A commercial auto insurance policy typically includes:
- Property damage liability
- Bodily injury liability
- Personal injury protection
- Medical payments
- Collision coverage
Healthcare Commercial Auto Coverage Considerations
Specific to the healthcare environment, an endorsed commercial automobile policy or standalone coverage will insure patient and emergency transport vehicles. However, an outside agency owns and operates ambulances in many situations. This leaves only non-urgent patient transport exposures to consider, which are readily available for placements.
Additionally, fleet safety programs and various driving seminars can be conducted to continuously educate employees on new legislation, defensive driving techniques, and the proper procedures to follow in a loss situation.
Another critical aspect of a commercial automobile liability insurance program is monitoring the covered drivers. Chivaroli & Associates utilize in-house resources to assist in minimizing the use of drivers with unfavorable driving histories.
If you are uncertain what you need in a commercial auto policy, Chivaroli & Associates has the expertise to account for your unique risks.