Work truck insurance checkup

Answer these about each work vehicle. Any "yes" in the first group is worth a call.

Is it insured on the right policy?

• Is the vehicle titled or leased to a business?
• Does it carry business signage?
• Does it carry tools or materials between job sites during the day?
• Do employees drive it?
• Does it tow a trailer for work?
• Is it used for deliveries, or to carry people for pay?

Are the limits right?

• Do any contracts require a specific liability limit, such as $1 million?
• Can you produce a certificate of insurance when a customer asks?

Are the gaps closed?

• Are loose tools covered by an inland marine or tools policy?
• Is every trailer listed?
• Do employees ever run errands in their own cars? (Hired and non-owned auto.)
• Is every regular driver listed, and have you checked their records?