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To Business Owners, sometimes find that Insurance does not seem to make much sense.  An Agent asks a few questions, inquires about the claims you may have had, talks about payroll and gross receipts, wants to know the limits of liability you want quoted, and that’s about it.  The Agent seems to fill in the rest and you sign the form.  HOWEVER, to a “SPECIALIST”, it is a lot more than that.  If all you collect is the basic information noted above then the quote you will be provided will be a general basic main street quote out of the box.

There is a lot more information that will make a difference and help tell your story.   It is important to understand and consider:

◘  How long have you been in the business, maybe not just as  an owner;

◘  Not what state you are in but what part of the state you WORK in;

◘  Who are the other contractors on the job.  In today’s LITIGOUS society everyone on the project is named in any suit;

◘  Are contracts entered into and signed by all the parties that describe the JOB?  Do they require evidence of insurance? If you have to pay for insurance shouldn’t everyone else?  Not what insurance or how much, JUST that there is evidence of insurance provided by everyone, so you are not left holding the bag;

 ◘  And other obvious questions and answers that make one owner different from another business owner that may be  available for the same job.

For an Agent/Producer, there are over 2,500 different licensed Insurance Companies that may have a program or has developed a specialty for your type of business operation. Experience, having earned the respect and confidence of the Insurance Companies, and being able to provide nationwide access to the major markets, can make a difference in the insurance quoted.

Please review the listing of Application KITS available to be printed from the Web Site and then complete the form most applicable to your business and FAX to the office for processing.  COMPLETED APPLICATIONS DO MAKE A DIFFERENCE.  NO QUESTIONS SHOULD BE LEFT BLANK.  ENTER NONE AT LEAST.

            ◘ Commercial AUTO – Principal business is use of an AUTO

◘ Airport Bus Service

                        ◘ Armored Car Service

                        ◘ Auto Recovery Agents (Repossession)

◘ Buses (Business)

◘ Coal Trucks

◘ Commercial Auto – Long Haul 1 to 15 Power Units

◘ Commercial Auto – Long Haul 15 to 750 Power Units

◘ Commercial Auto – Short Haul 1 to 15 Power Units

            ◘ Commercial Auto – Short Haul 15 to 750 Power Units

            ◘ Dump Trucks

            ◘ Garbage Trucks

            ◘ Gasoline Distributors

            ◘ Limousine/Black Car Company

            ◘ Livestock Haulers

            ◘ Package Delivery Companies

            ◘ Propane Dealers and Distributors

            ◘ Sand and Gravel Haulers

            ◘ Taxi Cab Companies

            ◘ Tow Trucks           

◘ Trucking Motor Freight – Long Haul 1 to 15 Power Units

◘ Trucking Motor Freight – Long Haul 15 to 750 Power Units

◘ Trucking Motor Freight – Short Haul 1 to 15 Power Units

            ◘ Trucking Motor Freight – Short Haul 15 to 750 Power Units

            ◘ Vans – Business

            ◘ Valet Parking

             ◘ ALL OTHER COMMERCIAL USE AUTOS

◘ Business AUTO is the incidental use of an AUTO in your business or profession:

                        ● Artisan Contractors

                        ● Plumbers

                        ● Roofers

                        ● Landscapers

                        ● Farm and Ranch

            ● Retail Store Delivery

            ● ALL OTHER BUSINESS SERVICE VEHICLES

Also Available:

                        ● Workers Compensation

                        ● Group Health Insurance / Individual Health

                        ● Employment Practices Liability

                        ● Business Building Property

                        ● Business Contents Property

                        ● Directors and Officers Liability

                        ● Business Auto / Incidental to Business

                        ● Commercial Auto / Primary Business Purpose

                        ● Surety and Fidelity Bonds

                        ● Excess Liability

                        ● Business Owners Policy

                        ● Product Liability

                        ◘ Cyber Liability

Should you have any questions about service or special risks not directly identified above, please call 1-866-937-7037, or FAX 1-866-937-7010  or E-mail FDL@LLLinsuranceservices.com