Insurance Blog

IMPORTANT NOTICE: HURRICANE MATTHEW!

Wednesday, October 5th, 2016

RRL is making preparations for Hurricane Matthew.  Our office will be closing 12 noon Wednesday, October 5th and will remained closed until it is deemed safe to reopen for business – we will be posting updates via our website, Facebook and Twitter.   The safety of our clients and staff is extremely important to us, as well as your financial well-being.  In the event that the hurricane severely impacts our area, we will make every effort to have our agency to re-open as quickly as possible following the storm.

Access your policy 24/7 or report a claim directly from your smartphone or tablet. Sign up or log in to our online client portal: https://portal.csr24.com/mvc/6943700

Limo Insurance and Fleet Limo Insurance: Covering You on All Sides

Wednesday, January 8th, 2014

Limo Insurance and commercial transport insurance covers your vehicles and liabilities

Limo insurance such as limo fleet insurance and limo bus insurance falls under the category of commercial transportation insurance and requires skilled consideration and selection. If you operate a limo bus, charter bus or limo fleet you need proper commercial transport coverage to protect your financial interests in the event of some misfortune. Euclid Insurance Agencies specialize in commercial transport insurance including limo fleet insurance and limo bus insurance. They understand the requirement that are specific to commercial transportations insurance and will match the right limo insurance to your needs.

There is a wide array of policies and insurance plans that apply to limo insurance. These include auto liability, general liability, property insurance, workers compensation and more. You need to know that you are covered for physical damage to your vehicle as well as damage to 3rd party property. Damage can result from many things including accidents, storms, vandalism or some other unfortunate event.

In the event of an accident and injury to others you want to be sure you are covered for any liability claims, including emergency and medical services and costs. Liability claims can run into millions so you want to have adequate cover to protect your financial interests.

Whether you operate a transport service or rent out limos for special occasions you want insurance tailored to your needs. Apart from the right mix and match of insurance products, you need limo insurance that is cost effective and affordable.  When you deal with a specialist limo insurance agent you know you get the right insurance at the right price. You also know you get first class service, hassle free online quotes, flexible premium financing, proper cover, many deductibles and fast claims processing. You know you will get the quality service you deserve whether you operate a single limo bus or a whole limo fleet.

Sand and Gravel Haulers Insurance and Garbage Truck Insurance

Thursday, December 26th, 2013

Commercial Transportation Insurance

 

When you provide a specialized service such as the removal and transportation of sand, gravel, refuse and garbage you need special insurance to match. Euclid Insurance provide best value commercial transportation insurance options including

 

 

The insurance requirements of commercial transportation including haulers, truckers and recycling are very specific and you if you want to be sure you have the coverage for your trucking of hauling business you need to speak to experts in the field.  You want to protect you assets, your loads and cover potential liability claims.

 

You need professionals who understand your business and can accurately assess your risk profile and arrange the right commercial transportation coverage, be it sand and gravel haulers insurance, refuse haulers insurance or garbage truck insurance.

Whether you in the business of commercial or residential waste hauling or you need cover that matches your needs and your budget. If you transport hazardous waste products you need a special policy for that. You want to be sure you are covered for physical damage, auto liability, contractual liability, spill and pollution liability and more.

In addition to adequate protection and coverage you want sand and gravel haulers insurance that is cost effective, affordable and reliable. Whether you operate one truck or a whole fleet you want garbage truck insurance tailored to your needs and your budget.

If you operate in the commercial hauling and trucking business you need more than just transportation insurance, you need proper risk management services. You need to speak to the people who take the time to understand your business and its associated risk profile.

Euclid Insurance understands the trucking and hauling business and will shop around to find the best insurance coverage for your requirements.

Medical Waste Haulers: Waste Company Insurance Covers That!

Thursday, December 19th, 2013

Waste company insurance covers medical waste haulers and recycling companies

Companies involved in specialised transport activities such as the removal and dumping of waste products require specialised insurance to protect their interests. Waste company insurance for medical waste haulers and insurance for recycling companies are good examples. This type of custom insurance calls for an insurance expert in the fields of refuse removal, waste hauling and the transportation of recycling goods.

Euclid Insurance offers professional and custom waste company insurance for recycling companies as well as medical waste haulers.  Hauling insurance has specific requirements and insurance for medical waste haulers and recycling companies is a complex and technical field that requires an insurance agent that is skilled and competent in this area.

There are many aspects to insurance for waste haulers including vehicle damage, liability insurance, product liability, dangerous cargo liability, accidental spills and many others. So whether you are a garbage and waste collector, medical waste hauler or a recycler, you need special and specific waste company insurance for your cover and financial protection.

You need an insurance team has the knowledge and experience to properly asses you risk profile so you get sufficient coverage to safeguard your business investment and cover your losses in the event of an accident or other misfortune.  At the same time you need waste insurance that is affordable and won’t break your budget.

When it comes to safety and claims you need the type of insurance and risk management programs tailored for your industry and to your specific risk areas. You need to be sure you are covered when it comes to matters and issues of workmen’s compensations,  performance bonds, accidents  and spills, liability, loss of income and so on.

It makes sense to speak to insurance people who have experience and knowledge of waste and recycling insurance.

Limo Insurance and All The trimmings: Why You Need Limo Insurance

Thursday, December 12th, 2013

Top limo insurance information for you

Limo Insurance: Ensuring a limo like Bentley, Aston Martin, Rolls-Royce, Ferrari or Maybach, costs as much as a new car or an apartment. Insurers say that 10% of policies concluded annually are for expensive cars. For a Rolls-Royce, whose insurance value is 500,000 euros, a voluntary insurance policy is about 25,000 euros. The amount of the annual premium voluntary insurance depends on many factors, as franchises may vary if the insurance premium payment is made in parts or in full, depending on any additional risks or on the age of the insured.

The representatives of insurance companies believe that there are two categories of customers for voluntary insurance policies that own an expensive car. “Some of them are the so-called rogue, of whom everybody must see that have expensive cars, to show how wealthy they are. The second category is the business people, who work for good money, and are not in the mood to walk with a normal car”, says the director of an insurance company. As for damage, usually they are very rare, because the owners of these ‘jewels’ on four wheels do not drive them every day and they are very careful drivers. According to the director, the level of damages covered by the limo insurance policy depends very much of the place where the reconditioning is made, at home or abroad. “Voluntary insurance policy covers the reconditioning from abroad, in case this cannot be made in the country. It may take from three days to three weeks before the owner regains his car. These cars are addressed to high class segment, the pieces come on order, and the workmanship hour is much more expensive than for cars that are not part of luxury category”, says the director. In case there occurs a damage, even if the owner has voluntary insurance, he must pay a certain amount from his own pocket.

Construction Equipment Insurance: Why You Need it

Thursday, December 5th, 2013

Farm equipment and construction equipment insurance

The most difficult part of the work on a building yard is executed by means of machineries and equipment. From excavations, transporting materials, demolition and removal of debris from the building yard, to ensure electrical energy – everything is insured by machines. But what happens when the equipment and machinery suffer accidents, resulting material damages? Construction equipment insurance is the most effective method to protect your investment.

The goods that can be insured are motor vehicles/vehicles, trucks and special equipment on condition that they are terrestrial, for example construction equipment (bulldozers, excavators, front loaders, compactors, cranes, concrete pumps, etc.), those used in agriculture (tractors, croppers, Seders, balers, plows, harrows, discs and other related equipment), or any other special equipment (drilling machines, utility cars). Goods are insured for damage during work and during the time in which they are stored/ parked in the working places or in garages. Compensations are given for property damage produced directly by the deterioration or destruction of the insured properties, caused by collisions (collisions, knockings or impingements) with other movable or immovable objects.

There are no compensations for:

• Goods that are used for leisure activities (ATVs, scooters, snowmobiles, etc.);

• Damage caused, directly or indirectly, by the action of explosive devices or firearms;

• Damage to third parties (third party liability);

• Injury caused by, or aggravated, directly or indirectly by or as a result of a fall (falling into a gulch, falling into water during transhipment, falling because of a broken bridge, etc.) or twists;

• Damage caused by, or aggravated, directly or indirectly by or as a result of theft or robbery;

• Displacements to and from the building yards/work centres;

• Injury due to damage or failure of parts or non-approved subassemblies fitted to the insured good;

• Damage derived from mechanical or electrical failure

Insurance for Landscapers | Charter Bus Insurance | Demolition Contractors Insurance

Thursday, November 21st, 2013

Do You Own A Landscaping Company?

Insurance for Landscapers: If you have a company which offers professional landscaping services, you have probably had to deal with finding a good offer for your insurance for landscapers. Yep, a pretty difficult job, to say the least.

So here are some things you should know about your insurance:

  1. Your business insurance for landscapers should be just as big as your company is. So, for example, if you have a small kind of business which offers simple services such as land mowing or grass cutting, then your insurance will be cheaper, covering the value of your company.
  2. As time goes by, you may want to hire a professional in exterior design. You know, to grow your company and extend the range of services you are putting at your clients’ disposal. Well, you should know that each and every addition to your business must be reflected in your insurance for landscapers. Because, as your business grows, so does its value. And so should its insurance.
  3. Don’t forget that your business is rather seasonal. Because, well, nobody wants their grass cut when their garden is covered in snow.  The not-so-good news is that you can’t buy insurance by the month. So you will be buying it upfront, for an entire year. This is why it is so important to make sure you find the best balance between coverage and price. And don’t think that your insurance is worthless during winter: there have been claims of stones thrown from lawnmowers into car windshields…

There you have it: three quick tips to help you get a better insurance for landscapers. Keep them in mind when shopping for a new policy. They’re so simple: it’s a seasonal business, take into account your business’ size, and modify the insurance policy as your business grows. Good luck!

Garbage Truck Insurance | Trucker Insurance | Waste Company Insurance

Thursday, November 14th, 2013

Claims Your Garbage Truck Insurance Should Cover

Are you the owner of a waste company? Do you have garbage trucks in your company backyard? Are you insured for ALL the damage and dangers that looms above your business?

Your case is special; it’s different from all other businesses. Why do we say this, because you will need a different type of insurance for your kind of company. I know you often hear the saying “tailored to your business needs” and you think about it as being a cliché used by marketers to attract more clients.

Yes. It is a cliché. Yes. It is also very, very true.

Why?

Let me explain.

Your business is completely different from a – let’s say – company which offers website design and programming services. Yes, it is different from all points of view, you may say except for one: they both need business insurance. But they do need different policies.

Here are the things your garbage truck insurance and waste company insurance should include:

–          Liability insurance (for both bodily injury and property damage)

–          Medical payments

–          Physical damage insurance (for both comprehensive physical damage protection and collision damage protection)

–          Uninsured or underinsured motorist (this type of insurance is very similar to the liability insurance)

So these are the basics. There are some other types of coverage you can ask to be included in your policy: rental, towing, trailer interchanges, accessories, and so on and so forth…

As mentioned at the beginning of this article, you should balance the real dangers which may affect your business and choose your insurance coverage accordingly. In most cases a specialist from the insurance company will help you decide upon the most important factors, but you should do your homework prior to entering the offices of an insurance company.

Insurance for Recycling Companies | Insurance for Medical Waste Haulers

Tuesday, September 24th, 2013

Insurance for Recycling Companies: Starting a Recycling Company At home – Things You Need To Know

Insurance for Recycling Companies: More and more people are looking for a way to work from home; they are either dissatisfied with their employers, they are dissatisfied with their wages, or they simply cannot afford to work at an office anymore (women who gave birth, the physically challenged and so on).

If you want to start a business in the comfort of your own home, then a recycling company can be a very good idea. This activity is paid by the hour, by the project or by the volume of material removed; either way, you stand great chances of making a profit from the very beginning

Provided that you have enough free space in your backyard, there are only a couple of other things you need to take care of before you can open your doors to clients.

  1. Cautions – prevention is the best cure, a saying goes. And it is true. This is why the first and probably best advice for you at this point is: take all the necessary precautions before you open your business. This includes finding quality insurance for recycling companies and insurance for waste haulers. After all, you don’t want to wake up one day and see your entire business broke or destroyed.
  2. Marketing – you will have to promote your business. This is available for any type of business out there; but, being a new player on the market, you need to spread the word about your activity. Start with adding a sign on your truck or sending letters to neighbors close to your premises.

But, coming back to your insurance for recycling companies, don’t forget it is one of the core things you should do before opening your doors. Remember your business is prone to dangers from the moment the first client walks on your door; bulletproof your business with insurance now

Construction Equipment Insurance | Long Haul Truckers Insurance

Wednesday, September 18th, 2013

Construction Equipment Insurance: the OR for Construction Equipment?

Construction Equipment Insurance: Do you remember that, as a child, you would suffer a lot when your favorite toy broke? In most childhood stories one of the adults in your family took the damaged toy and told you they were taking it to the Toy Hospital.

What a nice way to put it, right?

Now, as you look at yourself in the mirror you may not see the child in you, but you still acknowledge the need for an OR for every piece of equipment you have in your company.

And perhaps you don’t call the car service an “Operating Room”; but for your construction equipment it is just that.

Truckers’ agencies and construction equipment agencies would not survive on the market if it weren’t for construction equipment insurance. If the tiny toy truck could be mended with a bit of glue and some nail polish, then things get a bit more complicated with real-life trucks and equipment. And they get more expensive too.

This is why long haul truckers insurance is so important for your business. So that, whenever one of your trucks gets “sick” you don’t have to worry about expenses.

Choosing the best insurance company for your truck fleet

Not only your truck fleet, but your construction equipment insurance policy – both have to be of high quality. Choosing an insurance agency is not an easy job; most people are not happy with their insurance company but they don’t have time to look elsewhere. Don’t be part of this category; search for the best option out there and don’t give up until you will have found it.

Here are a few guidelines to help you find the best insurance company for trucks and construction equipment:

  • Choose an agency that has handled thousands of claims so far
  • Choose an agency which has impeccable customers service
  • Choose an agency whose clients are satisfied (search for testimonials and ask for recommendations)