How to Shop for Insurance

When it comes to shopping around for insurance in VA it can be a little stressful. There are so many coverage options and insurance agencies willing to help businesses with their needs. It can be hard to know where to start. With these three tips on what to look for, however, you can find the right agency for you in no time.

Look for Experience

Don’t settle for someone that hasn’t been at the top of their game for years. Some insurance agencies have been leading the way for many years. You don’t have to settle for anyone that isn’t experienced or specialized in your particular business needs.

Look for a Fast Quote

You don’t have time to wait around when you have a business to run. Finding insurance in VA is imperative to the life of your company. You’re not going to want to waste your time waiting on a quote when you could still be looking. Make sure that they offer you a quote quickly.

Look for Versatility

A firm that has many different specialties can help you in all aspects of your life. It’s good to be able to find a solution to all of your insurance needs in one place. If you’re looking for more than insurance for your business, then being able to find it at one firm can be convenient and beneficial.

Insurance shopping can be overwhelming. However, when you know what you’re looking for it can narrow down the search quickly.

Why Get Hired Non Owned Auto When Vehicles Are Covered by Other Insurance?

Hired non owned auto insurance covers the liability and damages faced when employees operate rented, personal, or client owned vehicles for job purposes. Many staffing agency business owners mistakenly assume that they do not need coverage, because employee and client insurance policies cover accidents caused in non owned vehicles. While this is true in theory, you lack the control you need over the insurance on these vehicles to ensure proper protection.


Shortcomings of Other Forms of Insurance Coverage


Vehicles owned by employees and clients should carry insurance separate from your company, but relying on that insurance is risky because you do not know what shortcomings it has. A few of the potential problems that leave you liable are:


  • The client or employee fail to insure their vehicles
  • The insurance does not carry an adequate limit to cover the claim
  • The employee is guilty of reckless driving
  • The employee has a poor motor vehicle record (MVR)
  • The client or employee do not keep the vehicle in good working order


Protect Yourself


Whether these or other shortcomings occur, you could be left liable for large amounts of money if you rely solely on employee and client insurance. It is safer to obtain hired non owned auto insurance that covers accidents and related lawsuits. Insurance coverage is inexpensive and easy to obtain; the risk of going without does not make sense.

How Much Can Hired Non Owned Auto Damage Actually Cost?

hired non owned autoMinor repairs for damage done to staffing agency owned vehicles can cost more than you might think. There are multiple costs associated with hired non owned auto accidents. These include the actual cost of the repair, the cost of lost revenue while the auto is in the shop, and miscellaneous costs associated with completing the necessary repair. Get your vehicles repaired and back on the road with the right auto insurance for staffing agencies.

Costs Due to Lost Productivity are Often Substantial

Work with an insurance company that understands needs specific to staffing agencies. Covering the cost of a damaged vehicle quickly is often essential to the overall sustainability of many businesses in the staffing industry. Hired non owned auto damage can be more costly than the cost of a repair or new vehicle. Cut the downtime associated with shopping for a cheap mechanic or auto body repair shop by having the right insurance. Also, ensure that the vehicle is fixed properly and later safe to drive.

Contact an Insurance Agency that Understands the Industry to Reduce Costs

Get the right hired non owned auto insurance from an insurance company that understands the staffing industry. In short, there is no single answer to how much auto damage can cost a staffing agency. The best answer is perhaps that auto damage can cost a substantial amount of money in repairs and lost productivity.