Seasonal Business Insurance
A seasonal business is any business that operates only during specific times of the year, such as during specific months or for an entire season. Seasonal businesses can be trucking or small businesses.
Examples of seasonal businesses that might need commercial insurance include:
- Ice cream trucks
- Snowplowing
- Landscaping
- Fishing charters
- Tax consultants
Vehicles Driven for Personal Use
If you plan to drive your work truck or other vehicles for personal use during the off-season, you should contact us to let us know. We can adjust your policy to reflect personal use for your vehicles in a matter of minutes. Since you often log less miles when driving your vehicles just for personal use, that simple change could save you money.
Best of all, with policy servicing available 24 hours a day, 7 days a week, you can call us and make the change when it's convenient for you – all in a matter of minutes. Contact us today to learn more.
Work Trucks & Other Vehicles That Are Parked or Stored
If your work truck or other vehicle will be parked during the off-season, you may think you should cancel your business vehicle insurance during this time. Progressive recommends switching your commercial insurance to a Comprehensive insurance Only policy instead.
With a Comprehensive Only policy, you essentially decline all insurance coverages except for Comprehensive insurance. Though a Comprehensive only policy doesn't protect your vehicle while driving, you pay a small monthly cost to have basic protection against damage caused by incidents like vandalism, falling tree branches and hail. You won't be legal to drive, but it will give your vehicle some basic protection.
A Comprehensive Only policy also gives you the bonus of continuous insurance coverage. And maintaining continuous insurance coverage is an easy way to keep your insurance price down. In fact, maintaining continuous insurance can save you so much money that most businesses find paying the small cost for a Comprehensive Only policy during their off-season can actually save them money in the long run.