Insurance Coverage LinesCommercial AutomobileCommercial automobile insurance covers liability and property damage resulting from the use of a covered auto. A covered auto is defined within the policy and can be restricted to scheduled autos only or broadened to include all autos used in the course of your organization’s operations. Typically this insurance program also addresses the exposure associated with the use of non-owned and hired vehicles. Specifically related to the healthcare environment, an endorsed commercial automobile liability policy or stand alone coverage will insure patient and emergency transport vehicles. However, in most situations, the emergent ambulances are owned and operated by an outside agency, leaving only the non-urgent patient transport exposure to be contemplated, which is a readily available placement to secure. Another important aspect of a commercial automobile liability insurance program is monitoring the covered drivers. Chivaroli & Associates utilizes in-house resources to assist in minimizing the use of drivers with unfavorable driving histories. Finally, fleet safety programs and various driving seminars can be either conducted or arranged in order to continuously educate employees on new legislation, defensive driving techniques, and the proper procedures to follow in a loss situation. |
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