When you’re driving a tow truck in Florida, a lot can happen. You may get into an accident, cause damage to a vehicle that you’re towing, or run into a number of other scenarios. Having tow truck insurance that you can count on is critical. There are a number of things to consider.
Coverage Levels
Coverage levels can vary when you drive a tow truck. You need to meet the state minimums for liability insurance in Florida. From there, you will want to make sure that you have sufficient levels of liability for bodily injury and property damage.
It’s also important to seek out owner operator insurance if you’re the owner of the tow truck. It will protect you in more scenarios, including if someone else is driving your tow truck for business purposes.
It’s easy to think you know how much coverage you need. However, you want to limit the out-of-pocket expenses that you could endure in any kind of accident. Due to the nature of your business, you carry more risk than the average truck driver.
Premium Costs
There’s a reason that premiums are listed last. You don’t want to focus solely on price because it can leave you with holes in your coverage. It’s best to establish what you need first. Then, compare premiums between different insurance companies. It will allow you to save money without worrying about whether the insurance company will accept a claim when you submit one.
You can explore discounts and other options when you work with a professional, independent insurance agent.
At J.E.B. Insurance Services, LLC, we’re here to help you with all of your trucking insurance needs. We service not only Florida but also Georgia, Texas, Illinois, Iowa, Nebraska, North Carolina, South Carolina & Tennessee, ensuring that you have a go-to agent to help you find the right policy.
