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 have an off season where you don’t work much, or at all, so the insurance you carry should be different than what you would carry in-season.
Leading commercial auto insurers 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 full time, and when it is not.
Here are a few 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, simply switch your insurance to a Comprehensive-only policy. This will give you basic protection against incidents such as 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 it is your busy season because most insurance companies don’t like to see lapses in insurance 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 the coverage you need.
STL Insurance Stop will help you find the right commercial auto insurance coverage for your needs, whether you work year round, or just part of the year. Call STL Insurance Stop at (314) 475-5637 for a free quote on your commercial vehicles today.