Transportation Insurance

An Insurance Plan Built to Keep you on the Move

Serving Newark, Dover, Elkton and the rest of Delaware, Maryland, New Jersey, Virginia and Pennsylvania.

Semi Truck

Semi-trucks are a special category when it comes to insurance. These vehicles face two major threats when they’re out on the roads—collision (as we described above) and theft. Reports have noted that theft is becoming increasingly professional in nature, and the average loss is in the hundreds of thousands of dollars. If you have several trucks robbed at the same time, it’s not hard to see how quickly those losses could put you out of business.

Our semi-truck insurance policies are designed to meet these changing threats and provide you with the support you need if something goes wrong. We’ll work with you to get incidents resolved as quickly as possible so that your truck can get back on the road—most trucking companies don’t have spare vehicles sitting around, and we know how important it is for you to keep your fleet in top condition at all times.

For more information about these policies, call a Wolff Insurance Agency agents today and ask for a quote. Be sure to have information about your existing business on-hand, including what type of products you’re shipping, how many trucks your company owns, what models they are, and how far they typically travel. This will help us find the policy that’s most affordable for you and still meets all of your insurance needs.

Box Truck

A great deal of business relies on moving items from one place to another—and box trucks provides a reliable way to transport a number of goods. Whether you’re helping people change homes or moving products from a distribution center to a retail store, you’re helping to meet a steady demand for transporting items in bulk.

However, the sheer variety of goods that can be transported also means there’s no one box truck insurance policy that’s suitable for every company. A vehicle transporting bread loaves doesn’t need as much insurance as a vehicle transporting expensive furniture, and neither is as risky as a box truck transporting crates of electronic parts. This is why insurance is available in different amounts—and why couriers should know their options.

Box Truck Insurance Policy Features

Consider two major aspects of box truck insurance policies:

1. Insure the Vehicle to help cover things like liability in collisions or physical damage to the truck from any source. A truck that isn’t moving isn’t making money, and keeping it in good working order is critical to the success of your business.
2. Insure the Cargo to help protect your company in case cargo is damaged or destroyed during transit. A few wrecked packages in a large load aren’t hard for most companies to cover, but a major collision that destroys most of the truck’s contents (including some genuinely irreplaceable items) could leave your company on the hook financially. Cargo insurance secures the value of transported goods in the event of an accident.

When you call for a rate quote, let us know the size and model of your truck or trucks, how often you’re on the road, and what goods you usually transport. This will help us find the most affordable policy for you while still covering all of your needs.

Call Wolff Insurance Agency today for more information and a free quote.

Dump Truck

If a dump truck is part of your business operation, you understand the importance of insurance for that vehicle. All vehicles need to be insured, of course, but dump truck insurance can make sure you are covered from unique issues related only to a dump truck.

Wolff Insurance Agency agents can help you with basic insurance on the vehicle itself that protects from standard risks, but dump trucks are also vulnerable to the following hazards, and require additional insurance:

• Hauling heavy or jagged material could damage the truck

• Dump trucks often operate where no roads exist

• Breakdowns that cost you time and money; you can avoid the financial loss with adequate dump truck insurance

Dump Truck Insurance Features:

• If you have employees operating your dump truck, you need workers compensation insurance. If someone is injured while working, you want them to be covered, as required by law.

• Also, consider liability. Your truck could get into an accident, and most policies cover that. However, you may also be working on another person’s property and may need liability insurance to protect you if your truck has an accident and causes personal or property damage. In those cases, it is not just lost operating time that matters; you could be facing a lawsuit.

Wolff Insurance Agency agents are familiar with the differences between state insurance regulations and requirements and can assist you even if you work in more than one state.

Call Wolff Insurance Agency to make sure you are covered and that you can handle any crisis that develops. Our professional staff can make sure you have the best possible dump truck insurance. When you call, have the following information available:

• The make, model and year of the dump truck to be insured

• The type of dump truck and its hauling capacity

• Where the dump truck will be used

• The type of work it will be used for

• The value of the vehicle

We will also need the number of employees and how many of those employees will be operating the truck. With this information, we can provide you with an affordable insurance quote for your dump trucks or other vehicles.

Tow Truck

Wolff Insurance Agency proudly offers industry-specific insurance options for tow trucks and auto transporters. Our program is built to cater to the particular

 needs of your industry.

Tow truck insurance is a highly specialized arena and that’s why you need the kind of specialized expertise that the agents of Wolff Insurance Agency provides.  We’ve done all of the hard work for you so that you can be confident that you will be presented with the best companies in the industry.  Shopping for towing insurance has never been this easy or efficient.   

Wolff Insurance Agency proudly offers industry-specific insurance options for tow trucks and auto transporters. Our program is built to cater to the particular needs of your industry.

Here are some of the insurance options we offer to tow trucks & auto transporters:

• Garage-keepers liability
• Automobile liability
• Legal liability
• Theft coverage
• On hook coverage

Contact a representative at Wolff Insurance Agency today to set up a consultation.

Trailer Insurance

An Insurance Plan Built to Keep you on the Move

Serving Newark, Dover, Elkton and the rest of Delaware, Maryland, New Jersey, Virginia and Pennsylvania.

Whether you drive an 18 wheeler with a dump body trailer or a pickup truck with a utility trailer, Wolff Insurance can find you affordable trailer insurance coverage options to meet your needs.

Wolff Insurance offers commercial truck insurance for the following tractor trailers:

• Dry Freight
• Auto Hauler
• Flatbed
• Utility Trailer
• Refrigerated Trailer
•  Dump body Trailer
• Transfer Box
• Concession trailer
• Bulk commodity trailer

Fleet Insurance

An Insurance Plan Built to Keep you on the Move

Serving Newark, Dover, Elkton and the rest of Delaware, Maryland, New Jersey, Virginia and Pennsylvania.

If your business owns and operates three or more vehicles as part of its daily operations, you may be eligible for a fleet insurance policy. These plans resemble a commercial auto policy that covers many vehicles at the same time, helping you to meet coverage requirements at an affordable rate.

Industries that can benefit from fleet insurance coverage include:

• Government agencies
• Construction companies (including those with large construction vehicles like bulldozers)
• Taxi services
• Vehicle rental companies
• Delivery services
• Any other company that operates a fleet of vehicles
• As of 2013, the Bureau of Transportation Statistics found that there were over eleven million fleet vehicles in service, with government and rental use seeing the most growth over the years.

Fleet Insurance Features: Commercial Auto Insurance

Commercial vehicle policies are a major part of fleet insurance, and they cover the vehicles themselves against damage and loss.

In most cases, fleets that focus on services (handymen, locksmiths, and similar professions) will see the largest discount on their premiums. Vehicles used for retail work, such as delivering food or flowers, usually see a more moderate reduction in premiums. Finally, companies that ship either people or large volumes of products see the lowest reduction, simply because there tends to be more damage in a collision. The current average is more than $20,000 for each incident, and since fleet drivers tend to be on the road far more than the average person, there’s a greater likelihood of a collision sooner or later. However, this is when having the proper insurance coverage becomes invaluable.

What’s Covered by Fleet Insurance

The main component of fleet insurance is its blanket coverage of vehicles and employees—any employee will be insured while driving any vehicle in your fleet unless they’ve been specifically excluded from the policy. This is ideal for companies where vehicles frequently have different drivers, as well as companies that have vehicles out on the roads on a regular basis. All fleet insurance policies will meet or exceed the minimum amount of coverage required for commercial vehicles in your area.

If you’re not sure whether a vehicle you use qualifies for coverage under a fleet policy (for example, you have a privately-owned vehicle that’s also used for business purposes), talk a Wolff Insurance Agency agent and they’ll let you know if your vehicle is eligible.

Cargo & Freight

The ability to move products from one place to another is the backbone of our entire economy. Whether you’re moving products from a port to a store for sale, helping people move between homes, or transporting raw materials for manufacturing, you know how important it is to get the job done safely and on time. However, without cargo insurance and freight insurance, your business could be at risk if any of your trucks is involved in a serious collision.

You already know how important it is to complete a job correctly. From ensuring loads are packed securely to recruiting safe drivers, you’re constantly invested in making your business the best it can be. Wolff Insurance Agency can help make sure your efforts are protected, and that if something does go wrong, you’ll be able to continue operating.

Cargo Insurance Coverage—What’s Covered and What’s Excluded

Most cargo that is shipped under a proper bill of lading will be covered by your cargo insurance. Major exclusions include, but are not limited to:

• Alcohol, Tobacco, some medicines, and any illegal drugs
• Currency and Valuables (especially art, jewelry, coins, and cash)
• Items considered dangerous (acids, explosives, or radioactive items, including some fireworks and other celebratory products)
• Living creatures
• Anything owned by your company

If you plan to ship anything excluded from cargo insurance, it may be covered by another policy (especially if you own the items in question). Otherwise, you can talk to one of our agents about alternatives for cargo insurance and freight insurance that can actually cover the transportation of high-risk items.

Freight Insurance Coverage—Large and Small Freight Shipping Coverage

Your shipping volume is a major factor in finding just how much insurance you need. In 2014, there were over 400,000 collisions involving large trucks, which comes out to over 1100 collisions every single day. The majority of these incidents are not the fault of the commercial truck driver, but the simple truth of the matter is that they do occur on a regular basis.

It’s also important to note that collisions are not the only forms of loss—theft is a major problem in some areas, and average losses approach a quarter-million dollars per incident.

Larger trucking companies require more insurance in case there are problems with multiple vehicles, such as thefts from multiple trucks parked in one place. Even smaller companies are at risk, though, making cargo insurance and freight insurance one of the most important defenses of any hauling company.

Garage Insurance

Garage insurance protects businesses with garage facilities from all kinds of risks, such as injuries, property damage, and human mistakes. Without this insurance, a small business’ reputation can be seriously tarnished and hard-earned money will go not to profits, but to payouts.

Garage liability insurance mostly applies to towing businesses and service stations that help protect customers’ cars and trucks while they are serviced or held. For instance, if a customer’s vehicle is damaged due to the business’ negligence, the vehicle would be covered under a garage insurance policy.

Some of the more common kinds of garage insurance are:

• Body Shop Insurance

• Repair Shop Insurance

• Tow Truck Insurance

• Transmission Shop Insurance

• Garage Insurance Features

Garage liability coverage is another insurance type available to small businesses. It provides liability coverage for any accidents that may happen as a result of your day-to-day garage operations. These accidents may result in bodily injury, personal injury or property damage.

A business owners’ policy (BOP) is an option small businesses have when looking into garage-related insurance. It is perfect for individuals who need a bit more than the basic liability because business owners’ policy (BOP) offers protection for incidents like identity theft coverage and loss of income.

Workers’ compensation insurance covers medical costs, rehabilitation expenses and any lost wages an employee might experience after getting ill or injured on the job. It also provides financial support to the family of any garage employee who dies from a job-related injury or illness.

With all that garage insurance has to offer, many small auto-related businesses make the choice to purchase this valuable protection. You can do it, too. Give Wolff Insurance Agency a call. We will give you a quote and tell you more about what this insurance can do for you and your small business. Get in touch with us today!

Serving Newark, Dover, Elkton and the rest of Delaware, Maryland, New Jersey, Virginia and Pennsylvania.

Limousine

Insurance Options that Will Keep You on the Move

Serving Newark, Dover, Elkton and the rest of Delaware, Maryland, New Jersey, Virginia and Pennsylvania.

Wolff Insurance Agency is proud to offer insurance options to those in the limousine services industry. We understand that your business requires a very specific set of coverage options. We will work with you to come up with a protection plan that fits your needs.

Here are some of our coverage options for limousine services:

• Automobile liability

• Garage-keepers liability

• General liability

• Theft coverage

• Body or mechanical damage

Whatever your needs, Wolff Insurance Agency will provide you with the coverage you deem necessary to stay on the cutting edge within the life sciences field.

Contact one of our insurance specialists today to schedule a consultation.

Mini-Bus

We all know how important it is to have a vehicle covered by insurance, but if you’re using a minibus to transport people, standard coverage may not be adequate in the event of an at-fault collision.

This is mostly a matter of scale. If eight or ten different people are all injured in a collision, a standard policy probably won’t be able to cover the medical payments for all of them, leaving you to make up the difference. The larger policy cap of minibus insurance makes it much easier to handle a high number of claims.

Minibus Insurance Features

There are three major forms of minibus insurance:

1. Private use covers minibuses that are used for a single large family. This is an especially popular choice for families that are too big for a standard-size vehicle and decided to pick up a large van instead.
2. Hire and Reward covers the use of minibuses for picking up passengers, accepting payments from them, and dropping them off at another location. Essentially, this is the use of minibuses as a taxi service.
3. Business use covers minibuses that are used for any reason except private use or hire and reward. Groups that would need this format include churches, clubs, schools, organizations, and businesses that decide to pick employees up in a van rather than having all of them commute on their own.

As the owner of a minibus, you want to be sure that everyone inside of it is covered. The amount of insurance you need can vary depending upon how many people use the minibus as well as the purpose of its usage. Speak to a Wolff Insurance Agency agent about how you plan to use the vehicle before asking for a quote. This will help you get the most affordable coverage while making sure everyone in the vehicle is adequately covered.

School  Bus

Wolff Insurance Agency can be fully trusted to service your needs for insuring a single school bus or an entire fleet. We partner with you to secure the exact coverage that you need.  We have a broad range of options and we’re able to customize them to your specific needs.

Safety is the top priority when it comes to the operation of school buses. At Wolff Insurance Agency, we understand that safety within the industry spans from the operations of the business itself to the day-to-day transportation of students. A quality protection plan will help give you the peace of mind of knowing that all operations are safe.

Wolff Insurance Agency is proud to offer the following protection plans to school bus contractors:

• General liability

• Umbrella coverage

• Commercial auto

• Equipment breakdown coverage

• Body or mechanical damage

And much more…

Call today to set up a consultation! One of our representatives will help you develop an insurance package that will keep you protected.

Rideshare

Do you drive an Uber or other rideshare companies?  If so, it’s time to start thinking about how well you’re insured. Now, most rideshare companies themselves have a ridesharing insurance policy, but it doesn’t cover every risk you might be exposed to, and it could be changed at any time. Having your own policy means that you will always know what your coverage is and thus how to act accordingly.

In general, ridesharing insurance comes in two versions.

First, comprehensive coverage focuses on giving you all of the coverage you may need while providing rides to other people. This includes a comprehensive liability policy, bodily injury coverage, collision insurance, and related policy elements.

Supplemental coverage is different and focuses on filling in the gaps that a ridesharing service’s insurance policy does not cover. For example, the ridesharing service may not cover a vehicle before that vehicle is matched to a rider—so if you’re involved in a collision before you find someone to pick up, you’d need to use your own policy instead.

Both forms of coverage are viable options. If you’re not sure which policy is best for you, talk to one of our agents about Uber insurance and discuss your options.

Rideshare Insurance Requirements

Most drivers who work with Uber or another ridesharing company can get this extra coverage. However, the way you interact with a ridesharing company may affect the type of coverage you’re offered. When you speak with a Wolff Insurance Agency agent, it’s helpful to have the following information on hand:

History of Ridesharing: How experienced are you with ridesharing, and have you had any trouble in the past? Experienced drivers with few or no incidents may be able to get a better rate.

Frequency of Work: How often do you provide ridesharing services? Is it something you do on the weekends for some extra cash, or are you offering rides as a full-time job?

Type of Vehicle: What type of vehicle do you use, and more importantly, what are its safety ratings? Vehicles with an outstanding safety rating—particularly in parts of the vehicle where passengers are seated—may be easier to insure.

Other Things to Know About Ridesharing Insurance

Ridesharing is still a relatively new industry, and it’s almost certainly going to continue changing over the next few years. Insurance policies will be changing with it, and factors like which company you partner with, how safe the rides are judged to be, and even how much the industry earns may affect your policy and your premiums.

The most important principles at this time are laid out in a policy paper adopted by the National Association of Insurance Commissioners, and drivers are encouraged to read this and familiarize themselves with concepts like “periods” (when each form of insurance applies), potential insurance requirements, and how much coverage is needed when providing ridesharing services. Wolff Insurance Agency agents are more than happy to meet with you to review and explain these principles.

For more information on ridesharing insurance, contact one of our agents.

Specialized Truck Equipment

Whether you repair, distribute, or manufacture specialized truck equipment, you will need a versatile insurance plan to match the services offered by your business. Wolff Insurance Agency will provide you with the attention to detail required to come up with a unique protection plan for you and your business. We understand the intricacies of specialized truck equipment industry.

Our coverage options for specialized truck equipment include, but are not limited to:

• Theft coverage

• Property insurance

• Commercial auto

• Lock re-keying or replacement

Contact Wolff Insurance Agency today. Our representatives are here to help you build an insurance bundle that’s right for your business.

Van Insurance

There are many types of van insurance that offer different options depending upon your needs. Wolff Insurance Agency agents specialize in many types of commercial insurance and will give you a quote that both provides the coverage your van needs, and is cost effective.

Our commercial auto coverage for vans and hauling vehicles includes:

• Liability insurance to cover damage you cause to other people, vehicles, or property.
• Collision coverage to cover damage you cause to your own vehicle, such as running into a tree.
• Comprehensive coverage to cover vehicle theft and damage from falling objects, fire, glass, animals and some natural disasters.
• Medical payment insurance to provide some limited coverage for injury to you and others, including some funeral coverage.
• Uninsured motorist coverage that gives you coverage if the other motorist involved in an accident has no insurance.
• Towing or roadside assistance for the cost of towing, tire changing, a dead battery, and similar roadside repairs. This feature includes road service for breakdowns.
• Rental Reimbursement to cover the cost of renting a vehicle while yours is in the shop after an accident.
• Other forms of insurance can be purchased as add-ons, such as coverage of your tools in your van. These additions are, generally, relatively inexpensive.
• Umbrella policies are available that can increase your coverage over the basic liability limits.

Van insurance requires an agent and insurance company knowledgeable in business insurance lines and commercial auto coverage. You need someone who understands the needs and necessities of companies that depend on their transportation capabilities and vehicles to thrive. Whether it’s for an individual vehicle or a fleet, call a commercial insurance professional at Wolff Insurance Agency today for your options and a competitive price quote.