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17 Jul Make Sure Your Insurance Is Customized to Fit Your Ambulance Services Business
Traditionally, ambulances and emergency medical service providers had a great deal of protection because they worked directly for the government. However, as more and more third-party emergency responders like you and your company are contracted through local hospitals and the government, the lines regarding liability and insurance get blurred. In these circumstances, it’s important to know what degree of insurance coverage you have so you are not only informed in the event of your own emergency but so you can fill in the gaps ahead of time.
Here are some key areas for ambulance insurance coverage that you might not have:
Collision Protection Coverage: Different types of specific coverages protect you for different incidents related to your ambulance. While having comprehensive physical damage insurance sounds like it should insure your vehicle for all potential damage, it often leaves out losses resulting from a collision with other objects or your ambulance rolling over. Collision protection insurance fills in those holes so you don’t have to stress about what caused damage to your vehicle while getting repairs.
Commercial auto insurance for your accessories like radios and navigation systems: An ambulance has a lot more to it than an average car, such as additional lights, emergency radios, and meters. Make sure these accessories are covered because they can be damaged or stolen but are not necessarily insured under your general auto insurance.
Different elements of coverage impact specific portions of your business’s assets. The best thing you can do to protect them is walk through your coverage with an insurance expert who knows the risks your business faces and can come up with a comprehensive insurance plan. If you want to assess your current insurance and start to fill in the gaps, contact Evolution Insurance Brokers here.