Trucking Insurance Myths To Avoid While Researching Policies

B & G Insurance assists the Miami, FL community by offering several types of insurance policies. We strive to ensure that our clients find the coverage that fits their needs and lifestyle.

Trucking Insurance

The trucking industry is often overlooked; however, truck drivers play an important role and have a demanding job. Trucking insurance allows drivers to stay safe while they are on the road. The policy covers any physical damage to the truck. You can also add cargo protection so that any damage that occurs to the freight will be covered. There is a lot of misinformation regarding trucking insurance floating around, so here are some common trucking insurance myths to avoid.

You Don’t Need Your Own Insurance

It’s important that you have your own personal coverage so that you’ll have an extra layer of protection. In the event that you are involved in an accident in which you may be held liable, depending on the language in the trucking insurance policy, you may not be covered. That’s why it’s important that you have your own personal coverage so that you will be protected in any situation.

You Should Research Your Own Cargo Coverage

This is not true, as you should be able to add cargo coverage to your existing policy. There’s no need for separate policies. If you are involved in a situation where the truck and cargo were damaged, you’ll spend a lot of time having to fill out paperwork. Adding cargo coverage to your existing policy is more efficient.

B & G Insurance Will Guide You Through The Process

For more information on trucking insurance policies, please stop by our office in Miami, FL.

Do I Need Fleet Insurance if I Have More Than One Truck?

Being properly insured is part of doing good business. It not only protects you and your investment, it protects others as well. When you have more than one vehicle, you may qualify for fleet insurance. Fleet insurance offers many of the same benefits as a multi-car policy for homeowners except this type of policy is designed for commercial policies. At B & G Insurance, the agents work with Miami, FL based businesses to ensure they have the right type of coverage to fully protect their business.

Multiple Vehicles

Having multiple vehicles can actually make you eligible for specific discounts. While the discounts may vary from policy to policy,  fleet insurance policies are written to help business owners maintain their bottom line without losing control of their budget. The goal is to provide the best coverage possible for a price that is affordable.

Safe Drivers

One of the most important factors when determining any type of insurance quote or premium is knowing the safety record of the drivers. Hiring drivers with a clean driving record is essential if you want to keep your insurance costs as low as possible. You can obtain a driver’s  DMV record by contacting the agency and requesting a copy. It’s important to keep an up-to-date record in their employee file.

Business owners in Miami, FL can always get the answers they need by contacting the agents of B & G Insurance. Whether you need to insure one vehicle or 100, they will have the answers you need to make an informed decision. Guessing when it comes to fleet insurance can be a dangerous game. Don’t risk your business, call and talk to an agent today!