Trucks: What happens if you need to rent one...

The endorsement you want, heck, need to have on your business auto is "Hired Auto Physical Damage - Loss of Use & Loss of Hired Auto"

Chartis on it's New Hampshire and Lexington lines added this coverage, and a slew of others this week.

As a pest control operator, you know that sometimes you run out of trucks.  Big job comes in, and two spray trucks go down makes for a challenging week.  With Hired Auto Physical Damage, a huge exposure is covered, allowing you to rent the needed vehicles to keep the bugs dying.

Uninsured Motorist: Why is the Coverage so Low?

I've noticed a disturbing trend in reviewing Business Auto policies: Very low Uninsured Motorist Property Damage.

Your Business Auto should have a minimum of $1,000,000 CSL (combined single limit) for Liability, Uninsured, and Underinsured, especially Property Damage.

You get smacked by an uninsured driver, and your out of work for 6 months? Where do you think the lost wages will come from? Do you have a Business Overhead Expense Disability Policy? Do you even know what that is?

Most Pest Control Operators are "in the field" types, out there, with the customers, with the lads doing the spraying, doing the inspections.

YOU are the business. No You, No Business.

Adding this coverage is relatively cheap. Ask for it.