Insurance Blog

Limo Insurance | Limo Bus Insurance | Limousine Insurance Broker

Monday, August 26th, 2013

Limo Insurance : Is a Whim a Luxury? Or Is It The Other Way Around?

Limo Insurance is highly important, remember that. However, I digress. So I hear in some countries around the globe – Romania for example (an Eastern European country) – they increased taxes on luxury items. This way, politicians claimed, the nation will have more money which they can use to invest in roads, health and education.

In the US, on the other side, the state has other means of ensuring individual property. For example, if you have a truck, you also need to have truckers insurance. If you want to benefit from healthcare, you need have health insurance. It is just the way things go in different countries and it can help us come up with new and better ideas on how to save money and how to use money wisely, to the benefit of the people.

So the next question arises: is a whim a luxury?

If you want a luxurious limousine insurance broker, then yes. If you simply want homemade chocolate pie most would say no. So this is why limo bus insurance is compulsory as well: while you can eat the chocolate without any risk (except for diabetes), you often cannot afford to pay for the limousine if it is involved in a car accident and destroyed.

So the limo is a whim… and a luxury.

What about the other way around?

Luxury items such as limo insurance may be considered a whim if you live in a rented apartment. But for some people, they might be necessary items. Well, not for many people, but there are some who simply cannot afford to show up at special events in an ordinary vehicle: presidents, kings and queens, and sometimes even TV stars – it is just the way society works right now.

Maybe in the future we will be able to lower these standards a little bit and be more… conservative? Until then, if you have a limo – whether it’s a whim or a luxury – make sure you also have limo insurance. Just in case.

Waste Haulers Insurance | Sand and Gravel Haulers Insurance

Friday, June 28th, 2013

Waste Haulers InsuranceWaste Hauling Companies Protect the Environment — But Who Is Protecting Your Business?

Waste Haulers Insurance: From training employees and maintaining the necessary licensing to staying up-to-date with industry compliance, Waste Haulers Insurance, and Sand and Gravel Haulers Insurance, waste hauling companies have a lot on their plate. Not only do you need to know the ins and outs of your business, but you also need an in-depth understanding of the industries you serve — not to mention the ‘usual’ duties of running a profitable company.

The bottom line is this: you work hard to create a successful business, so you should be confident that the waste haulers insurance you select works hard to protect it.

Finding the right insurance for waste haulers can be complicated. Your industry faces substantial risk both to employees and the environment. Risk factors include what types of materials you transport, population density of the areas you serve, whether or not you work with transfer stations, how waste is disposed of, and others. Insurance for medical waste haulers, is even more complex, because you are dealing with the risk factors associated with the proper handling and disposal of biomedical waste. With so much at stake, you can’t leave your waste haulers insurance coverage to chance. That is why it is so important to work with an established and reputable agency — one that truly understands your business and your insurance needs.

Many companies may offer insurance for waste haulers, sand and gravel haulers insurance for sand and gravel haulers,  and insurance for medical waste haulers, but few have the experience and resources to provide accurate risk assessment and access to the right coverage at the lowest premium. With more than 50 years serving businesses just like yours, Euclid Insurance can work with you to identify potential problems, calculate the amount of coverage you need, and help keep your businesses protected for less. It’s not just about getting the lowest rate. It’s about getting the coverage you need to adequately protect your business at the lowest rate. We know your business and can help you get there.

How can limo operators save money and maximize coverage in this environment?

Friday, June 7th, 2013

limo-insuranceBetween the deadly San Francisco limo fire and recent tornadoes that devastated Oklahoma, many limo and charter bus companies have come to us asking how they can  secure their investments without breaking their budget. Here are a few tips to help you maximize your limo bus insurance coverage in this environment of uncertainty.

Think like an Underwriter – With insurance companies paying out huge sums in the wake of these tragedies, they are looking for ways to minimize risks, and they want to know that the companies they serve are doing the same. So you have to ask yourself — what risks does my company face? What practices have I put in place to minimize those risks? From keeping a strict maintenance schedule to participating in ongoing driver training, these programs can help save you money on your charter bus insurance coverage.

Minimize Risks – It’s not enough to just identify the areas that need improvement, you actually need to invest the time and resources to making those improvements. Whether it’s an unreliable driver or vehicle that could use repairs, take the time to address these concerns make any necessary changes. Eliminating these problems can mean reducing incidents, less claims and lower limo bus insurance rates.

Partner with an Expert – Working with an experienced charter bus insurance provider not only helps you compare rates and enjoy the flexibility of shopping different policies. It also provides you with a partner who has your success and best interests at heart. With more than 50 years in the commercial transportation insurance industries, Euclid Insurance prides itself in not only being able to provide your company with competitive insurance options, but also offering you quick responses and the personalized service you deserve.

If you’d like to review your coverage or want to learn more about our expert livery insurance solutions, contact us today. We’re here to serve you.

Will the limo fire deaths affect insurance rates?

Friday, May 31st, 2013

limo-fireWhen a deadly San Francisco limousine fire resulted in the deaths of a bride-to-be and four of her friends, it left many of us asking – could this have been prevented? At this time, investigators are still searching for what caused the fire, leaving us with more questions than answers. Until then, we can only speculate how this incident may affect other livery businesses and limo insurance rates.

While these types of incidents are rare, they do serve as a reminder of how important it is to properly inspect and maintain your fleet. Even seemingly insignificant maintenance issues can result in serious problems if ignored. However, regardless of how much attention and care is given to fleet maintenance, and driver training, the fact remains – we can’t always prepare for the unexpected.

That is where public livery insurance comes in. Selecting a reputable insurance provider is the first step to ensuring you have the right amount of limo insurance coverage — coverage that can protect your business, should the unexpected occur. While it’s too early to forecast how this event will affect rates, we do know that insurance carriers are taking a more measured approach to calculating risk and and evaluating claims. As an experienced public livery insurance provider, Euclid Insurance will continue to stay abreast of any industry changes, keeping you informed along the way. We’re in this together.

Understanding Livery Insurance

Thursday, May 16th, 2013

Here’s What You Need to Know:

Whether you operate a limousine, shuttle bus or taxi, you’ve probably invested a substantial amount of time, money and effort towards presenting an appealing product to your customers. From keeping your fleet clean inside & out and training professional, uniformed drivers to creating eye catching marketing materials — your polished image helps attract business and gives people a positive opinion of your brand.

In the livery industry, image is essential…but it’s not everything.

Sustaining the professional image you’ve worked hard to create means having the service, resources and safety net to back it up. It means delivering impeccable service, handling conflict resolution with grace, and remembering that satisfied customers are your biggest advantage. It also means protecting your reputation and the livelihood of your business by selecting the right insurance coverages, and working with a reputable livery insurance broker who understands the unique demands of your business.

It’s not enough to just look like a sound, well-grounded professional — you actually have to be that reliable provider.

So, you understand that you need the right insurance coverage, but where do you start?

There are a limited number of limousine insurance brokers, but that doesn’t mean they’re all specialists in their field. Established and respected providers offer unique industry insight and have developed specialized programs for hundreds of businesses just like yours. They can help keep your premiums low, ensure you have adequate coverage and identify ways you can save now and in the future. In addition, you can have peace of mind knowing that they are equipped to assist you with any insurance claims or questions.

Insurance Carriers vs. Brokers

In the livery business, as in the insurance business — competition keeps costs competitive. Working with a livery insurance broker allows you to compare rates from different carriers and keep your operating costs low. So, you can enjoy the right coverage and the right price.

What Types of Coverage Do You Really Need?

The needs of a large limo transportation company will differ greatly from those of an owner operator taxi service. Working with an experienced limousine insurance broker will help you identify those unique requirements. Coverages such as Workers Compensation, Employment Practices Liability, and General Liability are extremely important to consider for all providers. They will help protect your business investment and livelihood when you really need it most.

Keeping Costs Low

Most limousine companies and transportation providers ask, “How can I keep my insurance costs low?” Skimping on insurance coverage is never the solution, as it can cost you in the long run and even put you out of business. However, there are a few things you can do.

  • Hire & Train Qualified Drivers – Choosing the right professionals presents the best image to your customers and it can keep your premiums low and reduce your chances of an accident.
  • Keep Your Insurance Provider Abreast of Any Changes – Changes in fleet vehicles or new drivers need to be reported right away. If they are not, and there is an accident, your insurance carrier may significantly reduce or deny coverage.
  • Properly Maintain Your Fleet – A well maintained fleet is less of a liability, so insurance carriers are more likely to give you preferred rates if you operate vehicles that are in good condition and are routinely serviced.
  • Choose an Experienced Livery Insurance Broker – A broker that has in-depth experience working with your industry is better equipped to assess risk, calculate the appropriate coverage to meet the growing demands of your business, and anticipate any industry changes that may affect your insurance requirements.

Create a professional image and excellent reputation — working with the right insurance provider can help get you there.

Building Our Future

Thursday, May 9th, 2013

Out with the old — in with the new. As America’s landscape progresses and cities evolve, aged structures need to come down so new ones can take their place. That’s where demolition and recycling companies play their part. A huge component of the development process, these companies are responsible for safely dismantling existing buildings and reclaiming, salvaging or processing materials for future use. They change the face of our cities, making way for new developments. In addition, they repurpose and recycle brick, wood and metals, keeping waste out of our landfills eliminating the need for sourcing new materials. While the work remarkably important, it does come with some risk.

That’s where Demolition Contractors Insurance comes in.

Securing Your Success

Demolition contractors insurance & insurance for recycling companies is vital to securing the future of your business. Not only does it cover your team and equipment, but it also protects your business from liability and any legal action you may encounter. In fact, it’s so important that most general contractors and clients don’t even consider working with companies that aren’t adequately insured. The upfront insurance costs pale in comparison to the costs your business could incur if it’s not properly insured — not to mention the loss in revenue from jobs you don’t receive simply because you lack the right insurance. Selecting the proper demolition contractors insurance sets your business up for success. So it’s critical that you don’t cut corners.

Teaming Up With the Experts

Experienced contractors know how important it is to choose the right tools & equipment and assemble the best team. The same holds true for selecting the best insurance for recycling companies. There are many things to consider when evaluating an insurance provider:

  • Is this an established provider?

The insurance industry has seen many companies pop up overnight…and they can disappear just as quickly. Working with an insurance company that has stability and a history of success provides you with peace of mind and security   knowing that they will be there to offer expert assistance should you need to file a claim.

  • Do they specialize in the demolition/recycling industry?

A provider that understands the unique demands of your industry is better equipped to assess risk, calculate the appropriate coverage to meet the growing demands of your business, and anticipate any industry changes that may affect your insurance requirements. With a specialized insurance provider, you can spend less time educating them about your needs and more time focusing on what matters….building your business.

  • Are they competitive?

While it’s not wise to chase the best rates at the expense of adequate coverage, working with an independent agent gives you the ability to compare rates and keep your operating costs low. When you work directly with the insurance carrier,   you don’t have the opportunity to explore all the options available to you. Again, choosing an experienced provider can ensure you get the right coverage and the right price.

Your work is important…and so is your business. So make sure you’re protected from risk and backed by a company that has your best interests at the center of their focus.