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2 years ago · by · 0 comments

Auto Insurance Quotes Comparison

auto insurance quotes comparison,

Looking for auto insurance quotes comparison tools? It’s important to know that you’re getting the best deal when it comes to car insurance. That is why it is important to compare quotes and find the lowest rates for your coverage.

There are a few things you’ll need to know when getting a car insurance quote: your driver’s license number, the make and model of your car, and the year it was manufactured. You will also need to know your home address and your date of birth. Some insurance companies may want to see your Social Security number.

How Much Auto Insurance Do I Need?

Once you know the right information, start to compare auto insurance quotes. Many companies will offer this online.

When you get a quote, it will show the cost of your auto insurance. You can ask for more discounts if you have homeowners or renters insurance with that company. You can also change your deductible or drop certain coverages to lower the price of your premium. Raising your deductible means that you will have to pay more money before your insurance company pays for any damage. But it also lowers the cost of premiums. Dropping certain coverages can lower the cost of premiums, but then you might not be able to get help if something bad happens with your car. When looking at auto insurance rates, think about which factors matter most and then make a decision that matches what you need.

When you look for car insurance, make sure that the price is not the only thing you are looking at. You should also read the policy carefully to make sure that it has all of the coverage you need and that it is affordable. If there are parts of your policy that sound confusing or cause you concern, ask questions until they make sense before signing on them. An insurance quote is just an estimate of how much it would cost to insure your car. There are too many factors that go into what the price will be. Remember, you need to tell the website about where you live and how often you drive.

How to get a car insurance Quote?

When you need a new car insurance policy, don’t just compare quotes. Find out if the policy is right for you and your needs. Ask questions if something isn’t clear, and then shop around to find rates that are best for you. You can save money on car insurance by doing a little research and making sure you have the coverage that is best for your needs.

When you are looking for car insurance, there are many things to think about. You can compare quotes and read your policy carefully to find the right one for you.

Also, when you are looking for a car insurance, it is a good idea to get quotes from many different providers. This way, you will know the price of your car insurance and which company offers the best rate for your situation.

Keep in mind that the price you pay for car insurance can depend on a lot of things. It can depend on your age, your driving record, and where you live. So it’s important to compare prices from a lot of different insurers.

You need to read your insurance policy so you know what is covered and what is not. Make sure you ask questions if anything makes you unsure or uncomfortable. You can’t sign the contract until it is clear for you.

Why are my insurance quotes so high?

Don’t wait to get started comparing quotes for car insurance. You can find out which company offers the best rates for your situation. It takes a few minutes and you can save lots of money on car insurance.

To find affordable car insurance, you will need to compare the rates from different companies. There are many different rates, so you will need to do your research.

When you compare rates, make sure to take personal situations into account. Different things like your age, driving record and where you live affect how much you pay for car insurance. So make sure to get quotes from a lot of different companies before deciding which one to go with.

It is important to make sure you understand your policy. Read through it carefully and if anything is confusing or makes you uncomfortable, ask questions before signing.

Do not wait to compare rates. It will take just a few minutes to find out which insurance is the best for you. You can save money on your car insurance if you are willing to put in some time.

Auto Insurance Quotes for Seniors

To get the best deal on your car insurance, you need to compare rates. Having different policies will help you find one that fits your needs.

In today’s world, the price of car insurance can vary. It depends on a lot of things including where you live and your age. To find the best price, you should compare quotes from many different insurers.

You should read your policy. You need to understand what is and isn’t covered. If there are any parts that you don’t understand, ask before you sign.

You should compare car insurance rates. It is a quick and easy way to find out which company will give you a better rate for your situation. You can save money on car insurance by filling out an online form.

When you get a quote for insurance, it’s important to give your information. This will help to get a quote that is good for you.

Some insurers need to know your name, age, and driving record before they will give you a quote. But you can find companies that don’t need this information when you compare quotes.

Auto Insurance Quotes for Young Drivers

It is important to remember that the price of car insurance can vary depending on a number of things. So it is important to compare quotes from a variety of providers.

Read your policy carefully to make sure you understand what is and isn’t covered. If there are any parts of the policy that are confusing or make you uncomfortable, ask questions before signing your name on the dotted line.

Look for the best insurance rates. It is easy to compare them and find out which company offers the best deals.

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2 years ago · by · 0 comments

Why Businesses Need General Liability Insurance

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General Liability Insurance

Do you thing you need general liability insurance? If you are a small business owner, you always need some kind of protection to safeguard yourself and your business. You might think you have everything under control, but even a single misfortune can be baleful. To avoid anything like that, it is advised to have professional insurance coverage. Read further to learn more.


This blog will help you understand the importance of general liabilities. Having liability coverage signifies a level of authority which can reduce some of the concern about your business. There are so many different policies that take care of the rights of both owners and clients and the claims made by either one of them. In this we will discuss General Liability Insurance and Professional Liability Insurance. Being an owner of any kind of business, you need to represent your business in the best way. You have to represent yourself as reliable and answerable. With General Liability Insurance, you can be at ease knowing that you have protection against unexpected incidents.


General Liability Insurance (GLI)  is designed to defend you and your business from claims involving bodily and property injuries resulting from your business. Purchasing insurance shows that you are well aware and understand the risks involved in your business. Here are few benefits of having General Liability Insurance.


1) Protection against bodily injury claims:


  • If the client trips over your tools or equipment and hurts his leg or hand at your business place, the client might sue you for his injury. However, if you have General Liability Insurance, there is nothing to fear.


2) Protection against property damage claims:


  • Many accidents can happen at the site like bodily injury. Another damage that can commonly occur is property damage. For example, if while at the work site a worker accidentally drops a tool and it causes damage to the newly laid wooden flooring of the property, the client can charge you for the damage. So in that case, the GLI will cover it all.


3) Reputational Harm:


  • As a business owner, you have to make sure that you maintain the reputation of your business and gain the trust of the clients. Depending upon your venture, the client may require you to have a GLI certificate.


Apart from the coverage provided by the General Liability Insurance. There are certain things that are not covered in the general liability insurance, like employee injuries or any illness. For such claims, there are other insurance that you can opt for. This insurance doesn’t give a claim for the error or the omissions your company provides.

There are other claims that are not taken into account of the GLI. Claims like loss suffered by the client because of the professional advice or service they received from your firm.



These type of declaration usually happen in the business profession like engineers, consultants, counselors, real estate companies etc. Such business requires Professional Liability Insurance that delivers professional services or gives professional advice to the customers buying this liability insurance.



Professional liability Insurance is also known as Medical malpractice insurance or error and omissions insurance, based on the profession. PLI imparts protection when the owner is sued because their work or services doesn’t meet clients expectations, incorrect advice, or failing to deliver a service. The biggest advantage of PLI is that it can save your business expense if you have to make a claim when sued by a client.



The Takeaway


In case you don’t have the PLI, you will be asked to pay fine and legal fees. Coverage in liability insurance is good if availed during the policy period. Incidents that occurred before buying policy will not be covered in the policy.


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2 years ago · by · 0 comments

Business Interruption Insurance

Why do you need business interruption insurance?  If you have an interruption in your business, you need to restart it as soon as possible. To do this, you need money. Business interruption insurance will give you the money that is needed during the time of restoration.

Business income insurance can be classified as Business Income & Extra Expense Insurance and Business Loss Income Insurance. This article explains both types of business income insurance and how they may benefit your company’s risk management program to help you deal with disasters, such as fire, flood or earthquake.

Business Income & Extra Expense Coverage

A business income policy pays for losses that happen because of the damage or destruction of your business property. It does not cover losses like money spent on overhead, taxes, and other costs that would not be incurred if it wasn’t for the loss. The limits vary by contract and you need to read it carefully before buying one.

A “period of restoration” insurance policy can protect you if your business property is damaged. This type of policy will provide money for you to restore or replace the equipment you need to resume operations. Period of restoration insurance does not cover lost profits or other indirect losses, like when your business income is interrupted.

Business Loss Income Insurance

This kind of insurance protects a business from losing money if something happens to it. It does not cover things like physical damage or the business being closed because of what happened.

This insurance type is sometimes called Actual Loss, Sustained Business Income coverage. It is usually purchased in conjunction with property insurance. It can provide you protection for up to 12 months while business income and extra expense coverage only provides protection for 3 months.

Business interruption insurance is when your business can’t operate because of some kind of disaster. For example, if there’s a big power outage on your street; you may be able to get money for that.

You can file a claim for business insurance anytime within two years of the loss. It is best to tell them about losses as soon as possible so that they have time to investigate it and figure out what to do with your claim.

Base premium rates are determined based on a formula that takes into account many variables. The main variable is location. For example, premium rates will be higher in an area with more expensive homes or businesses.

Period of Restoration

Coordination of Benefits: When there is a business interruption, your company pays for some of the losses. However, sometimes you also have losses from other insurance policies. COB provisions let you get full reimbursement without having to file a separate claim with your company and another one with someone else. A person is usually bound to the terms and conditions specified in their insurance policy.

There are different amounts of insurance for business income and it is important to know what you need. You can get $5,000, $10,000 or $25,000. Typically, business interruption coverage will pay out one time per year. If you want to pay for extra expenses each time they happen though, you can buy them separately. You can also get coverage that changes with the seasons and pays for your extra expense every time.

Additionally, if you have a business that is at your house, you should get a policy from an insurance company. That way it will cover the cost of repairs. If you do not get this, then any losses will be more expensive. So, this is a type of risk that would not be covered by your insurance. You need to know for sure if you want this policy because it could change the rest of your life. Know what you are getting into before you do it.

Business Income Coverage

There are two types of losses when it comes to your business. The first is when you lose money because of damage (to the property). For example, if you lost $500 and had to pay $400 in rent every month, then you would need to buy more insurance. The second type is when there is no damage but there’s a business interruption. That means that people can’t come to your store, house, or restaurant because it was not open for some reason such as weather or a natural disaster. If this happens and your policy doesn’t already cover this situation, then you will need to buy more insurance from somewhere else. Should something happen to you rendering you unable to work, then your business may not be able to get coverage. The insurance company will not pay for anything unless it was hit by a bad thing.

Next, the period of restoration (POR) is the amount of time it takes to recover from a loss. It should take as long as it needs to but not so long that business does not flow properly. The POR should be specified in writing and different policies may have different time periods for this.

Property insurance is sometimes added to the cost of a business policy. It protects business buildings, contents, and personal property against perils like fire, lightning, windstorms or hail. There are options to add more coverage for specific types of perils.

Perils: Loss of Income Insurance

Perils: The perils named in a business insurance policy are probably the same as those, such as fire, windstorms, hail and so forth. But there are some perils that you might not think of. For example, “internal combustion,” which covers damage caused by your vehicle or machinery while they are being used for business purposes. Remember that property coverage does not typically include any liability protection. Therefore, you must purchase this separately from a commercial general liability policy.

Business income insurance usually has a way to include business interruption coverage. However, you have to buy it with property coverage or actual loss sustained business income coverage. Then if you have seasonal extra expense, it can also include business interruption coverage.

If your business loses income for three months, these are the types of insurance that might help. They are similar to homeowner’s coverage in what they cover. It is though, more expensive because there are not any perils that make you pay extra for this type of insurance. In addition, some insurers don’t do this kind of coverage. Some people can only get it on a special event.

1• Business Income Insurance Coverage Form
2• Business Income Insurance Definition
3• A Business Income Insurance Policy
4• Business Income And Extra Expense Coverage Form
5• Business Loss Insurance Definition
6• What Is Business Income Insurance

Losing Business Income

If something happens to your business and you can’t make money, it could be very bad for your company. Moreover, should a fire or an attack like 9-11 were to occur, people wouldn’t be able to work due to premises closures. That means that they won’t make any money until the store is fixed and they can open again. They might not have enough savings to cover it and they would need help from someone else in order to get back on their feet quickly. This could mean bankruptcy if nobody helps them out with money because there are often limited insurance policies that come with normal insurance policies.

Business interruption insurance covers financial losses that result from interruptions to normal business activities caused by certain listed events such as:


2.Windstorm or hail


4.Riot or civil commotion

5.Aircraft, vehicle or other transportation damage

6.Breakdown of equipment through no fault of the insured party

While most business insurance policies do come with property coverage, there are certain risks that may not be covered under this policy including:

1.Power surge damage

2.Water damage sometimes referred to as flood, water or seepage damage due to partial submersion in any liquid – for example if water washes over your business premises from rainfall outside the building while it is closed for business during inclement weather conditions. This can result in extensive damage to your assets even if your building’s heating, ventilation and air conditioning system or sprinkler system fails to activate.

Business Income vs. Business Interruption

Business interruption insurance is meant to cover any money that you lose because of a covered peril. If there is damage, your company might not be able to work at their normal place. This can include lost income or extra expenses because they need to work elsewhere for a while.

The term “business income” can refer to several things depending on the nature of your business including:

1.Your overall company revenue or income that is generated by the sale of goods and/or services. This amount may be broken down into several factors such as products sold, number of customers served, etc.

• Business Income Insurance Coverage Form
• Business Loss Insurance Definition

• What Is Business Income Insurance

2. The money you make personally from your business activities including wages for employees who are paid on commission, bonuses, vacation pay and other benefits workers may derive from their employment status with a firm. Overall yearly revenue determined by the number of hours worked multiplied by an hourly wage rate should also be included if it falls into this category. Some states require that all workers receive a minimum salary regardless of how many hours they work in order to be classified as “full time”.

• What is business income and extra expense coverage
• business income definition

3. The total amount of money your business makes in a year after all factors such as revenue, salaries and any other expenses have been accounted for. Usually this number is found on the final page of a company’s tax return. It does not include amounts that are designated for future commitments or amounts that have not yet been paid out to the owner or shareholders.

•  A Business Income Insurance Coverage Form
•  Business interruption insurance

An amount representing how much each share you own in a corporation is worth at any given moment which could be broken up into yearly installments if there are preferred dividends involved with your stock.

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2 years ago · by · 0 comments

Construction Insurance Coverage

Construction insurance coverage is important to construction projects. You can find the terms and conditions on this page. Policies for construction insurance cover what they will cover. Policies are on this page.

Many of us avoid construction projects because we are not sure about the construction insurance coverage. However, reading the article Construction-Insurance-Coverage will teach you about many topics related to construction liability insurance for contractors.

Construction Insurance Policy

Construction Industry Insurance Coverage has information about different risk management issues in the construction industry, including home improvement contracts, roofing contractor indemnification, deposit requirements for construction jobsites, errors & omissions insurance for construction companies, additional insured coverage for home construction projects and more.

Also, construction insurance coverage offers details on how to protect your house from errors and omissions, roofing contractor indemnification, deposit requirements for jobsites, contractors’ general liability insurance coverage for new construction projects.

Of course, construction is a risky business. Sometimes people can’t get insurance for it or protection plans for jobsites. It is important to know that your geographic location and the size of your project affects the types of protection plans you’ll need. Also, construction jobsite protection plans are different from construction workers comp insurance. Next, construction law is also different. You need to think about the coverage that will be best for that situation before you choose which one you want to buy for your project.

General Liability for Construction

There are many different jobsite risks involved in the construction process, but they all come down to one main category: lawsuits. If you are working on a commercial or residential construction site, there is likely some degree of risk involved.

The following articles will give you information on how to reduce your liability with these types of contractors.

Notice and cure are the two main parts of statutory construction procedures. If someone is injured or they get sick, an employer must tell them how long they will be out for. The construction industry is risky, so it is hard to get job site protection plans or building insurance.

Construction site accidents happen often. Reading the articles at construction-site-insurance can teach you about them. There are other topics like construction error & omissions insurance and more that you can read too.

Different types of Construction Insurance Coverage

Construction insurance covers many risks in the construction business. All of these risks are lawsuits. If you are working on a project, there is some risk involved.

The following article will tell you about how to reduce your liability. There are two main parts of general liability for construction:

1) Protection – When a person is at a site and gets hurt, they can sue the company that owns the property. The protection part tells us how to make sure this doesn’t happen by using safety equipment like hard hats and gloves.

2) Workers – If someone is doing some kind of work for us, we might be liable if they get hurt on the job; this includes all types of workers. You can read more about this in this article too.” If you are an employee who has been injured on the job, the company must tell you how long they think it will be before you can go back to work. This article about contractors general liability explains how to help reduce liability.

Construction Company Insurance discusses many different topics, but two are important. One is that if someone goes out on disability leave due to injury or illness, they must receive written notification from their employer of the expected duration of their leave. Another is that there are two main parts to any statutory procedures: notice and cure.

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2 years ago · by · 0 comments

Builders Risk Insurance Cost

builders risk insurance cost

What does builders risk insurance cost? Builders risk insurance is a part of commercial builders risk insurance. It covers the cost of damages or destruction of buildings during construction. Coverage includes damage to buildings throughout construction and up until opening. Builders usually get reimbursed for covered losses, minus any applicable deductible when they buy builders risk insurance coverage. Contents under builders risk insurance are usually subject to an additional premium charge on top of regular policy rates. A builders risk policy can be offered as part of a package with commercial general liability coverage if you want it too!

Builders risk coverage can include:

The building, the foundation, the exterior walls, the interior walls and the roof membrane are all included. Construction equipment like forklifts, tools and work materials are also included. The construction site may have materials like lumber or drywall for sale. Also there might be things left over from when properties were being built in more expensive areas like condos or apartment buildings. If any of these things happen to get broken by a subcontractor’s stuff – even if it wasn’t their fault – then you don’t have to pay anything because your builders risk insurance policy will cover it all!

Builders risk insurance covers damage or destruction that happens while the construction is being done. There are different types of construction, like new construction and existing structures. The builders risk insurance does not cover floods or earthquakes.

For information on how builders risk insurance handles damages from natural disasters such as earthquakes, flooding, hurricanes and wildfires go here. Flood insurance has its own set of rules which can be found here. For details on how fire damage is handled under builders risk policies go here. Earthquake coverage can be found here .

Average Cost of Builders Risk Insurance

The builders risk insurance cost does not make your premium higher. It is what you are insuring for minus the deductible that makes your premium higher or lower. The more expensive the property, the higher the deductible will be, and vice versa. You can get more builders risk insurance coverage if you buy a commercial general liability policy or a builders wrap policy. It will cost more but it could be worth it if something bad happens. There are estimators to help figure out how much builders risk might cost for your job location and building type.

Buildings-only is when you can only get coverage for buildings or parts of the property that are under construction. Also, buildings-only does not cover anything else. Next, builders risk insurance for buildings is when you want to start building a place, but it’s not developed yet. You may need builders risk insurance for buildings if the business owns undeveloped real estate.  Also, if they want to build on it within the next year. Next, builders’ risk can also be used when a person is working on an office space or shopping complex that isn’t open yet.

Also, builders risk insurance covers the building. Next, builders risk coverage does not cover business interruption.  Finally, builders will need to get separate commercial interruption insurance. Meanwhile, builders risk coverage does not include equipment breakdown protection, so you’ll want separate builders risk deductible riders to cover damages for your appliances or machinery.

Builders risk insurance is a type of insurance for builders. This type of coverage has a blanket which protects all the homes they are building, not just one. It is cheaper because it doesn’t need to be as detailed as different policies.

Risk Insurance

Blanket additional builders risk coverage is a good choice for builders insuring more than one large office complex or industrial park in the same area. When all of the properties would have similar builders risk deductibles, this type of coverage is especially helpful.

Also, builders insurance protects you from liability claims and property damages. If something happens, you will be covered.

Builders risk insurance is an easy expense to overlook. It’s important for builders and people that do construction because it can protect them from financial loss.

If you are a builder, it is important to have builders risk coverage. For instance, builders risk insurance helps protect builders against liability claims in the event that a worker falls off of your property or when work happens near traffic and someone gets hurt as a result.

Builders risk insurance is not required by law, but builders need it to protect themselves from unexpected expenses. Also, builders risk insurance can also help builders stay safe from lawsuits that come from clients who expect them to have builders risk insurance.

Also, builders risk insurance policies are usually affordable for builders. But you can save money if you have an agency and work with the right company.

Do you know what your policy covers?

Most builders do not know how much their builders risk insurance policy is or what it covers. It’s because most people just keep renewing without looking at the terms and conditions of the existing builders risk policy.

Builders insurance is more competitive than builders might think. It is a good idea to get quotes from different insurers in order to find the one that suits you best. Ask about what kind of discounts they offer and how much coverage you need. Make sure your policy includes all of the protection builders need during construction, such as business interruption in case there is a loss of income due to property damage or disruption when work is underway.

Also, builders insurance is when something goes wrong, not when everything is good.  Meanwhile, builders should not ignore their builders insurance policy, which can protect them if anything happens during construction or renovation.

A builder’s risk policy is to cover work that may be done by subcontractors on the builders site, or if an accident happens and someone needs to fix it. Builders need to know what their builders risk policy covers. In order for the builder and the risk insurer to have a good relationship, they have to understand each other.

How much is Builders Risk Insurance

In many cases, builders risk insurance is very affordable. Sometimes you need to pay more when the value of your work increases. Other times, it is cheap when you work with a company that offers discounts for people like you.

Insurance is important to builders just like it is for people. Insurance can protect them if something bad happens. Builders risk insurance helps you pay for the things that happen to your house after it gets built. The builders should know what is in the builder risk coverage and how much protection they have against unexpected expenses. Also, they should be careful when looking for builders risk insurance because they need to make sure that the insurance protects their future interests too.

Some people can lower their builders risk insurance rates by getting more jobs or getting discounts from the future insurers. They will only reduce this after looking at how much you can pay for your builders cost coverage. Your credit score is very important to your business because it determines how much you pay for builder’s risks insurance.

Builders who are new to the construction business or expanding into other areas can have trouble finding builders risk insurance because it is hard to get good rates. If you are doing the building, use the tips in this article to help you find builders risk that meets your needs.

How do you buy a policy?

For instance, builders who don’t know how to buy builders risk insurance might get one that doesn’t work for them. This is bad because they will not have money when something happens. Also. builders should work with an agent who understands builders risk to get the right coverage.

Builders risk insurance is something that builders might need, but not always. Also, builders might need it on some projects. If they don’t make any money on it or they don’t make very much money, they might not need to pay for the insurance. But sometimes builders do need this for their projects because it is hard to sell materials unless the project is finished. Next, builders need to know what builders risk insurance does before they decide if they want coverage. Meanwhile, builders risk insurance is for builders who do not have enough money to fix their houses. Prospective insurers should do their homework before letting inexperienced contractors buy builders risk insurance that will not meet the needs of building projects.

There are many different types of builders risk insurance. Also, they can also change depending on what you are trying to do. In some cases, builders might need builders risk insurance. This type of insurance gives protection against certain types of claims or damage. In most cases, experienced insurers have a good understanding of how this type of coverage works so they can help contractors choose the right policy for their business.

What does Builders Risk Cover?

In some cases, it’s important for insurance companies to understand what coverages the builder has before they can get involved. You need to know how much coverage is in place against different risks. The builder needs insurance that will work with any kind of builders’ risk, but it should also be affordable.

Many times, builders who have been buying builders risk insurance coverage for a while might find that the cost goes up. If your credit score drops or if you pay for coverage for a certain number of years, then it will go up. There are ways to get around this though! To not be surprised about your renewal time, talk to both the builder and the insurer when you do quotes.

Builders insurance is important for any contractor. You should get builders risk quotes that are not too expensive but also cover all of the builders coverage you need. Some builders might want to pay for insurance that is not needed. They can do this to save money. Contractors should be aware, however, that their home insurance will not protect them against losses related to building construction. That is why contractors need separate insurance for commercial jobs.

Builders Risk Insurance Cost Calculator

All things considered, it is important for builders to understand how builder risk insurance works and the different types of builders risks contractors need to be aware of. In some cases, builders might not need more than a course of construction policy for their builder risk indemnity coverage. But in other situations, they might want or need more enhanced builder risk coverage that helps them deal with losses related to water damage or faulty equipment.

When builders are getting ready to buy these policies, they need to talk with their clients so that there are no misunderstandings about what type of policies they need.

It is important for builders and insurance companies to work together. If they do not, there can be misunderstandings. This could lead to losses or a lot of money being spent on coverage.

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2 years ago · by · 0 comments

Cannabis Insurance Carriers

Cannabis insurance carriers

Cannabis insurance carriers are able to help cannabis companies protect themselves from being sued if they get injured by what the company makes.

When cannabis became legal in Colorado, a lot of companies were created to offer help with marketing and compliance. Insurance is a product that pays for any damage or injury that happens on the site. You need to be careful when you are running a company. If someone has an accident and it is your fault, they can sue you. But if they eat food from your company and get sick, make sure that you have protection for this kind of thing. Cannabis insurance has become popular because of all the people who use cannabis products now.

Cannabis Insurance Brokers

A business owner must have insurance for emergencies. There are many kinds of policies that you can have for your cannabis business and still be legal. Cannabis insurance carriers have plans for your company. These are different from other companies since there are risks with cannabis-related companies.

Cannabis insurance brokers find out about different kinds of policies for companies. One kind is liability. But those might not cover anything related to cannabis, like selling it or problems that happen as a result of it. Companies can get specific coverage for those things by buying insurance from a company that sells it.

In addition to standard business insurance, cannabis companies must have commercial general liability insurance which covers any damage caused on the premises of a company’s property and bodily injury claims made by customers or clients against an employee. If you own a store that sells marijuana or if you are growing weed for sale or distribution, then it is important to be covered with commercial general liability insurance .

Cannabis Insurance Companies

Different states have different laws. Some states require you to follow certain environmental regulations. Other states do not. If your state doesn’t require it, you should invest in an environmentally friendly insurance policy.

Environmental insurance is a type of insurance that protects against the cost of fixing the environment when damage has been done.

Cannabis Growers Insurance

Product liability insurance covers companies when someone is hurt or injured on their property. But it also protects the company if they sell something that people get hurt by or if someone gets sick after using that product. Product liability insurance is very important for cannabis retailers because their product is illegal and people could sue them if they get hurt after using it. There are laws that only apply to the cannabis industry. They can help with things like whether you can refuse customers with prior drug convictions from buying your products.

Some insurance carriers offer different kinds of policies which can provide you with all or some of the types of insurance listed here. These are called cannabis insurance brokers, and it is very important to talk to one. They will help you find a policy that works for your business.

Marijuana Insurance Companies

Policies are about different things to do with cannabis. For example, some companies need more protection because they have people who work with marijuana and also sell it in stores. You have to pick policies that are made for what your company needs.

For example, some businesses like personal service dispensaries do not have as much risk because their employees do not handle the product.

Cannabis insurance brokers can help you with your cannabis-related needs. If you are starting a new company, they may know the coverage that is best for you. They can also help with legal issues in this business. Different insurance companies make different policies. These companies will help you find one that is both compliant with state laws and meets the standards set by the Department of Transportation (DOT). Cannabis carriers can do this too.

Cannabis insurance policies can protect your business in many different ways. But you need to make sure you have the right policy for your needs. Talk to a broker who knows about this industry and can find a policy that matches what you need. That way, your company is protected.

Not only cannabis insurance carriers offer cannabis retail insurance but cannabis farm insurance as well.

Insurance for Cannabis Related Businesses

Cannabis business owners who want to know more about cannabis insurance and all the types of coverage available should contact a cannabis insurance broker  for cannabis retail insurance and cannabis farm insurance.

Cannabis insurance companies will help you find cannabis business insurance and cannabis farm insurance that is in line with state and federal law. They make it easier for you to find the right type of cannabis insurance.

Most cannabis insurance is for dispensaries, product manufacturers and distributors, transportation, and also cannabis testing. These policies offer a range of services such as: general liability including products and completed operations; commercial auto liability; premises/operations liability; crime insurance; healthcare professionals insurance; employment practices liability; environmental impairment liability; umbrella coverage ; liquor legal liability.

They work with cannabis businesses to provide comprehensive cannabis policies that cover all aspects of the operation as well as covering events such as: vehicle accidents; equipment breakdown; property damage; product recall; etc.

Cannabis businesses should talk to a broker about their options. They should call the carriers and ask for quotes. The business can then choose one that is right for them.

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2 years ago · by · 0 comments

Commercial Tow Truck Insurance

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commercial tow truck insurance

The tow truck is a special kind of vehicle that lifts and carries other vehicles. Because of this, you need to get commercial tow truck insurance for the truck. But, the cost of insurance depends on many things like your driving record, where you live, and what type of business you are in.

Tow Truck Insurance Costs & Financing Options

How much does tow truck insurance cost? It depends on the type of tow truck and how often you use it.

A clean driving record means that the cost for your insurance will be cheaper. But if there are any traffic violations or accidents on your record, then you might have to pay more.

There are different types of tow trucks. For example, there are tow trucks with snowplows and winches. There is a cost difference in these tow truck rates because of this. Other tow trucks have safety features such as backup alarms which will also change the rate they charge for their towing services.

In the place where you live, how safe is it? Are there many accidents and thefts in your area? This will affect how much you pay for your tow truck insurance. And the better the place, the cheaper it is.

Businesses may have insurance requirements for different reasons. If you are a company with trucks that use air brakes, then you’ll pay more in your premium.

Tow Truck Insurance rates

How many hours a day do you work? More time on the road means that an insurance company will have to pay more for your insurance. You can even travel out of country or state, and this would also cause your premium to be higher.

Having more equipment like a snowplow or winches will make you more likely to get in an accident. This is because the things you own are what make your insurance cost higher. You also need car ramps for your car or they can’t tow it away if it breaks down on the side of the road.

If you have many drivers working with you, they might need commercial car insurance. This would make your costs higher. The best option is if each driver has their own individual commercial auto insurance.

Industry Details & the Cost of Tow Truck Insurance

Now, here’s where things get different. Different types of companies have different requirements for paying for their commercial tow truck insurance . For example, government owned vehicles are likely to have different criteria when compared to privately owned tow trucks. Please have a look below at the industry wide differences.

Commercial tow truck insurance is needed for government or military vehicles. They have to have a commercial policy that covers them in case they get in an accident on the road. All vehicles must also be safe enough to drive on the road, and they do this by following state laws and regulations.

Many people who drive tow trucks need to carry special insurance for hazardous materials. If they carry these, it is safer for everyone.

Commercial tow truck insurance is a must if you want to work for cities. You pay for extra for snowplows. Public utilities have different requirements when it comes to commercial tow truck insurance . Some of them require the driver to be under a certain age limit but most do not care about your age.

How much is a repo mans tow truck insurance for his tow truck?

A lot of towing companies provide their drivers with different types of insurance. This is so that they are protected during accidents and other things. The driver gets $2 million per person or $8 million per occurrence in general liability protection. Also this is called “commercial tow truck insurance.” It costs a lot less than normal car insurance because it comes from a single insurer.

In the insurance industry, you need liability limits up to $300,000 and uninsured motorist protection of $300,000 per person per occurrence. Also, you need a garage or service station coverage amounting up to $1 million in property damage with an additional $2 million for personal injury.

You need to find an auto repair shop. These shops usually hire subcontractors. All drivers must also provide proof that they are in the transport business, not just working for one of these shops, because there are different types of insurance depending on what type of business the company is in.

How much is insurance on a tow truck?

Also, commercial tow truck drivers need their own private property towing insurance for when they are at work with the company. They must also have their own personal tow vehicle liability limits of $300,000 per person and $500,000 per accident. The policy must also include uninsured motorist coverage of at least $300,000 on each person or occurrence basis. All vehicles must provide evidence that they’re registered in the DMV and passed a proper inspection.

These places sell used cars. Also, they need a lot of different types of insurance because they have expensive things. They need to show that they are registered with the DMV and will not sell stolen or hijacked cars.

The towing industry is one of the most important industries where commercial tow truck insurance is needed. All drivers in this industry must have property damage liability limits of at least $500,000 and they must also provide uninsured motorist coverage up to $300,000. These policies also cover additional costs such as labor which will be incurred during any accidents or incidents.

Tow Truck Insurance quote

The auto transportation industry requires commercial tow truck insurance. You need $300,000 of liability coverage for each person and $500,000 for an occurrence. You need uninsured motorist coverage with the same amount per person or occurrence. You also need to show that all vehicles are not stolen or hijacked.

When you rent a car, the company’s insurance policy will cover $1 million in property damage and another $1 million in personal injury liability. All drivers working with rented cars must be covered by a company’s commercial tow truck insurance policy which includes bodily injury liability limits up to $300,000 per person and $500,000 per accident as well as uninsured motorist coverage of the same amounts for each person.

Next, commercial tow truck insurance is needed for the business. You need to protect your property up to $500,000 and also make sure that you are not liable for injury. Any cars that get towed must have proof that they are not stolen or hijacked so the business can’t sell these cars. Also, commercial tow truck insurance will cover you if someone gets hurt. It will also protect people in accidents where the other driver does not have car insurance, and it offers uninsured motorist coverage to protect themselves during an accident.

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2 years ago · by · 0 comments

Finding Tow Truck Insurance

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There are many types of tow trucks. Each one is important in the work it does. The price for tow truck insurance depends on what type of tow truck you have. Insurance experts can guide new and existing companies with insurance that fits their budget and needs.

Most people think a tow truck is a big truck with a car on the back. But it also has other ways to help.

What tow truck company insurance requirements are?

The most comprehensive tow truck insurance covers all types of towing, including roadside assistance. This type is best for companies that want to give their clients the highest level of service. They are protected against theft or damage even when someone from the company has an accident while on the job.

Garagekeepers insurance is a type of insurance for people who have workshops or storage facilities. This kind of insurance usually provides protection for repair and covers liability and property damage if the building is not occupied.

The commercial truck insurance is cheaper than the other kind. Most trucks belong in one of two categories: non-owned or hired. The first category covers a company’s truck when it is not in use by the company, and when it is being used by employees in a personal capacity. The second category covers when the company does not own the vehicle, but instead rents it from an outside source. Insurance experts can help you find an insurance package that fits your needs and budget.

Steps to getting the best tow truck insurance

When you have a business, you might need to get your truck towed. There are many different types of insurance. Choose the one that fits your needs and budget. If you own a big tow truck or wrecker with high cabs, then find out if they offer physical damage which covers collisions or rollover. This is important because it means that your carrier can pull another car onto their flatbed easily.

Do not leave anything to chance when it comes to your company’s liability. Make sure that the person who is going to insure you includes liability in their policy. It pays to be safe than sorry: call several people and get quotes for commercial auto insurance and compare them side by side so you can buy the best plan. You should also buy commercial auto insurance because it will protect your company if an employee gets into a car accident outside of work or damages someone’s property when they are on the clock.

If you want to protect yourself, find an agent today. Enter your zip code into our form, and then you will get prices for tow truck insurance.

When you buy tow truck insurance, you are helping to keep your company safe. This is the core of any truck insurance policy. It covers injuries to people and damage that may happen when there is an accident on the road.

Federal law requires all truck drivers to have auto liability insurance. Some states also require you to show proof of commercial vehicle insurance for trucks over a certain weight.

How much would a million dollar tow truck insurance cost?

Physical damage insurance is helpful to get for your tow truck. It will help you when you get in an accident and your equipment needs to be fixed or replaced.

You should make sure that any company you hire for your business includes liability in their policy. You want to be safe, not sorry. Call several companies and get quotes from them to compare the prices and choose the best one.

It is important to carry commercial auto insurance. This will protect your company if an employee gets into an accident that is not on the job or injures someone. Get a quote by entering your zip code on our website.

In the past, commercial tow trucks were used only in big cities and towns. But today, many people in small towns use them too. They can help you with a service like removing abandoned cars from public property or maybe for businesses to haul away their own company vehicles or those of customers who haven’t paid for service.

Commercial tow trucks are good for more than just towing cars. They can also haul heavy objects, like cars and machinery. This is good because if they come off the truck while being towed it can be dangerous.

What Are The Best Truck Insurance Companies?

When you invest in tow truck insurance, you are investing in the safety of your company. This policy is the core of any truck insurance policy to cover injuries to other people and damages to property that may result from accidents on the road. Insurance for trucks

Most people need auto liability insurance, but some people need more insurance. This depends on the area that you drive in and the weight of your truck.

Need a quote from one of the best tow truck insurance companies?

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2 years ago · by · 0 comments

Commercial Trucking Insurance

When a trucker gets into an accident, commercial trucking insurance pays for the damage. This is especially important since trucks carry lots of expensive things that might break.

Commercial trucking companies have common carriers-liability insurance for their trucks, but this does not always cover all losses. So it is important to think about these risks and get help from an agent who understands them when choosing the type of insurance you need.

What types of coverage will I need for my commercial autos?

This article will tell you about different kinds of trucking insurance. The first kind is liability insurance for trucks. This protects the trucking company from high costs after a trucking accident such as:

– Bodily injury to others;

– Damage to property; – Loss of income; and/or

– Defense costs associated with a claim.

Commercial trucking rates depend on many things. Some things, like the vehicle type and insurance claims history, are more important than others. Commercial trucking insurers usually give discounts for installing anti-theft devices and driver safety programs.

When your commercial trucking insurance is up for renewal, you might need to show proof that all of the drivers in the company have coverage (and that it meets certain standards).

Commercial trucking companies must buy an insurance policy that protects them and others from driving a car that is not insured by the driver. This means, for example, if you are in an accident with a commercial truck and they don’t have insurance to cover it, you will be covered. Commercial trucks cannot get this coverage, but other types of cars (e.g. vans) can.

Commercial trucking insurance can include many things. One of them is commercial truck cargo insurance. This kind of insurance will protect you against damage to your cargo while it is on your truck, or when others are driving your truck. There are also two other kinds of protection for the driver and load of the truck, which are commercial truck physical damage insurance and general liability policy.

Cargo and Liability Insurance

Commercial cargo insurance is important for commercial trucking companies. This insurance helps when someone steals the goods in the trucks. When you buy this, talk to your agent about it.

Only commercial carriers who carry goods from one state to another need to have insurance. This is called ‘interstate.’

If two commercial trucks get into an accident, the drivers need to have commercial truck liability insurance. This includes coverage for bodily injury and property damage from the use of a vehicle in a commercial trucking business. If there is damage to goods being transported in a commercial truck, this would be covered by cargo insurance while physical damage to the vehicles themselves would be covered by physical damage insurance.

Some insurance companies give you discounts if your company has safety measures in place, like tracking devices, anti-theft devices, and driver training programs.

Most businesses need a general liability policy. This is because the company might break other people’s things or hurt them and then need to pay money or go to court.

Commercial Cargo insurance is like people who work in the business. They take care of other people’s things. The cargo is what they are working with. If someone gets hurt, then it can be covered by commercial auto liability insurance because it happened in another state and not just the one they live in.

Get the correct commercial trucking insurance

Your commercial truck’s assets, such as freight or cargo, are covered by a commercial auto liability policy.  You can find commercial trucking insurance near me here!

If the trucking company only has one truck, then they can buy two types of insurance. One is commercial auto liability and the other is commercial truck physical damage. They will need enough business to qualify for a package deal.

When a trucking company has more than one truck on the road, they need to get insurance. This insurance will help pay for other trucks if they are in an accident.

Commercial truck cargo insurance covers trucks when they get into accidents. It also covers any of the damage to other people or property caused by a truck being in an accident.

Commercial auto liability insurance covers businesses that are transporting commercial goods. If two of these businesses get into an accident, the cargo insurance will cover any damage to the goods and the physical damage insurance will cover any damage to their vehicles.

Commercial truck insurance for commercial trucks, companies, and fleets of all sizes. Options include: commercial liability, physical damage, cargo and general liability policies.

We use companies like Progressive Commercial Trucking Insurance, Nationwide Trucking Insurance, and many others to provide you with the best trucking insurance quotes.  Sometimes the cheapest trucking insurance isn’t the best.  

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2 years ago · by · 1 comment

Trucking Insurance Companies

trucking insurance companies

Commercial truck insurance is important. Finding the best trucking insurance companies to compare truck insurance quotes is even more important.  It is for trucks that are heavy and valuable. Commercial truck coverage has high coverage limits because of the weight and value of the trucks.

There are three types of truck insurance. You can also get cargo insurance or motor carrier insurance.

What does truck insurance cover?

Commercial truck coverage provides liability, collision, and comprehensive coverage. This type of insurance is different from personal auto coverage because trucks are more expensive and carry heavier loads. It is important to know what type of protection you need before talking with an agent or broker to get quotes. To find the best insurance possible you will need to spend a few minutes with one of our agents to make sure you are covered correctly.

If you want to save money on trucking insurance, you can find a company that specializes in your industry. If the carrier only insures the type of business you have, then your premiums will be lower. There are brokers for many types of businesses including:

– Oilfield/Oil & Gas

– Logging & Mining

– Agriculture

– Construction

What does trucking insurance cost?

If you are looking at different quotes from different companies, make sure you find out all the hidden charges. This is one thing that can really affect your rates. For example, some car carriers charge a percentage of the truck’s value while others ask for a flat fee per vehicle. Make sure to go over these details with an agent or broker before signing any documents so that you know what you are getting into.

If you have a big truck, one way to save money on insurance is by raising your deductible. If something happens, you will have to pay more. You can also save money by cutting the limits of what your insurance covers. The less it covers, the less you will pay for it This option can make your insurance cheaper, but it’s risky if there is any damage over the limit. If you pay for older vehicles, you will save money.

If you have a company or just an individual truck, then you will need commercial truck insurance. It is not cheap but it might be worth shopping around to find the best deal. There are places on the internet where you can get instant quotes from companies so that you can compare prices before deciding which is the cheapest provider for your needs. Keep in mind that there may be some hidden costs associated with using certain providers, so read any fine print carefully when looking for cheap trucking insurance deals.

Trucking insurance for companies large and small

When you choose a company, don’t just think about the price. Some companies have low prices but they offer bad coverage. And others have high prices at first, but later they give discounts and other options to reduce the price. The best company that offers trucking insurance for you will depend on many things, but it is important to ask yourself these questions before making a final decision:

– What is my budget?

– How much money do I need to make in order to cover my premiums each month?

– What am I going to haul?

– What types of vehicles does my fleet consist of? Do they fall within certain weight categories? Are they new models or older ones with high mileage?

– Does each vehicle have anti-theft devices installed such as tracker devices or immobilizers?

What kind of discounts for trucking insurance quotes

If you are looking for cheap trucking insurance deals, make sure you answer questions about your specific situation and contact an agent from each company before making your final decision.

The main factors a commercial trucking insurance company will be weighing are:

– industry specialization

– premium pricing model (percentage of value vs. flat fee)

– mileage discounts

– vehicle age/type/condition discounts

– anti-theft device discounts

– coverage limits or number of vehicles allowed on policy

– deductible options may also affect overall rates.

Some providers may not provide coverage in all states. You will need to ask before you buy. If you do not know any tips, then asking friends and family might be a good idea, too.

Before you decide on which trucking company to buy truck insurance from, make sure you read the insurance policy carefully. Don’t think that just because they are cheaper it will be the best for you. Make sure to look at other things like what type of coverage they have and what your needs are.

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2 years ago · by · 0 comments

Nontrucking Liability Insurance

bobtail truck insurance

Owners of large trucks can buy $500,000 worth of nontrucking liability insurance protection. This is because most big trucking companies buy $2 million in trucking liability insurance coverage. Many owner operators find that they need more than the $2 million worth of liability insurance coverage.  This is when their tractor is used for personal and non-economic purposes such as towing their car to a show or getting groceries.

Congress created Bobtail Liability Insurance. It is just for people who have a tractor that pulls a trailer with something on it. It provides some protection when there are accidents.

Under federal Bobtail Liability rules, you can buy insurance coverage only for the truck when it’s used for personal reasons. If you’re towing a car or if the truck is being used by a company, this insurance will not apply.

Do I need non-trucking liability insurance

Some insurance is not for towing a loaded trailer. It also does not apply if you use your tractor for work. But if you use the truck to drive someone else or make money, this insurance will not apply either.

If something happens while the truck is being used for a commercial purpose, your primary commercial liability coverage will provide coverage for any claims made against you. Your insurance only counts if it doesn’t have anything to do with trucks.

For that reason, most owner operators do not buy Bobtail Liability Insurance. The exception is when they are getting nontrucking liability insurance from companies that specifically require it.

What is Bobtail Liability Insurance?

1. The vehicle must be insured by Bobtail Liability only when the operator is performing personal and non-economic tasks

2.  The vehicle has fewer than three axles

3. A non-trucking business exclusion must be included in any Bobtail policy

4.  An endorsement must be attached to a Bobtail policy that requires you to disclose non-trucking activities

5. You must know when the truck is being used for non-trucking purposes and “flag” these trips in your Electronic Logging Device, also known as an ELD, if you’re using one

6. All of this—the specific requirements and the dangerous holes in Bobtail Insurance itself—must be disclosed to buyers in writing by carriers offering this coverage .

If you have insurance from a company required by your lease, then you don’t need Bobtail Insurance. For everyone else, Bobtail Liability Insurance is optional. It does not really provide any protection. This is because it only pays out accidents that happen when the truck is being used for commercial purposes.

What are some trucking insurance exclusions?

The Non-Trucking Business Exclusion means that if you are not using your car in a business, then it is not covered by this policy. If you use the car for something other than business purposes, this exclusion shuts down coverage eligibility immediately. It also protects your carrier against claims made against them for something done while the car was being used for non-trucking purposes.

You need to get a form that says that you are not allowed to do anything but trucking. Then, when you have an accident, the company won’t have to pay for anything else because it’s in their policy. This is a problem because all insurance companies are required to have an exclusion for trucking. But if the customer has non-trucking coverage, they will not be covered. If the company does not offer a nontrucking endorsement in their policy, then you do not have to use the form if you are asked about any trucking activities.

If you are using an Electronic Logging Device, you will need to tell it when the truck is not being used for trucking purposes. This rule only applies if you are using Bobtail Insurance. Commercial liability does not have this requirement.

All of this—the requirements for Bobtail Insurance and its dangerous holes—must be explained to people who buy it. If you do not tell them this information, then they cannot use the law that says that their house is not insured for anything if they are in a business other than trucking.

Don’t buy nontrucking liability insurance if you don’t have to. It is not required under FMCSA regulation. Make sure carrier discloses specific information about non-trucking business exclusion including all requirements and holes in the coverage so you can make an informed decision.

Final thoughts on non trucking liability insurance 

If a company offers insurance that does not cover when you are not using your truck to transport things, then this is a sign that they are trying to avoid paying out when something happens while you are not using your truck. There are a few circumstances where carriers don’t need to endorse a policy for non-trucking customers. But it is hard to see how the non-trucking business coverage would be appropriate for anyone who also needs non trucking liability insurance.

Buy Bobtail Liability Insurance only if you need it and flag all non-trucking trips in your Electronic Logging Device, also known as an ELD, if you’re using one.

If a company offers insurance that covers things other than trucking, be careful. This is usually because they are trying to avoid having to provide an endorsement on their policy for non-trucking businesses. The only time this might not happen is if the circumstances are very narrow.

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2 years ago · by · 0 comments

Hot Shot Trucking Insurance

Hot Shot Trucking Insurance

Hot shot insurance is for trucking operations specializing in the expedited transport of cargo. It is also called expediter’s insurance. Loads are hard to find, but when they get booked they usually require you to work hard and run fast to meet the schedule. The reward is that this type of work has a higher pay rate and premium rates than other types of trucking jobs. Professional Insurance Strategies provides hot shot insurance that was specially designed for this type of operation.

Hotshot Trucking Insurance Cost

Professional Insurance Strategies hot shot trucking insurance provides a safety net for your hot shot trucking business. Hot shot expediting is not a very high risk business, but you never know when a hot shot load could be a hot mess. If something goes wrong, how will you pay the expenses that occur as a result of the accident?

If you are in a hot shot trucking business, you may want to buy insurance for your vehicle. You might get fined by the government if you hurt someone or damage something. For more information, please contact us at Professional Insurance Strategies. We will find the best insurance for you and your company!  Also find the best hot shot trucking insurance companies.

Types of Hot Shot Coverage

Hot shot insurance is made up of several types. You can buy coverage for your cargo if it gets damaged or destroyed. It also protects your cargo from things like theft and accidents. This policy does not cover regular daily wear and tear, though. It is important to know the hot shot trucking insurance requirements for your state.

Collision insurance covers your car if it crashes into something. It will protect you from collisions with other cars, trees, poles, and stationary objects.

Drivers must also carry insurance that pays for any passengers in the car. If someone gets hurt, their family can sue. Collision insurance pays for repairs after an accident. It does not cover wear and tear or damage caused by items on the road like glass, nails, potholes, or rocks. As hot shots travel all over North America, Professional Insurance Strategies offers coverage for expenses related to towing and storage of damaged equipment if drivers are involved in an accident.

What can happen without the correct insurance?

A ramp is a large piece of metal that connects to the truck. Chains go through holes in the roof of the truck. Ramps are used to get cargo into trucks, or if there is not ramp, then people use their own trucks for ramps. Insurance helps protect expensive equipment from wear and tear when it is overloaded or mishandled.

Truckers also need hot shot insurance for things like accidents on the job site. This type of hot shot insurance can cover cargo that was dropped or fell off a trailer. It can also pay for any environmental damage that occurs during loading or unloading operations.

Riders include protection for hot shots transmitting data over their cell phones while operating a commercial vehicle.   In some states it is illegal to do so without an additional hotshot cell phone hot shot insurance policy.

Next steps for Hot Shots

Worried hot shot truckers can get hotshot insurance quotes from any number of hotshot trucking insurance providers. Insurance providers such as Professional Insurance Strategies offer hotshot trucking insurance to hot shots traveling all over the United States.

When hot shot carriers buy hotshot policies, they can save on their rates by submitting a hot shot safe driving record and completing a pre-employment drug and alcohol test.

Professional Insurance Strategies understands how important it is to have the right kind of insurance for your hotshot business. They offer competitive rates for both personal and commercial hotshot policies that can cover you in any state, Washington D.C., Puerto Rico, Virgin Islands, Guam & Canada (except Quebec). They also provide international coverage. Get a quote from them today!

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2 years ago · by · 0 comments

Auto Dealer Surety Bonds

Arizona Auto Dealer Surety Bond

Auto dealer surety bonds are an important part of any dealership’s business. They provide protection to customers, creditors and governments from the risks associated with operating as a motor vehicle merchant. In today’s sophisticated world where fraud is more difficult it is important to have the correct surety bond. In fact, most state governments require auto surety bonds or guarantees be obtained prior to issuing licenses for dealerships.  This means that you must have enough financial backing on hand if things go wrong!

How to Motor Vehicle Surety Bonds Work?

A surety bond for auto dealers (or ‘MVD’) typically involves using someone else who can vouch or guarantee how well-run your store will operate.  Under normal circumstances; this third party guarantor becomes liable should anything bad happen while operating legally according ?

If you need to get an auto dealer surety bond, then here are some key facts about these bonds that will help guide your search. These documents protect customers as well third parties from harm during the sale or lease of vehicles.  These do not cover other activities such as financing transactions with personal loans instead.  Motor vehicle dealer bonds don’t have coverage for anti-money laundering requirements.  

How much do Car Dealer Surety Bonds Cost?

Dealer surety bonds are a type of auto surety bond. It is a three-party contract that guarantees that one party (the principal) will obey the laws and ethical rules required by another party (the obligee), with a neutral third party (the surety) acting as guarantor. We will discuss the different auto dealer surety bonds that are available, how to get one, and the process for renewing your auto dealer bond.

This auto dealer surety bond is called the “Motor Vehicle Dealer Bond”, and it guarantees that you will follow all laws, rules, ordinances, statutes, codes, or other requirements of your state. Like many other auto dealer bonds, this one must be renewed every three years by completing an application for renewal with your local DMV . The fee for auto dealer surety bonds varies, but you can check with your state’s DMV for more details.

– Auto Dealer Surety Bonds: A Three-Party Contract Guaranteeing Behavior

– Types of auto dealer surety bond available and how to get one

– Process for auto dealer bond renewal every three years

Auto surety bonds are auto surety bonds that guarantee behavior. There are different auto dealer surety bond types available, and you can obtain one by completing an application for renewal with your local DMV .

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2 years ago · by · 1 comment

Full Coverage Car Insurance

Full Coverage Auto Insurance

How do you get Full Coverage Auto Insurance

What Is Full Coverage Car Insurance? Do You Need It?

So what does full coverage car insurance cover? In most cases, it includes liability, comprehensive, and collision coverage. Collision and comprehensive will protect you and your vehicle if you get into an accident.

What is car insurance?

An auto insurance policy covers you in case your car gets damaged in an accident. It also includes many other extra benefits that are not covered by basic auto insurance. It usually costs more and covers your vehicle for a specific period of time. It’s important to choose the right car insurance company to get the right amount of coverage at the right price. Types of full coverage insurance is classified into two types: Liability only– covers other cars you damage . If you want to cover your car and other autos you may damage, you will need a full coverage auto insurance.  It’s a very cheap car insurance and you only need it for a short period of time, usually the duration of the trial. In this type, if you have an accident, the insurer pays your bill. In Arizona ADOT is a good source for license information.

What is full coverage car insurance?

Full coverage car insurance will typically cover the following things: Liability. If someone else hits you while you are driving and they are found at fault, full coverage auto insurance will protect you from paying a hefty amount of money to someone else. If someone else hits you while you are driving and they are found at fault, cheap full coverage car insurance will protect you from paying a hefty amount of money to someone else. Comprehensive. It will also protect your car from getting damaged. Basically, this insurance will cover small bumps, dings, and scratches. It will also protect your car from getting damaged. Basically, this insurance will cover small bumps, dings, and scratches. Collision. The key word in collision is you.


Do you need to get full coverage car insurance?

Sometimes you have an accident and no one’s at fault. But no matter what your circumstances are, you still want to make sure you and your car are covered. To cover every scenario, you want to get cheap full coverage auto insurance. We all know that car insurance full coverage is pricey. I don’t like it either. But when you think about it, auto insurance is probably one of the most important car purchases you’ll ever make. So, you need to be financially stable before you buy any car. If you haven’t gotten the cheapest full coverage car insurance yet, then you should look into it before getting another car. This way, you’ll make sure you and your car are protected in case of any type of accident. Types of auto insurance full coverage is split into different types based on what kind of coverage you want.

How much does a policy usually cost for a month?

Generally, with a larger insurance company, the cost will be at least $50-$100 a month, although the rates can go as high as $500 to $1000 a month. It depends on what the particular insurance company offers. Most of the insurance companies offer home insurance too, but there are some that don’t, like some states do not have insurance companies. What is the Basic Form of Collision? This coverage can protect you if you are in a car accident with another car. If you don’t have this coverage, then you can still apply for it and make a claim if someone rear ends you while you’re driving. Is a full coverage car insurance cheap? Maybe Now that we know what full coverage car insurance is, it is important to see what it costs so you can decide if it is the right thing for you. You can find the best car insurance quotes here.   Some of our blogs on other auto insurance: Auto Home Insurance  

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2 years ago · by · 0 comments

Cheap Car Insurance Quotes

Find Cheap Car Insurance

We field a lot of phone calls and web inquiries from people that are trying to buy cheap auto insurance online.   They may be looking for cheap full coverage insurance or just discount car insurance rates.  You may not know is even though you are looking for cheap online auto insurance in the end you may not end up with the cheapest insurance quote.  How is that possible you ask?  In this post we will go through several key factors that may hurt you.  It may look like you are getting cheap insurance online but once you purchase the policy that cheap online insurance turns into one big expensive headache.  Here is how it happens.

How the cheapest car insurance quotes can turn EXPENSIVE

Insurance companies use several factors to come up with your best price car insurance.  These factors include your C.L.U.E. report.  A (Comprehensive Loss Underwriting Exchange) report provides a history of your property insurance claims for homes, rentals and vehicles.   This report includes the date of loss, loss type and amount paid, along with general information such as policy number, claim number and insurance company name.  If this report is not ran at the time of the quote your quote might be artificially lower.  You think you are getting a cheap car insurance quote but maybe this quote is not factoring in the three speeding tickets you have received.  You can request a free report here. 

Another factor for getting a cheap online car insurance quote could be that you mistakenly put in the wrong zip code.  Insurance carriers use your zip code to determine part of your premiums.  Using a zip code that has low accidents and thefts will show cheap insurance for cars when in fact your correct zip code might be the complete opposite. 

Furthermore, you may forget to add your partner or child as a driver on the policy.   Doing this could result in your cheap auto insurance quote changing once you add the drivers.  If you forget to add similar coverage to the policy when you are trying to find the cheapest auto insurance companies, it may look like one of the best auto insurance quotes but in reality, it isn’t.   

How Do you find Cheap Car Insurance Online?

Find cheap insurance near me.  The best auto insurance quotes are the one that make the process easy.  Can you find cheap car insurance online?  Is it better to call a local agent to find cheap car insurance?  Those are all great questions.  At the end of the day to find auto insurance quotes cheap you need to do a little research to make sure the cheapest car insurance quote is the right quote for you. 



If you need help please give us a call at 623-463-9000 or find the cheapest car insurance online here.   

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2 years ago · by · 0 comments

Compare Car Insurance

Compare Auto Insurance

How do you compare car insurance rates?

We have found the best way to give our customers the best auto insurance quote is by using a tool known as a car insurance comparison tool.  By using this too we can be sure that we not only find the best insurance quotes but  we can take all car insurance companies and come up with a car insurance comparison chart.  This is a very valuable tool for our staff and our customers.  We can show our customers and prospective customers the best auto insurance rates based on their needs and what the value.


Are there insurance comparison sites?

We have found auto insurance comparisons are raters like Ezlynx and ITC Turbo.  Because rates for car insurance can so different from insurance company to insurance company using an insurance rater and comparing auto insurance rates our clients can rest assured we are providing them with the very best car insurance quote.   

When should you shop for car insurance rates?

Sometimes it is important to shop car insurance when you have an event that may cause your premiums to increase.  Some events that might give cause to compare auto insurance quotes are if you have a ticket or accident that is more than 3 years old and is falling off your driving record.  Another event that might give rise to getting multiple auto insurance quotes is if you have a new driver in your household.  Teen drivers can cause a lot of anxiety for the person or persons who is job it is to shop for insurance.  Lastly, if you move to another part of a large city or state it might be a great time to do an insurance quote comparison using the web to compare insurance quotes online or call a local agent to compare car insurance prices.

What are insurance rates by car?

Although there isn’t a hard and fast rule to say what car is going to give you the best insurance rates here are some ideas to compare insurance.   Generally speaking, newer vehicles will be more expensive to insure than an older vehicle.   Newer vehicles cost more money to replace and sometimes parts can be more expensive and harder to find than parts for older cars.  The better the safety rating on the car will make it easier and give you a better auto quote comparison than on a car that has a bad safety rating.  Think of trying to get multiple car insurance quotes on a dragster versus a Toyota Camry.  Sometimes 4-door sedans come out better in a car insurance price comparison over the 2-door sport car.


Now you have some tools to get you stared the next time you want to look at auto insurance comparison tools or just insurance comparisons in general.

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2 years ago · by · 1 comment

Find Auto Insurance

Auto Insurance

Researching Online Auto Insurance Quotes


Many companies offer free auto insurance quotes.  You should never have to pay to get car insurance quotes.  Many times you can receive a quick car insurance quote while you wait on the phone or auto insurance companies can give you insurance quotes by asking you a series of questions like your name, address, drivers’ license information and vehicle information.   For drivers in Arizona you can find a list of insurance companies here.

How do our auto insurance companies stack up?

These days there are so many options for car insurance quotes. There are many different car insurance companies and if you are looking for auto insurance quotes you can look for car insurance quotes online or call an independent agent for a free car insurance quote.  To receive a quote please click here.


Choosing and auto insurance company is very important because many people want to know how to get car insurance.  Online insurance can be tricky because many people don’t realize what some of the different coverages are and the differences between them.  Sometimes it is beneficial to go with a local car insurance company over purchasing car insurance online.

How do I find car insurance near me or insurance companies near me?

We have found Google, Bing, and Yahoo! Excellent resources for cheap insurance quotes.

You might find that by searching the internet you can receive online car insurance quotes as well as get insurance quotes from local agents.   Make sure your car insurance company understands your needs when it comes to things like coverage, deductibles, and even how you pay for your automobile insurance.  Some national vehicle insurance companies have many payment options while some local auto insurance companies might not have the same payment options. 

Drivers are required to have auto insurance in most states. As a result, for most people who buy car insurance it is an important purchase. It can also be an expensive cost to budgets.

There is good news! There are ways to keep the cost of your car insurance plan minimal.   People may be able to save serious money if they work directly with a car insurance agency instead of online car insurance companies.

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3 years ago · by · 3 comments

Cost of Contractors Insurance

Applying for contractors insurance has become a necessity in the modern-day world. It helps you prepare for the unforeseen and compensates you for the financial liabilities in case of an accident.

Yet, the question still stands: how much does it cost? The answer to that isn’t as black and white because it depends on a variety of factors.


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3 years ago · by · 1 comment

Cab Insurance or Taxi Insurance

Cab insurance or taxi insurance

First, by purchasing cab insurance, you will be legitimately ready to offer passengers transportation legally.

Additionally, operating a taxi can be a great way to make money in Arizona. For instance, people are always in need of rides to bars, to the airport or wherever else they need to go. However, it is important that you have sufficient cab insurance if you want to operate a legal taxi company.

Cab Insurance Arizona Requirements

Next, if you are going to operate a taxi in the state of Arizona, you must carry $250,000 of primary commercial coverage in addition to $250,000 of uninsured motorist coverage. However, this is only during times in which you are transporting a paying customer. Also, proof of insurance must always be carried and presented upon request to anyone who asks for it.

Taxi insurance Arizona requirements when not transporting customers

In addition, if you are driving a taxi in the state of Arizona without any passengers inside, your taxi insurance requirements less. For example, this means that you only have to carry $25,000 of liability for a single person and $50,000 to cover two or more people. Furthermore, you must carry $20,000 to pay for any property damage that occurs in an accident with taxi insurance.

What happens after an accident?

In addition, if you get into an accident while driving a cab, an investigation will be performed. Also, you are responsible for presenting proof of taxi insurance and meeting all other requirements to be a taxi driver. Next, your cab insurance Arizona provider is required to provide information that would help an investigation proceed. Furthermore, after an investigation, one party will be responsible and legal proceedings may take place if applicable.

What happens if your commercial insurance policy lapses?

Additionally, if your cab insurance lapses, you must either get a new policy or stop operating as a taxi. Further, your taxi insurance company may allow you to renew your coverage automatically or alert you  that your policy will lapse. Clearly, this gives you ample time to ensure that your policy remains valid.

Whenever you operate a motor vehicle whether for private or commercial purposes, don’t forget to have adequate taxi insurance. Clearly, it will help you avoid financial and legal penalties that can harm your personal finances as well as your ability to make a living driving your car.

Contact us with any questions:

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3 years ago · by · 0 comments

Medical Transportation Insurance or NEMT

NEMT Transportation Insurance

First, medical transportation insurance has become very popular
over the past few years.  Next, as the healthcare industry of today continues to evolve, one aspect that has taken on greater importance has been non-emergency medical transportation insurance needs.
Also, since people are unable to use standard public transportation, there is a need for the elderly as well as those who are disabled to need this service.  However, NEMT insurance can be confusing for many people. In addition, medical transportation insurance for Arizona, Nevada, and California businesses needs vary greatly.

Types of NEMT Insurance Coverage

Further, this business deals with a wide variety of clients and it requires various types of NEMT insurance coverage to ensure it can be protected.  Next, some of the most common types of coverage for Non-emergency medical insurance transportation include:

  • Commercial
  • General
  • Directors
    or Officers Liability
  • Abuse
    or Molestation Coverage
  • Professional

Also, by making sure they have correct coverage, medical transport companies can have peace of mind, knowing they are fully protected.

Non-Emergency Medical Insurance Industry

In addition, medical transport insurance is highly-regulated and is
required to be in compliance with many state and federal rules and regulations.  Also, non-emergency medical transportation insurance for Arizona, Nevada, or California must be carefully analyzed to ensure it will allow the business to meet whatever guidelines are in its individual state. Furthermore, this is important when it comes to the company’s transportation managers, dispatchers, or other personnel. 

Special Equipment Coverage for Commercial
Transportation Insurance

Moreover, since insurance requirements for Medicare and Medicaid can vary greatly, they have many, many details associated with them. Therefore, it’s vital to have coverage for any special equipment that may be part of each vehicle. In addition, whether it’s special seating, doorways, or lifts for wheelchairs or other mobility devices, having special equipment coverage can ensure your business will be able to have coverage for virtually any situation.

Obtain the Medical Transport Insurance Coverage
You Need

In addition, to make sure your business is not facing a potentially costly
legal situation, it’s crucial to obtain non-emergency medical transportation insurance for Arizona, Nevada, California, or other areas where this coverage is needed. Finally, by determining your needs, you’ll be able to meet whatever standards Medicare, Medicaid, or state insurance regulations require.

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