Taxi Insurance in Montana
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Professional and Affordable Taxi Insurance in Montana
As the owner of a taxi or transportation business, you are responsible for protecting your drivers, vehicles, and passengers from the many risks of the road. If you operate in the great state of Montana, you must ensure that you comply with any minimum insurance requirements set by the state. Investing in comprehensive taxi insurance will protect your business as a whole and allow you to thrive while you drive!
The type and level of insurance you need will vary depending on many factors, including the type of business you operate, whether taxi, limo, shuttle bus, etc. If you have any doubts about what kind of insurance to purchase, talk with one of our specialized agents about your options and we’ll put together an affordable, detailed quote for you. We offer quick processing of certificate and AI requests, multiple points of contact, quick quote turnaround, and solution-based thinking for all your insurance needs! You can operate your transportation business with confidence, knowing that OTTIS has your back.
How Getting Montana Taxi Insurance Works
Common Questions about Montana Taxi Insurance
Are there different types of taxi insurance?
Yes, the three most common types of taxi insurance are third party insurance, third party fire and theft insurance and lastly, comprehensive insurance. Third party insurance is the most basic that covers the cost of compensating other people for injury or damage caused by your drivers, but not injury or damage to your drivers or vehicles. Third party, fire and theft insurance is a mid-range approach that covers everything listed in third party insurance plus damage to your taxi caused by fire or theft. The third type, which we highly recommend, is comprehensive insurance which covers all the above, plus protection for your drivers and vehicles.
What factors determine the price of taxi insurance?
The primary factors are: 1. The coverage you select; 2. The location of your business; 3. The specifics of your taxi cab(s), including the make, model, year and size of the vehicle, and the number of vehicles and drivers in your fleet; 4. Your business’ hours of operation and how many miles you drive each year; and 5. The driving record of your taxi driver(s).
Is auto insurance mandatory?
Yes, auto insurance is mandatory in every US state. However, insurance laws vary by state, so it’s best to visit your state government’s transportation website. Important note: taxi insurance is legally required as well if you drive a taxi for a living. Taxi insurance is extremely important in order to protect you, your car and your customers.
What is the difference between taxi insurance and regular car insurance?
The difference lies in what coverage is included in the policy. Auto insurance covers claims that result from an accident, but does not cover general claims relating to a company’s business practices. Taxi insurance covers the vehicle, the driver, and any passengers or bystanders should an accident occur. Taxi insurance can also cover vandalism, theft, fire, and damage from accidents that are the company driver’s fault.
Hear From Our Current Customers
“I have known the Oswald Insurance Agency since my teen years (well over 15 years!), and I cannot speak highly enough of David! He is helpful in the extreme, always goes the extra mile to find what is right for you, is caring and considerate, and just a joy to deal with! David is my most trusted advisor for not just insurance, but finances in general. If you’re looking for a trustworthy person/agency to deal with, look no further!”
– Rachel (Google Review)
“We have enjoyed a long time business relationship with Oswald Insurance. David has been such a value to our company over the years. David knows what he is doing. His whole staff is A+”
– Kristi (Google)
A Few of the Cities We Proudly Serve
- Great Falls
- Butte-Silver Bow
- Anaconda-Deer Lodge County
- Helena Valley Southeast
- Miles City
- And more!
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