Business Auto Insurance Shellfish Farms

 Business Auto Insurance  Comments Off on Business Auto Insurance Shellfish Farms
Nov 042015
 

Business Auto Insurance Shellfish Farms – Quotes are Available in all 50 States!

Business Auto Insurance Shellfish FarmsWhen you’re looking for Business Auto Insurance for your Shellfish Farm contact Duncan and Associates Insurance Brokers at 800-228-8291

Or click on Business Auto Insurance Shellfish Farm to submit your request for information or quotes 24 hours per day.

It’s important to work with an agency that understands your needs as a small business owner.

The good news is that we specialize in providing competitive insurance solutions for Shellfish Farming operations throughout the United States.

One mistake commonly made is making a purchasing decision exclusively on the price that you pay for the insurance.

Why?

Shellfish Farm Business Auto Policies May Not Be Identical.

A business auto policy may contain major differences in coverage based on something called the AUTO DESIGNATION SYMBOLS.

It’s easy to assume that the business auto policy works in a similar fashion as the personal car insurance policy as it includes some similar features.

For instance you can have split limits of liability such as 100/300/100 limits, uninsured motorist coverage, medical payments coverage, comprehensive, collision, car rental, and towing and labor on both the personal automobile and business auto insurance policy.

However there are some significant variances when you take time to analyze the Commercial Auto Policy.

For example, AUTO DESIGNATION SYMBOLS is not something you will find on the personal automobile policy.

Picking the wrong symbol for your business could lead to coverage gaps and claim denials!

What Are Auto Designation Symbols?

The AUTO DESIGNATION SYMBOLS are the contractual description of what vehicles are covered, and how they are covered by the insurance company.

For instance a symbol 1 will cover any vehicle.

It provides the broadest coverage with no limitations or restrictions other than the exclusions and conditions contained within the policy.

In contrast a symbol 7 covers only the vehicles described in the declaration page for which a premium is shown.

Symbol 3 provides coverage for only private passenger autos only, so for instance a sedan, pickup truck, or minivan. There could be some limitations on pickups depending on the gross weight limit.

If you do not choose the correct auto designation symbol for your vehicles, you might find yourself paying a claim completely out-of-pocket!

How Do You Know What Shellfish Farm Business Auto Policy Is Best for Your Needs?

When you work with one of our specialists we can help you choose the most suitable coverage to protect you financially.

Contact Duncan and Associates Insurance Brokers today at 800-228-8291, or you may request information online about all types of insurance for Shellfish Farming Operations when you click on Business Auto Insurance Quotes for Shellfish Farms.

Liability Insurance Shellfish Farms

 Liability Insurance Shellfish Farms  Comments Off on Liability Insurance Shellfish Farms
Sep 072015
 

Liability Insurance for Shellfish Farms – One Call or Click Away!

Liability Insurance Shellfish FarmsIf you own or manage a shellfish farming operation Duncan and Associates Insurance Brokers can help you find the better options on Liability Insurance for Shellfish Farms.  

Call us at 800-228-8291 during normal business hours Monday through Friday 9 AM to 5 PM.

Or you may submit your request for quotes and information by clicking on Shellfish Liability Insurance. 

Liability Insurance can be combined with your business property and other commercial insurance endorsements needed to protect your business from claims and lawsuits.

Why Do You Need Shellfish Liability Insurance?

Shellfish liability insurance is similar to other types of commercial liability insurance providing coverage for bodily injury and property damage for claim events not excluded in the general liability insurance policy.

Example: As a member of the National Association for Aquatic Farmers you host events on your farm to encourage additional membership and occasionally you invite politicians who are friendly to the Shellfish Farming Industry.

Marcia Gibbons an intern working for a state senator is injured at your event when she catches her foot on the edge of your hopper conveyor that she was passing by.

Marcia loses her balance and hits the concrete floor resulting in a trip to the local emergency room and a three day hospital stay for her concussion.

Will your business liability policy cover Marcia’s injury? 

Please Note How One Policy Describes Coverage: 

We will pay those sums that the insured becomes legally obligated to pay as damages because of “bodily injury” or “property damage” to which this insurance applies. 

Slip and fall accidents are more common than you might imagine and account for a number of injuries to customers, visitors, and employees each year.

Because Marcia was attending an event at your shellfish farm it is possible coverage would apply. 

Naturally it’s important to initiate as many safety protocols as possible at your place of business, however accidents can and will happen leaving you as the business owner potentially responsible. 

Need Liability Insurance for Your Shellfish Farm? Contact Us Today! 

We specialize in providing insurance for shellfish farming operations. 

Call us today at 800-228-8291 during normal business hours or use our online system to send us your request for information quotes by clicking on quotes on shellfish farm insurance.