Your Insurance Questions Answered

Optional benefits employees can purchase through their employer, often at group rates, like additional life insurance or accident coverage.

Coverage offered without medical underwriting during initial enrollment, particularly valuable for those with health conditions.

PTO typically accrues based on length of service and hours worked, with policies varying by employer.

Non-owned auto coverage can extend to personal vehicles used for business, but specific endorsements may be needed.

Confidential counseling and support services for personal or work-related issues, typically provided at no cost to employees.

A comprehensive policy covering multiple business vehicles under one policy, including liability, physical damage, and specialized coverages.

Requirements vary by insurer, but typically a minimum of 3-5 vehicles is needed for fleet coverage. Some carriers may require more.

Claims typically go through a dedicated fleet claims team, often with specialized procedures for commercial vehicles.

Vehicle types, driver records, coverage limits, deductibles, safety programs, claims history, and geographic operation area impact costs.

Fleet coverage offers streamlined management, potentially lower per-vehicle costs, and consistent coverage across all vehicles.

GPS tracking, dash cams, telematics, driver training programs, and safety policies can qualify for premium discounts.

Thorough driver screening and MVR checks can lower premiums. Many insurers require minimum driver standards.

It covers vehicles your business rents or leases temporarily, extending your fleet coverage to these temporary additions.

Cargo coverage usually requires a separate endorsement or policy, as standard fleet coverage focuses on vehicles and liability.

Operating across state lines may require additional coverage and compliance with various state regulations.

Policies typically have per-vehicle and aggregate limits, with options for umbrella coverage for additional protection.

It covers customer vehicles in your care for service, repair, or storage, important for service-based fleet operations.

It automatically extends coverage to entities requiring proof of insurance, common in contract work.

Most policies allow vehicle changes with prorated premium adjustments, often through simplified reporting procedures.

Options include refrigeration breakdown, hazmat cleanup, rental reimbursement, and specialized equipment coverage.

Through safety programs, driver training, vehicle maintenance, higher deductibles, and careful vehicle selection.

Larger fleets often qualify for more coverage options, better rates, and self-insurance retention options.

Typically requires accident reports, police reports, driver statements, photos, repair estimates, and witness information.

Typical savings range from 5-25% off individual policy premiums, varying by insurer and coverage combinations.