Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Oct 13, 2020

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Key takeaways...

  • Public liability insurance covers many different things
  • A qualified broker can help you decide if you need this type of coverage
  • Have personal information ready to input when you search for quotes online

A key decision maker of a company requiring drivers may desire to know the answer to the question, “How can I get public liability car insurance?”

A qualified broker, agent or decision makers of a business can do research in order to obtain appropriate cover. In general, brokers and agents are at liberty to offer discounts and competitive prices.

However, agents work for one specific company and may not boast the same level of power as a broker does.

Enter your zip code above to compare multiple car insurance quotes for FREE!

Table of Contents

Public Liability Car Insurance Coverage

Public liability covers many different sectors, which include the following:

  • Theft and property damage
  • One or several accidents involving third-party claimants
  • Unlimited cover to audio equipment (some insurers)
  • Windshields and windscreens
  • Specific types of trucks, forklifts or earth moving equipment (certain type insurers may cover)
  • Repair and Replacement while vehicle is in repair
  • A proportion of the driver, the other driver, and passenger medical cost
  • Uninsured motorist
  • Collision

It does not cover negligent or intoxicated drivers, high-risk drivers, or drivers other illegal activities

Staff drivers are repeatedly going to meetings, delivering goods and services, chauffeuring, traveling to meet clients or running errands.

For this reason, the premiums are typically higher than traditional car insurance.

However, finding an economical and reliable insurance provider requires some research and comparison-shopping in your required market niche.

Entrepreneurs should inquire with their state business associations to discover the extent of cover mandatory for their particular business type. Regulations often differ significantly from one state to another.

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Features Shoppers Consider in Decision Making Process:

1. The Amount and Type of Coverage Offered

  • Does it cover worst case scenarios?
  • Does it include provisions for the newest laws or claim guidelines?
  • Are there strict limitations to what the insurance company will cover?
  • Does it offer added features and incentives?

2. Costs

  • The hidden fees
  • Lower premiums
  • Favorable payment terms
  • Competitive deductibles
  • Advantageous package deals
  • Special discounts

This type of insurance gives companies security in knowing that at least they will not suffer by paying additional legal claims or charges. One large claim could cause a business to go into bankruptcy.

Broader terms and stipulations concerning this category of insurance are the product of the increasing amounts of counterfeit claims.

Comparing Free Insurance Quotes from Diverse Online Insurance Companies

Browse the Internet and compare car insurance quotes from different companies before committing to signing forms. Search for numerous insurance quote search engines and make several calculated comparisons.

Examine prices such as premiums cost, and added fees.

Premiums are based on information given in quotes and could change upon renewal if the information is substantially different.

Comparisons should include quotes from leading providers in various trades that are similar to your business. It is common obtain duplicate quotes and service fees that are very pricey.

It may be necessary to make at least ten comparisons to get the most suitable coverage.

While searching for the right company, keep in mind that your business must also qualify to receive approval.

Businesses having unfavorable safety reports, and multiple bad driving incidents may only qualify for above average cost.

Overall, applicants searching for public liability car insurance or vehicle insurance should begin by gathering pertinent information.

Once all information is in hand, surf the Internet for the best deal according to the projected company budget and structure.

— Required Information

When applying for new insurance, you will need the following information:

  • Weekly mileage driven
  • Year, make, model, and mileage of vehicle
  • List of vehicle safety features
  • Number of years driving
  • Company profile and other necessary data
  • History of accidents including dates
  • Employee infractions and license points

Keep in mind that the cheapest car insurance price does not always take care of all risk factors.

Insure to provide consistent information for each quote in order to receive positive searches. Always check for applicable discounts for added savings.

— Factors that determine the price

  • Business type
  • Level of activity
  • Risk Assessment
  • Amount of customers
  • Safety record
  • Business worth

— Things that could lower cost

  • An accident-free driving record
  • Ongoing quality control and vehicle maintenance schedules
  • Adherence to security and safety regulations
  • Clean and well-maintained vehicles and equipment storage areas

— For acquiring the most beneficial plan, applicants should provide

  • Years of operation
  • Number of employees and personal information about each driver
  • Occupation Code or tax exemption number
  • Up-to-date information such as vehicle registrations and decal numbers
  • Identification of owner/owners

Lastly, insure to confirm information by asking questions about anything not understood on the terms and agreements.

It is vital for businesses that deal with many consumers to own a public liability car insurance policy that is advantageous.

Compare insurance quotes for FREE! Enter your zip code below to get started!

References:

  1. http://www.popularmechanics.com/cars/how-to/a77/easy-windshield-repair/
  2. https://www.esurance.com/info/car/uninsured-and-underinsured-coverage
  3. https://www.nationwide.com/how-much-is-car-insurance.jsp
  4. https://www.allstate.com/tools-and-resources/car-insurance/liability-car-insurance-cover.aspx