
A great resource to make you land the perfect limo insurance is hiring a specialized broker. Limo insurances are clearly more exclusive, so you need to get a great match for your profile, especially if limo usage is part of your business.
That is where a broker can step in and help. Auto insurance brokers are very well versed in these types of deals, and they are clearly the ones to help you find the right policies for your needs. An insurance broker can make the process of finding a limo insurance faster and on a long term, cheaper.
A wisely chosen insurance can keep you safe from many unwanted future expenses. Keep these tips in mind when you are looking for the best deal.
If the task of looking for an insurance plan for your limo seems overwhelming, let the experts at OTTIS help you. We have the lowest rates and the best personal support you can find.
Contact us and request a quote.
