Cut Back Commercial Auto Insurance During OFF-Season
by A. Montalbano on 04/24/15For a contractor such as lawn service, how do you cut-back on insurance during the off-season? AG Insurance Solutions and Progressive Insurance has the answer:
Ever mowed a lawn in January? Or plowed a snowy driveway on a hot July day? If you own and operate a seasonal business, chances are you aren't working in the off-season, so the insurance you carry should be different than what you carry in-season.
Leading commercial auto insurers like Progressive offer
seasonal insurance for businesses like landscapers, snowplow drivers, ice cream
truck owners, and more. These coverages allow you to customize your commercial
auto insurance based on when your business is running on all cylinders — and
when it's not.
Progressive offers these tips for getting the most out of
your policy in the off-season:
- If
your vehicle will be parked during the off-season, you may think you
should cancel that vehicle's insurance during that time. But if you’d like
to protect your vehicle and still save a little money, just switch your
insurance to a Comprehensive-only policy. This will give you basic
protection against incidents like vandalism, theft, falling tree branches
and hail.
A Comprehensive-only policy also gives you the bonus of having continuous insurance coverage. If you drop your insurance completely, you may pay significantly more to get a new policy when in-season rolls around because most insurance companies want to see proof of continuous coverage.
- If
you plan to drive your work truck or other vehicles for personal use
during the off-season, let your insurance carrier know. They can adjust
your policy to reflect personal use, which can be less expensive while
still providing coverage.
Claims
handling capability is the most important feature we sell our commercial
customers. Progressive consistently proves superior at settling commercial
claims quickly. Call AG Insurance Solutions at 888.345.8889 for a free quote on
your commercial vehicles today.