If you own a business that has a large number of vehicles, whether it be cars, vans or trucks, then it pays to look into obtaining a commercial fleet insurance policy.
This will give you a much better cost per vehicle by getting a policy that encompasses all vehicles instead of having individual policies on each of them.
There are several different policy options that you can choose from to make sure you have the correct coverage that will be sure to protect you and your business.
The standard policy that offers the best complete coverage is comprehensive coverage and basic liability insurance.
This type of policy will cover things such as medical damages in the event of an accident to one of your drivers in addition to any other injured parties or repairs that would needed for your truck.
If you own all of your vehicles and they have been paid off in full, you could go with just a liability policy which covers other parties that would be injured in an accident.
Any type of medical bills or repairs required by the person that was injured would be paid for under this type of policy assuming your driver was responsible for the accident.
While this type of policy will help to lower your monthly premiums, it will not cover your driver or any type of damage done to your vehicles that would require repair work to be done.
When it comes to hiring drivers for your vehicles, keep in mind that there will be several factors that insurance companies will be looking at when pricing out a policy.
Such things as the driver's age, past speeding tickets and accidents where they were at fault all will be factored into the insurance quote that you receive.