Car Transport Insurance Questions
I currently have a rider on our homeowner's policy for up to six children, but our seventh is starting tomorrow so I need to get coverage for up to eight (my license amount), and I also want to up our liability and make sure I have adequate auto coverage since I transport daycare kids.
Here's the email quote I received from our American Family Agent: "Hi! Commercial Auto for your Day Care would be $2450 a year Commercial Policy for the Day Care up to 8 kids $917 a year A couple of things: If you stay with the six you can stay with your homeowners and I would suggest an Umbrella policy for the liability on the car(s) up to 1 million in coverage for your Home bases business and your auto coverage." Considering that my current car insurance is $55/month that's a pretty big jump to go to commercial! I actually ended up signing up with Assure yesterday for eight children with a 500,000/1,000,000 policy, but I'm not really sure what those limits mean. It cost $500 odd dollars. Also, I emailed them and left a phone message asking about transport, but I haven't received an answer back yet. There was an option on the application with Assure about non-owned vehicle, but I wasn't sure what that means either. Does anyone have transport coverage with Assure? |
Originally Posted by Mom2Two: I have insurance via Assure but not for transporting. I do not offer transportation and would not consider ever doing so. |
Originally Posted by Blackcat31: |
car insurance
Originally Posted by Mom2Two: $500,000/$1,000,000 means you have $500,000 for each occurrence and $1 million for all claims for a year. Ideally, you want $1 million/$2 million. The extra cost should be very small. You can check my insurance directory to see if you can get a better policy here:http://tomcopelandblog.com/child-car...ce-directory-3 |
Thank you to all for the very helpful advice.
I checked and Am Fam agent says "yes" that business use of my car is covered. |
car insurance
Originally Posted by Mom2Two: |
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