NEMT Insurance in Utah

Looking for NEMT Insurance in Utah?

Are you looking for a professional insurance agency that knows the ins-and-outs of Non-Emergency Medical Transportation, or NEMT Insurance, in Utah? American Business Insurance Services specializes in helping companies find and maintain the best amount of insurance. Our goal is to make sure that your business, employees, and customers are all protected without breaking the bank. We know that unlike standard automobiles, even a fender bender can create circumstances for a large claim due to the potentially fragile passengers being transported.

NEMT Services in UtahAmerican Business Insurance provides professional advice that will help you fully cover your business from all liabilities that could hurt your company. With this consultative-style approach, we are able to recommend the most comprehensive and most cost-effective NEMT insurance for your business. American Business Insurance Services, Inc. has been writing this class of business for over 35 years. Experience with NEMT coverage cannot be understated when you consider the vast requirements that apply to this type of policy. American Business Insurance currently offers NEMT insurance in Utah as well as nearly every other state in the U.S.

NEMT Insurance in Utah for Company Fleets

We all have loved ones, that at one time or another, are in need of consistent medical care. Whether they be our aging grandparents, parents, or even our in-laws, we want the best care for them. But sometimes, our lives get a bit hectic and busy. We can’t always find the time to escort our loved ones to doctor appointments and other medical treatment centers. Although, there are ways to make this process a little easier. Many families, hospitals, and doctor offices turn to Paratransit Service or Non-Emergency Medical Transportation (NEMT) providers to fill this need. The Americans with Disabilities Act of 1990, made paratransit service a daily reality for many Americans with disabilities. By providing transportation for those with disabilities, paratransit services are paramount to the well-being and mobility of thousands of Americans.

NEMT Insurance in Utah

Even for those who have loved ones nearby, it’s not always convenient or possible to be available at all hours. Non-emergency medical transportation in Utah can be very advantageous for individuals who are unable to use conventional transportation means. NEMT services in Utah have several benefits. First off, medical transportation services in Utah provide some of the safest transportation options available. Moreover, NEMT services are health-focused – which can be especially important for those with a disability or health condition, as well as the elderly.

non emergency medical transportation vehicle

As a NEMT business owner, this is where your company comes into play. If you are a NEMT agency that operates fleets in Utah, it’s especially important that you have NEMT insurance. American Business Insurance works with agencies to provide the best available coverage. Having the right NEMT insurance in Utah is essential in making sure your business and customers are covered in case of an incident.

When customers are looking to choose a paratransit service or agency to be responsible for their loved ones, they will be looking into the NEMT company to make sure their loved one is going to be safe and protected.  American Business Insurance Services, Inc. provides NEMT insurance to companies in Utah as well as nationwide, creating customized policies to best serve the client’s needs.

How to Decide on NEMT Insurance for Your Company Fleet

There are a lot of factors that go into finding the best NEMT insurance coverage for your non-emergency medical transportation’s large fleet. Therefore, prepare to answer a few questions when working with American Business Insurance to find you the best quote to match your business needs.

  • Are the majority of your trips for passengers ambulatory or non-ambulatory?
  • Does your company contract with LogistiCare or other providers with strict insurance requirements?
  • Do your vehicles have lifts or ramps?
  • Do your vehicles include backup cameras so your drivers can see whether or not someone in a low wheelchair is behind the vehicle when backing?

Insurance companies ask these questions to ensure you are fully covered under your policy. At American Business Insurance Services, Inc., we guarantee the most thorough coverage for your large fleet. Furthermore, we have trained professionals who will take care of everything, and will guide you through the process of properly insuring your NEMT fleet most efficiently!

Why You (the Paratransit service/agency) Need Full Coverage

Having proper paratransit or NEMT insurance is critical to operating a successful transportation business. The services that paratransit automobile fleets accomplish for those in need is truly life-changing and deserves insurance that is equally up to par.

Moreover, the reason you (the Paratransit service/agency) need NEMT fleet insurance is to ensure the safety and reliability of your paratransit service company, protecting your passengers and your business.

Coverage Requirements for Paratransit and NEMT Companies

It’s crucial to know exactly what’s in your NEMT coverage contract. At American Business Insurance, we examine the contract providers and the requirements that they have. For example, let’s look at LogistiCare.

  • $1,000,000 Combined Single Limit of Auto Liability Coverage
  • Hired & Non-Owned Coverage (Symbols 2,8,9)
  • Loading & Unloading Coverage
  • General Liability Coverage at $1,000,000 per incident $2,000,000 Aggregate
  • Sexual Abuse and Molestation Coverage (limits can vary by location)

There are other requirements in addition to the ones listed above. However, if you are missing any of those items on your insurance policy, LogistiCare will suspend your account. Many large Non-Emergency fleets have a long list of additional interests that have different insurance requirements.

Typically, we will ask for a copy of the provider insurance section of the contract to make absolutely sure that we’ve gotten your coverage written correctly. American Logistics, SoutheastTrans, and other NEMT providers have extremely particular requirements for coverage to protect them. Why is this? One answer: safety.

How Can American Business Insurance Services, Inc. Help?

If you have questions or are seeking further guidance, please don’t hesitate to contact us. Call us Monday – Friday, from 8 am to 5 pm PST: 800-980-1950 or email us anytime! We would love to help you get your NEMT business in Utah off the ground and paired with an insurer that’s right for you. Be sure to check out our social media: Instagram, Facebook, LinkedIn.

How to Save the MOST Money on Your Commercial Fleet Insurance Rates

ABI Transportation Experts Speak: How to Save the MOST Money on Your Commercial Fleet Insurance Rates

Written by Laura Loftus on Thursday, February 28th, 2019

 

When speaking with clients about their commercial fleet insurance, the most common concern is how to get the lowest insurance rates. About 100% of the customers I speak to daily all have the same goal – they want the lowest insurance rates available and will do whatever it takes to get it. Whether you own a Taxi, Limo, Paratransit or Shared Economy company (peer to peer platform app), it’s a given that you want your commercial fleet insurance coverage at the lowest insurance rates available. What many companies don’t realize, especially start-ups, is that commercial fleet insurance underwriters do quite a bit of digging on your company through a variety of platforms to “check you out” prior to releasing a quote. They read Yelp reviews, they look at your website, they do Better Business Bureau checks – all of it.

There are common mistakes that transportation service companies are repeatedly making that will create doubt in a commercial fleet insurance company. These mistakes actually prevent your broker from being able to find the lowest insurance rates for your company. Most of these companies think they are making business decisions that will guide them toward the lowest insurance rates, and are unaware that their current website or driver pool is actually hurting their chances of achieving the lowest possible commercial fleet insurance rate.

Five common flubs transportation service companies are making that prevent your commercial fleet insurance broker from obtaining the lowest insurance rates possible:

1) Company Website

The first and most common mistake we see from commercial auto risks who are in the “wheels” business as us underwriters call it – is that you over the amount of experience or size of your transportation service company.  It is common for commercial fleet insurance underwriters to google your company to pick apart your website. Here are some items you may think are helping your chances at obtaining the lowest insurance rates but are actually red flags to commercial fleet insurance companies:

  •  Words like “Fast Pick-up” or ‘Delivery in Minutes” – no commercial fleet insurance underwriter wants to see that you are promising rushed services. Rushing = equals unsafe driving behavior.

commercial fleet insurance

  • Advertising vehicles that are not actually part of your fleet. For example, just yesterday I was helping a 35-car fleet in Portland with obtaining commercial fleet insurance quotes. The list of vehicles they provided were all private passenger type vehicles (meaning seating capacity of 8 or less) – good! But when I searched the company online, they advertised a large shuttle bus and a higher seating capacity van. When I asked the client about this, they those vehicles had been sold and they had no plans to replace them. Keeping your website up to date and only advertising only what you can actually deliver will keep unwanted questions from creeping into the commercial fleet insurance underwriters’ mind. Creating uncertainty is the last thing you want to do with a commercial fleet insurance underwriter when trying to obtain the lowest insurance rates.
  •  Age of vehicles is important to commercial fleet insurance companies. Publishing a picture of a 30-year-old vehicle is no bueno. Keep your fleet serviced regularly (we recommend every three to four thousand miles and cycle out old units. Newer, cleaner & well-maintained vehicles are not only more desired by clientele (when trying to compete with Uber/Lyft) but also preferred by commercial fleet insurance companies trying to avoid claims due to mechanical defect.
  • If you boast 20 years of experience but your LLC was filed three years ago, it creates uncertainty with insurance companies. It’s better to accurately reflect your business as it is now, and not what you want it to be five years from now. Just as there are items to avoid putting on your website, there are points that you should include on your website. It is always a good idea to brag about highly trained drivers and safety training you provide (more on this later). Be sure to note the maintenance you keep up with for your fleet, the background checks the city you operate in mandates and the highest level of driving records required for your drivers. Commercial fleet insurance underwriters like stable fleets with safe drivers. Bottom line, safer risks translates to commercial fleet insurance underwriters offering the lowest insurance rates.

2) Creating a Business Name

This may seem simple enough but for transportation business owners looking to for the lowest insurance rates, people often think that commercial fleet insurance companies give the lowest insurance rates to Limo’s and Non-Emergency Medical risks over a taxi or airport shuttle. While this might be true, cornering yourself into a specific type of transportation in your business name narrows the list of commercial fleet insurance carriers you are eligible for. Many markets write only taxis or only limos. So, if you file your business name with the Secretary of State as Laura’s Taxi & Limo Service, LLC. – it could possibly make you ineligible for a limo commercial fleet insurance program because they don’t insure taxis and vice versa – even if your unit type meets their requirements. When talking with clients, I always say it’s best to be general about the transportation type within the name of their business, especially as market conditions change. You may be heavy in taxi trips one year but then obtain a paratransit contract and do more of that the following year. The more years of favorable loss history (loss runs) you can provide, the better chance you have at obtaining the lowest insurance rates. Choosing a business name that is general such as Laura’s Transportation Service, LLC. allows you flexibility to transform and evolve your business as the industry demands change.

3) Loss Control is Everything

Underwriters give commercial fleet insurance at the lowest insurance rates to companies with low levels of paid claims. Even in a hard insurance market, with rates rising for the good guys too, you can expect to pay more for commercial fleet insurance if you’re prior insurance companies have paid a lot in claims. Here are some suggestions in tightening loss control for your transportation service company:

  •  Hire a full-time loss control or driver manager who will enforce a safety culture. Doing this, will lower the frequency and severity of claim payouts and put your transportation service company in a better position to obtain the lowest insurance rates. This person should be in charge of overseeing the overall safety of your company. Managing and coaching your drivers is the key to a successful transportation service company. You are only as good as your worst driver.
  • commercial fleet insurance Invest in cameras that capture not only accidents but also driver analytics. This type of camera system will allow you to review driver behavior and correct bad habits before they cause an accident. We like to say this method is similar to that of a professional athlete. How do they improve? They watch their game film and correct bad habits. Driving professionally is the same. The more you do it, the more comfortable you get and having drivers watch themselves reduces risky behavior dramatically. Additionally, it’s a known fact that many commercial fleet insurance claims are paid because of he said/she said situations. Having accidents on camera is the best way to know who exactly was at fault and exonerate innocent drivers.
  •  Hold weekly safety huddles and or monthly meetings. Review the data and claims that have occurred recently and talk to your drivers about how they could have been prevented.
  •  Commit to investing in annual defensive driving training for your drivers. This annual reminder to drivers will ensure that bad habits are addressed and give each driver a time to reflect on their own performance.
  • Implement a reward program for safe drivers. Giving an incentive, even if it’s small monetary gift cards – keeps your drivers focused and motivated on safe driving habits.

4) The Driver Pool

The Driver Pool is so important when trying to achieve the lowest insurance rates from commercial fleet insurance providers for your transportation company. How you chose to manage drivers and who you hire is crucial. Create formal guidelines that clearly outline what is acceptable for employment. We recommend only hiring drivers with zero accidents within the past three years and minimal moving violations. Clean MVRs are best but we know that professional drivers with experience usually do not have clean MVRs and this is ok. Professional drivers are on the road up to 3x more than someone commuting to/from work so it’s a given that they will most likely have more violations on their records. Repeat offenders can impact the cost of your commercial fleet insurance and should be let go. No one is perfect, but you should train your drivers with the goal to be as safe as possible. Excessive violations on a driving record can cause surcharges and prevent you from obtaining the lower insurance rates. Additionally, younger drivers sometimes generate higher premiums for commercial fleet insurance as well as newly licensed individuals.

5) Contact an Experienced, Transportation Insurance Broker

commercial fleet insurance

Working with a transportation specialist versus a local agency makes a huge difference as commercial fleet insurance brokers have access to many more transportation focused insurance companies. Also, an experienced broker will review your company data prior to submitting to commercial fleet insurance companies. If they see something a commercial fleet insurance company won’t like, they can address it with you and provide you with an opportunity to make changes before submitting to each carrier. The more information you can provide to a commercial fleet insurance underwriter, the better chances you have at achieving the lowest insurance rates. Because the for-hire, livery insurance market is so thin, carriers often get multiple submissions from duplicate brokers. Try to work with one broker at a time. You may think contacting multiple agencies well help you, but if they are all going to the same markets for commercial fleet insurance – it’s duplicating not only your own work, but the insurance companies as well. The livery market is a tough class of business and finding an experienced broker will absolutely give you a leg up on finding the lowest insurance rates over a generalist broker.

American Business Insurance Services, Inc. has been working with transportation companies across the nation for 35+ years. We have direct relationships with the most competitive commercial fleet insurance companies. We know what it takes to submit a complete application and present your company in the best light possible – which will no doubt translate to finding commercial fleet insurance at the lowest insurance rate.

Looking for a quote? Click here

Autonomous Car Insurance and How it Works

How Autonomous Car Insurance Works

With technology in our society advancing at such an incredible rate, all of our cars could have minds entirely of their own within years. As a matter of fact, we are on our way there already. They are not yet available on a large scale. However, autonomous cars certainly are a reality and could eventually integrate themselves fully into our everyday lives. The question that many are asking has to do with insurance for an autonomous car. Car insurance typically protects the driver and car from mistakes that are caused by the driver. So if all cars will be completely autonomous and self-sufficient from humans, what is the point of insurance? If the car gets in an accident, who is then held responsible? In this futuristic dilemma, car insurance will work a little differently than we’re used to, but American Business Insurance is prepared to handle it.

How Do Autonomous Vehicles Work?

Essentially, autonomous vehicle manufacturers and designers will think of everything that a car needs a human for and remove those needs. For example, an autonomous car will be built with a GPS in it, so it doesn’t need a person to control navigation. Many of them also have sensors in and around them, in order to help them avoid accidents. Of course, this would typically be the job of the driver. There is also the element of augmented reality. AR is a method of getting information to the driver, such as displaying it on the windshield. This information could be directions, the speed of the car, information about the music thats playing, etc. And the vehicle is the one that has it all. The would-be driver just turns into a rider, and the car handles the rest.

Changes in Insurance

Insurance for autonomous vehicles will play a different role than insurance for a regular car. Instead of the driver or owner of the vehicle being responsible for accidents, it would likely be the manufacturer of the autonomous vehicle. Now, its rare for a malfunction of the vehicle to be the cause of an accident; they are almost always a result of human error. This could be the largest change to car insurance if and when autonomous vehicles become a norm in our society. Manufacturers being held responsible for insuring each vehicle themselves will create an expensive, long-term process before the vehicles can be safely put to use. It will also require an extensive process of making sure that many ethical issues are covered.

ABI’s Role

The idea that human-operated vehicles will be obsolete in everyday life may seem plausible only in the distant future. However, functioning autonomous cars are on their way to changing transportation forever. There are countless pros to autonomous vehicles, but insuring all vehicles so that riders are promised complete safety would be the primary con. To ease the process of insuring self-driving cars, ABI’s Insurance Services have exactly what it takes for companies to make the transition from human-driven cars to self-driven cars. With 75 years of experience in transportation network companies, ABI can make riders feel safe using new technology, and help our society continue to evolve in amazing ways. ABI has direct relationships with the insurance carriers they write policies through, allowing for great efficiency and attention to detail. But you don’t have to wait for all cars to drive themselves to achieve this kind of protection and safety; contact ABI for both large and small fleet insurance today!

Taxi Cab Insurance: The Best Coverage for the Best Price

Taxi Cab Insurance

Taxis are the go-to transportation mode for people all over the country. There are many tales about heroic cabbies coming to save the day or night. Some dub the driver’s seat of taxi cab the world’s best free theater. It is important to have great taxi cab insurance!

As many heart-warming and glorious stories out there about taxi cabs, there a few less-than desirable stories as well. That’s when taxi cab insurance by ABI comes to the rescue! We have your back no matter what.

Why Taxi Cab Insurance with ABI?

Founded in 1984, ABI Insurance services offer the experience and expertise needed in the insurance realm. With new policies and insurance guidelines coming out regularly, it is important to stay in the know about any new changes. Staying up to date in policy lingo isn’t the easiest (or most amusing) pastime – so leave it to the professionals at ABI. We are also current and up to date with the newest policies when it comes to taxi cab insurance.

ABI is also one of largest commercial transportation insurance agencies. Additionally approximately 40,000 vehicles are currently covered by ABI. You can rest assured knowing that thousands of other taxi cab owners have trusted with with insuring their vehicle or fleet. For over 35+ years we have offered top of the line customer service and knowledgeable insight into taxi cab insurance.

Furthermore, at ABI we value our client’s business and take pride in the partnerships we have curated for the past 35 years. At ABI we have designed mobile apps so you can monitor your taxi cab insurance policies anytime, anywhere. Drive confidently knowing that everything you need is at your fingertips.

Benefits of Taxi Cab Insurance from ABI:

  • Customizable to your policy needs
  • Certificate issuance available in minutes
  • Mobile apps with your policy details
  • Over 35+ years of experience
  • 40,000 vehicles insured
  • Competitive pricing

Customizable Taxi Cab Insurance

We have the experience necessary to know the field. We then pair this knowledge with top of the line technology – and we do not outsource. Our in-house programmers will work directly with you to design a custom plan to meet your individual taxi cab insurance needs. We will design a policy that covers the needs of all parties involved.

We understand the time-sensitive nature and regulatory requirements involved in operating a passenger transportation company. With a specific department dedicated to certificate issuance, we are able to have our client’s vehicles on the road within minutes of a request.

We pride ourselves on providing prompt, reliable, experienced, innovative, and competitive services and solutions to our loyal customers.

Taxi Cabs: A Brief History

The first electric taxi cab came in a fleet of 600 cars to NYC. These taxis were dubbed “hummingbirds” due to the electronic humming noise they made. The word taxicab was originally used as one work after “taximeter” the device used to keep track of distance and fare. In the 1980s computer assisted taxi cabs were dispatched to those who were in need of a cab. Nowadays passengers can order a taxi cab straight from their phone to be picked up in minutes.

Paratransit Insurance: Affordable Coverage for Your Fleet

Paratransit Insurance

Having the proper paratransit insurance is very important to your paratransit automobile or fleet. The services that paratransit automobiles accomplish for the disabled is truly life changing, and deserves insurance that is equally stellar.

You need to ensure the safety and reliability of your paratransit vehicle to protect your passengers and yourself. Paratransits are essential parts of society and provide mobility to those who would otherwise not have access. Paratransit services are custom to many different disabilities and the automobiles are equipped to serve handicapped or disabled persons in the most efficient way possible.

Paratransit Transportation

Thanks to the Americans with Disabilities Act of 1990, paratransit services are now a daily reality for many American’s with disabilities. By providing transportation for those with disabilities, paratransit services are paramount to the well-being and mobility of thousands of disabled Americans.

Veterans and the elderly are just a few of the people who utilize paratransit services. Without these versatile automobiles, short trips in the car would be impossible for many disabled persons. Paratransit services not only provide essential mobility, they also greatly improve the quality of life of many people. Thanks to paratransit services, those who would otherwise not have an accessible and mobile life, are able to find their freedom.

Paratransit Insurance at ABI Insurance Services Inc

ABI Insurance Services Inc was founded in 1984 and we offer experience and expertise in the insurance realm. ABI is one of largest commercial transportation insurance agencies.

Additionally approximately 40,000 vehicles are currently covered by ABI. For over 35+ years we have offered top of the line customer service and knowledgable insight into paratransit insurance.

Furthermore, at ABI we value our client’s business and take pride in the partnerships we have curated for the past 35 years.

At ABI we have designed mobile apps so you can monitor your paratransit insurance policies anytime, anywhere. So you can rest assured knowing that everything you need is at your fingertips.

Paratransit Insurance Catered to your Specific Needs

We have the experience necessary to know the field. We then pair this knowledge with top of the line technology. Our in-house programmers will work directly with you to design a custom plan to meet your individual paratransit insurance needs. We will design a policy that covers the intricate needs of all parties involved.

At ABI, we understand the time-sensitive nature and regulatory requirements involved in operating a passenger transportation company. With a specific department dedicated to certificate issuance, we are able to have our client’s vehicles on the road within minutes of a request.

We pride ourselves on providing prompt, reliable, experienced, innovative, and competitive services and solutions to our loyal customers.

Paratransit Services Provide:

  • Mobility to disabled
  • Access to accessible transportation
  • Freedom to go places and run errands
  • Better life quality for those who are disabled

Have More Questions about Paratransit Insurance?

Visit our contact page to learn more or speak with an agent to get all your questions answered promptly.

Ready to sign up for Paratransit Insurance?

We look forward to helping you fulfill your insurance needs. Please click here to be redirected to our sign up page.

 

 

For Hire Livery Insurance

For hire livery insurance is a special type of insurance that covers vehicles used to transport people, such as Taxis, Limos, buses, and other non-emergency transport services. American Business Insurance covers a wide variety of services, that means we cover other non-traditional services other than taxis and black cars. If you are a business owner that operates a fleet of transportation vehicles, you should consider getting coverage from American Business Insurance. Why? Because at American Business Insurance we are always thinking ahead, and we have the flexibility unlike the other large insurance corporations. That is why we are introducing special insurance coverages for drivers for Uber, Lyft, Turo, and Get Around. This shows that our business is always innovating and looking for ways to change with the industry.

Introducing Period X ™ & Period Zero ™

Period X ™ & Period Zero ™ are our brand new services tailored to for hire livery services such as Uber, Lyft, Turo and Get Around. These special coverages are similar to our other fleet insurance policies, where the coverage is on a pay-per-drive or pay-per-mile basis. American Business Insurance understands that these ride sharing services are on the rise recently, and in order to counter these changes in the industry our company needs to stay innovative to be on top of the game. One of the benefits for For Hire Livery Insurance is the collision coverage. According to the Insurance company State Farm, on average a driver files an insurance claim every 17 years, or roughly one accident per 300,000 miles you drive (based on the average American driving statistics). As a ride sharing driver you will be driving A LOT more than the average American, that means you should consider getting For Hire Livery Insurance even more than the average American.

Besides Collision coverage, our for hire livery insurance coverage includes different options such as liability protection, driver protection, and vehicle protection, and also the ability to cover your medical expenses in case of an accident. At American Business Insurance, we understand that accidents to happen, and we are here to minimize the trouble for you. If you own a car and use it for ridesharing services, you should consider using American Business Insurance’s brand new Period X ™ & Period Zero ™ plans.

Other For Hire Livery Insurance Options

If you don’t drive a Uber or Lyft, we do have other coverage that targets specific non-emergency vehicles such as buses, limos, black cars, and even trucks. Some of these services include Child Transportation, Elderly transportation, and also airport transportation services. However, many of these services have certain limitations based on the vehicle and the State that the company is operating in. At American Business Insurance, we strive to provide you with the best For Hire Livery Insurance quotes that are tailored to your specific company and your situation. Our company operates across the United States, that means we know all of the Ins and Outs of each State and its specific regulations.

In conclusion, you should consider American Business Insurance if you are in the market of For Hire Livery Insurance. Throughout the 30+ years American Business Insurance is in business, we have always strived to provide the best insurance coverage tailored to your specific company. So what are you waiting for? Go online to abiweb.com and shop around our different policies, and even if you’re not in the market for For Hire Livery Insurance policies, we have other commercial insurance policies available. Get Insured today.

How ABI is Protecting HyreCar

How ABI is Protecting Hyrecar

Ride-sharing services are taking the world of transportation by storm. Uber and Lyft are constantly relied on both by riders who need to get places efficiently, and by those who are employed by either company. However, many people are not aware that vehicles must meet certain standards in order to provide rides by Uber and Lyft. Due to these specific requirements for cars, many who desire to drive for the ride-sharing service aren’t allowed the opportunity. There was nothing they could do- until Hyrecar.

The Solution

HyreCar has arrived as the first car-matching service that works hand in hand with Uber and Lyft. The concept is simple: for those who desire to drive but don’t have a car that meets the requirements, HyreCar allows you to rent one and get right to work. Most issues that are preventing certain cars from qualifying for Uber and Lyft are simply problems that are typical of older vehicles. Its a lot to ask of someone to make them purchase an entirely new vehicle just to pass the restrictions test. In turn, less people would drive for Uber and Lyft, which hurts both the would-be drivers and the companies themselves.

The Process

HyreCar realized the very simple solution to this problem, and the founders were shocked when they found that no one had discovered this niche market yet. HyreCar’s platform is easy to use, while still being thorough. It allows car owners to post their vehicles that are up for rental, and when drivers find one they want, they create a profile. This profile includes information such as driver’s license and social security numbers, and drivers can pay just by entering their credit card information into the platform. HyreCar’s founders believe that their screening process for drivers is even stricter than those of Uber and Lyft, checking things like criminal records, DMV records, and sex-offender databases.

Everybody Wins

Thanks to HyreCar, everybody involved benefits in some way. Cars that would otherwise be sitting in a garage or not in use somewhere are making their owners money. Those who wish to be drivers are given an easy way to fulfill that desire without buying a whole new car. Uber and Lyft have more drivers for their companies and therefore generate more business. HyreCar benefits by charging drivers that rent from them a 10% fee and car owners a 15% fee.

How ABI is Covering HyreCar

American Business Insurance is providing HyreCar with a unique insurance policy to ensure the highest level of safety for both the drivers and riders. When a driver is not driving for a ride-sharing platform but is still in possession of the rented car, they are covered by ABI’s policy that covers both the riders and drivers. When they are driving for a ride-sharing platform with the rented car, the insurance defaults to the state-mandated policy provided by the respective ride-sharing company.

As far as HyreCar is aware, they are the only car-matching service that utilizes a unique insurance policy such as the one provided by American Business Insurance. Thanks to ABI, HyreCar now has a competitive advantage that will likely continue to garner success for the company.

NEMT Insurance in Utah

Looking for NEMT Insurance in Utah?

Are you looking for a professional insurance agency that knows the ins-and-outs of Non-Emergency Medical Transportation, or NEMT Insurance, in Utah? American Business Insurance Services specializes in helping companies find and maintain the best amount of insurance. Our goal is to make sure that your business, employees, and customers are all protected without breaking the bank. We know that unlike standard automobiles, even a fender bender can create circumstances for a large claim due to the potentially fragile passengers being transported.

NEMT Services in UtahAmerican Business Insurance provides professional advice that will help you fully cover your business from all liabilities that could hurt your company. With this consultative-style approach, we are able to recommend the most comprehensive and most cost-effective NEMT insurance for your business. American Business Insurance Services, Inc. has been writing this class of business for over 35 years. Experience with NEMT coverage cannot be understated when you consider the vast requirements that apply to this type of policy. American Business Insurance currently offers NEMT insurance in Utah as well as nearly every other state in the U.S.

NEMT Insurance in Utah for Company Fleets

We all have loved ones, that at one time or another, are in need of consistent medical care. Whether they be our aging grandparents, parents, or even our in-laws, we want the best care for them. But sometimes, our lives get a bit hectic and busy. We can’t always find the time to escort our loved ones to doctor appointments and other medical treatment centers. Although, there are ways to make this process a little easier. Many families, hospitals, and doctor offices turn to Paratransit Service or Non-Emergency Medical Transportation (NEMT) providers to fill this need. The Americans with Disabilities Act of 1990, made paratransit service a daily reality for many Americans with disabilities. By providing transportation for those with disabilities, paratransit services are paramount to the well-being and mobility of thousands of Americans.

NEMT Insurance in Utah

Even for those who have loved ones nearby, it’s not always convenient or possible to be available at all hours. Non-emergency medical transportation in Utah can be very advantageous for individuals who are unable to use conventional transportation means. NEMT services in Utah have several benefits. First off, medical transportation services in Utah provide some of the safest transportation options available. Moreover, NEMT services are health-focused – which can be especially important for those with a disability or health condition, as well as the elderly.

non emergency medical transportation vehicle

As a NEMT business owner, this is where your company comes into play. If you are a NEMT agency that operates fleets in Utah, it’s especially important that you have NEMT insurance. American Business Insurance works with agencies to provide the best available coverage. Having the right NEMT insurance in Utah is essential in making sure your business and customers are covered in case of an incident.

When customers are looking to choose a paratransit service or agency to be responsible for their loved ones, they will be looking into the NEMT company to make sure their loved one is going to be safe and protected.  American Business Insurance Services, Inc. provides NEMT insurance to companies in Utah as well as nationwide, creating customized policies to best serve the client’s needs.

How to Decide on NEMT Insurance for Your Company Fleet

There are a lot of factors that go into finding the best NEMT insurance coverage for your non-emergency medical transportation’s large fleet. Therefore, prepare to answer a few questions when working with American Business Insurance to find you the best quote to match your business needs.

  • Are the majority of your trips for passengers ambulatory or non-ambulatory?
  • Does your company contract with LogistiCare or other providers with strict insurance requirements?
  • Do your vehicles have lifts or ramps?
  • Do your vehicles include backup cameras so your drivers can see whether or not someone in a low wheelchair is behind the vehicle when backing?

Insurance companies ask these questions to ensure you are fully covered under your policy. At American Business Insurance Services, Inc., we guarantee the most thorough coverage for your large fleet. Furthermore, we have trained professionals who will take care of everything, and will guide you through the process of properly insuring your NEMT fleet most efficiently!

Why You (the Paratransit service/agency) Need Full Coverage

Having proper paratransit or NEMT insurance is critical to operating a successful transportation business. The services that paratransit automobile fleets accomplish for those in need is truly life-changing and deserves insurance that is equally up to par.

Moreover, the reason you (the Paratransit service/agency) need NEMT fleet insurance is to ensure the safety and reliability of your paratransit service company, protecting your passengers and your business.

Coverage Requirements for Paratransit and NEMT Companies

It’s crucial to know exactly what’s in your NEMT coverage contract. At American Business Insurance, we examine the contract providers and the requirements that they have. For example, let’s look at LogistiCare.

  • $1,000,000 Combined Single Limit of Auto Liability Coverage
  • Hired & Non-Owned Coverage (Symbols 2,8,9)
  • Loading & Unloading Coverage
  • General Liability Coverage at $1,000,000 per incident $2,000,000 Aggregate
  • Sexual Abuse and Molestation Coverage (limits can vary by location)

There are other requirements in addition to the ones listed above. However, if you are missing any of those items on your insurance policy, LogistiCare will suspend your account. Many large Non-Emergency fleets have a long list of additional interests that have different insurance requirements.

Typically, we will ask for a copy of the provider insurance section of the contract to make absolutely sure that we’ve gotten your coverage written correctly. American Logistics, SoutheastTrans, and other NEMT providers have extremely particular requirements for coverage to protect them. Why is this? One answer: safety.

How Can American Business Insurance Services, Inc. Help?

If you have questions or are seeking further guidance, please don’t hesitate to contact us. Call us Monday – Friday, from 8 am to 5 pm PST: 800-980-1950 or email us anytime! We would love to help you get your NEMT business in Utah off the ground and paired with an insurer that’s right for you. Be sure to check out our social media: Instagram, Facebook, LinkedIn.

How to Save the MOST Money on Your Commercial Fleet Insurance Rates

ABI Transportation Experts Speak: How to Save the MOST Money on Your Commercial Fleet Insurance Rates

Written by Laura Loftus on Thursday, February 28th, 2019

 

When speaking with clients about their commercial fleet insurance, the most common concern is how to get the lowest insurance rates. About 100% of the customers I speak to daily all have the same goal – they want the lowest insurance rates available and will do whatever it takes to get it. Whether you own a Taxi, Limo, Paratransit or Shared Economy company (peer to peer platform app), it’s a given that you want your commercial fleet insurance coverage at the lowest insurance rates available. What many companies don’t realize, especially start-ups, is that commercial fleet insurance underwriters do quite a bit of digging on your company through a variety of platforms to “check you out” prior to releasing a quote. They read Yelp reviews, they look at your website, they do Better Business Bureau checks – all of it.

There are common mistakes that transportation service companies are repeatedly making that will create doubt in a commercial fleet insurance company. These mistakes actually prevent your broker from being able to find the lowest insurance rates for your company. Most of these companies think they are making business decisions that will guide them toward the lowest insurance rates, and are unaware that their current website or driver pool is actually hurting their chances of achieving the lowest possible commercial fleet insurance rate.

Five common flubs transportation service companies are making that prevent your commercial fleet insurance broker from obtaining the lowest insurance rates possible:

1) Company Website

The first and most common mistake we see from commercial auto risks who are in the “wheels” business as us underwriters call it – is that you over the amount of experience or size of your transportation service company.  It is common for commercial fleet insurance underwriters to google your company to pick apart your website. Here are some items you may think are helping your chances at obtaining the lowest insurance rates but are actually red flags to commercial fleet insurance companies:

  •  Words like “Fast Pick-up” or ‘Delivery in Minutes” – no commercial fleet insurance underwriter wants to see that you are promising rushed services. Rushing = equals unsafe driving behavior.

commercial fleet insurance

  • Advertising vehicles that are not actually part of your fleet. For example, just yesterday I was helping a 35-car fleet in Portland with obtaining commercial fleet insurance quotes. The list of vehicles they provided were all private passenger type vehicles (meaning seating capacity of 8 or less) – good! But when I searched the company online, they advertised a large shuttle bus and a higher seating capacity van. When I asked the client about this, they those vehicles had been sold and they had no plans to replace them. Keeping your website up to date and only advertising only what you can actually deliver will keep unwanted questions from creeping into the commercial fleet insurance underwriters’ mind. Creating uncertainty is the last thing you want to do with a commercial fleet insurance underwriter when trying to obtain the lowest insurance rates.
  •  Age of vehicles is important to commercial fleet insurance companies. Publishing a picture of a 30-year-old vehicle is no bueno. Keep your fleet serviced regularly (we recommend every three to four thousand miles and cycle out old units. Newer, cleaner & well-maintained vehicles are not only more desired by clientele (when trying to compete with Uber/Lyft) but also preferred by commercial fleet insurance companies trying to avoid claims due to mechanical defect.
  • If you boast 20 years of experience but your LLC was filed three years ago, it creates uncertainty with insurance companies. It’s better to accurately reflect your business as it is now, and not what you want it to be five years from now. Just as there are items to avoid putting on your website, there are points that you should include on your website. It is always a good idea to brag about highly trained drivers and safety training you provide (more on this later). Be sure to note the maintenance you keep up with for your fleet, the background checks the city you operate in mandates and the highest level of driving records required for your drivers. Commercial fleet insurance underwriters like stable fleets with safe drivers. Bottom line, safer risks translates to commercial fleet insurance underwriters offering the lowest insurance rates.

2) Creating a Business Name

This may seem simple enough but for transportation business owners looking to for the lowest insurance rates, people often think that commercial fleet insurance companies give the lowest insurance rates to Limo’s and Non-Emergency Medical risks over a taxi or airport shuttle. While this might be true, cornering yourself into a specific type of transportation in your business name narrows the list of commercial fleet insurance carriers you are eligible for. Many markets write only taxis or only limos. So, if you file your business name with the Secretary of State as Laura’s Taxi & Limo Service, LLC. – it could possibly make you ineligible for a limo commercial fleet insurance program because they don’t insure taxis and vice versa – even if your unit type meets their requirements. When talking with clients, I always say it’s best to be general about the transportation type within the name of their business, especially as market conditions change. You may be heavy in taxi trips one year but then obtain a paratransit contract and do more of that the following year. The more years of favorable loss history (loss runs) you can provide, the better chance you have at obtaining the lowest insurance rates. Choosing a business name that is general such as Laura’s Transportation Service, LLC. allows you flexibility to transform and evolve your business as the industry demands change.

3) Loss Control is Everything

Underwriters give commercial fleet insurance at the lowest insurance rates to companies with low levels of paid claims. Even in a hard insurance market, with rates rising for the good guys too, you can expect to pay more for commercial fleet insurance if you’re prior insurance companies have paid a lot in claims. Here are some suggestions in tightening loss control for your transportation service company:

  •  Hire a full-time loss control or driver manager who will enforce a safety culture. Doing this, will lower the frequency and severity of claim payouts and put your transportation service company in a better position to obtain the lowest insurance rates. This person should be in charge of overseeing the overall safety of your company. Managing and coaching your drivers is the key to a successful transportation service company. You are only as good as your worst driver.
  • commercial fleet insurance Invest in cameras that capture not only accidents but also driver analytics. This type of camera system will allow you to review driver behavior and correct bad habits before they cause an accident. We like to say this method is similar to that of a professional athlete. How do they improve? They watch their game film and correct bad habits. Driving professionally is the same. The more you do it, the more comfortable you get and having drivers watch themselves reduces risky behavior dramatically. Additionally, it’s a known fact that many commercial fleet insurance claims are paid because of he said/she said situations. Having accidents on camera is the best way to know who exactly was at fault and exonerate innocent drivers.
  •  Hold weekly safety huddles and or monthly meetings. Review the data and claims that have occurred recently and talk to your drivers about how they could have been prevented.
  •  Commit to investing in annual defensive driving training for your drivers. This annual reminder to drivers will ensure that bad habits are addressed and give each driver a time to reflect on their own performance.
  • Implement a reward program for safe drivers. Giving an incentive, even if it’s small monetary gift cards – keeps your drivers focused and motivated on safe driving habits.

4) The Driver Pool

The Driver Pool is so important when trying to achieve the lowest insurance rates from commercial fleet insurance providers for your transportation company. How you chose to manage drivers and who you hire is crucial. Create formal guidelines that clearly outline what is acceptable for employment. We recommend only hiring drivers with zero accidents within the past three years and minimal moving violations. Clean MVRs are best but we know that professional drivers with experience usually do not have clean MVRs and this is ok. Professional drivers are on the road up to 3x more than someone commuting to/from work so it’s a given that they will most likely have more violations on their records. Repeat offenders can impact the cost of your commercial fleet insurance and should be let go. No one is perfect, but you should train your drivers with the goal to be as safe as possible. Excessive violations on a driving record can cause surcharges and prevent you from obtaining the lower insurance rates. Additionally, younger drivers sometimes generate higher premiums for commercial fleet insurance as well as newly licensed individuals.

5) Contact an Experienced, Transportation Insurance Broker

commercial fleet insurance

Working with a transportation specialist versus a local agency makes a huge difference as commercial fleet insurance brokers have access to many more transportation focused insurance companies. Also, an experienced broker will review your company data prior to submitting to commercial fleet insurance companies. If they see something a commercial fleet insurance company won’t like, they can address it with you and provide you with an opportunity to make changes before submitting to each carrier. The more information you can provide to a commercial fleet insurance underwriter, the better chances you have at achieving the lowest insurance rates. Because the for-hire, livery insurance market is so thin, carriers often get multiple submissions from duplicate brokers. Try to work with one broker at a time. You may think contacting multiple agencies well help you, but if they are all going to the same markets for commercial fleet insurance – it’s duplicating not only your own work, but the insurance companies as well. The livery market is a tough class of business and finding an experienced broker will absolutely give you a leg up on finding the lowest insurance rates over a generalist broker.

American Business Insurance Services, Inc. has been working with transportation companies across the nation for 35+ years. We have direct relationships with the most competitive commercial fleet insurance companies. We know what it takes to submit a complete application and present your company in the best light possible – which will no doubt translate to finding commercial fleet insurance at the lowest insurance rate.

Looking for a quote? Click here

Autonomous Car Insurance and How it Works

How Autonomous Car Insurance Works

With technology in our society advancing at such an incredible rate, all of our cars could have minds entirely of their own within years. As a matter of fact, we are on our way there already. They are not yet available on a large scale. However, autonomous cars certainly are a reality and could eventually integrate themselves fully into our everyday lives. The question that many are asking has to do with insurance for an autonomous car. Car insurance typically protects the driver and car from mistakes that are caused by the driver. So if all cars will be completely autonomous and self-sufficient from humans, what is the point of insurance? If the car gets in an accident, who is then held responsible? In this futuristic dilemma, car insurance will work a little differently than we’re used to, but American Business Insurance is prepared to handle it.

How Do Autonomous Vehicles Work?

Essentially, autonomous vehicle manufacturers and designers will think of everything that a car needs a human for and remove those needs. For example, an autonomous car will be built with a GPS in it, so it doesn’t need a person to control navigation. Many of them also have sensors in and around them, in order to help them avoid accidents. Of course, this would typically be the job of the driver. There is also the element of augmented reality. AR is a method of getting information to the driver, such as displaying it on the windshield. This information could be directions, the speed of the car, information about the music thats playing, etc. And the vehicle is the one that has it all. The would-be driver just turns into a rider, and the car handles the rest.

Changes in Insurance

Insurance for autonomous vehicles will play a different role than insurance for a regular car. Instead of the driver or owner of the vehicle being responsible for accidents, it would likely be the manufacturer of the autonomous vehicle. Now, its rare for a malfunction of the vehicle to be the cause of an accident; they are almost always a result of human error. This could be the largest change to car insurance if and when autonomous vehicles become a norm in our society. Manufacturers being held responsible for insuring each vehicle themselves will create an expensive, long-term process before the vehicles can be safely put to use. It will also require an extensive process of making sure that many ethical issues are covered.

ABI’s Role

The idea that human-operated vehicles will be obsolete in everyday life may seem plausible only in the distant future. However, functioning autonomous cars are on their way to changing transportation forever. There are countless pros to autonomous vehicles, but insuring all vehicles so that riders are promised complete safety would be the primary con. To ease the process of insuring self-driving cars, ABI’s Insurance Services have exactly what it takes for companies to make the transition from human-driven cars to self-driven cars. With 75 years of experience in transportation network companies, ABI can make riders feel safe using new technology, and help our society continue to evolve in amazing ways. ABI has direct relationships with the insurance carriers they write policies through, allowing for great efficiency and attention to detail. But you don’t have to wait for all cars to drive themselves to achieve this kind of protection and safety; contact ABI for both large and small fleet insurance today!

Taxi Cab Insurance: The Best Coverage for the Best Price

Taxi Cab Insurance

Taxis are the go-to transportation mode for people all over the country. There are many tales about heroic cabbies coming to save the day or night. Some dub the driver’s seat of taxi cab the world’s best free theater. It is important to have great taxi cab insurance!

As many heart-warming and glorious stories out there about taxi cabs, there a few less-than desirable stories as well. That’s when taxi cab insurance by ABI comes to the rescue! We have your back no matter what.

Why Taxi Cab Insurance with ABI?

Founded in 1984, ABI Insurance services offer the experience and expertise needed in the insurance realm. With new policies and insurance guidelines coming out regularly, it is important to stay in the know about any new changes. Staying up to date in policy lingo isn’t the easiest (or most amusing) pastime – so leave it to the professionals at ABI. We are also current and up to date with the newest policies when it comes to taxi cab insurance.

ABI is also one of largest commercial transportation insurance agencies. Additionally approximately 40,000 vehicles are currently covered by ABI. You can rest assured knowing that thousands of other taxi cab owners have trusted with with insuring their vehicle or fleet. For over 35+ years we have offered top of the line customer service and knowledgeable insight into taxi cab insurance.

Furthermore, at ABI we value our client’s business and take pride in the partnerships we have curated for the past 35 years. At ABI we have designed mobile apps so you can monitor your taxi cab insurance policies anytime, anywhere. Drive confidently knowing that everything you need is at your fingertips.

Benefits of Taxi Cab Insurance from ABI:

  • Customizable to your policy needs
  • Certificate issuance available in minutes
  • Mobile apps with your policy details
  • Over 35+ years of experience
  • 40,000 vehicles insured
  • Competitive pricing

Customizable Taxi Cab Insurance

We have the experience necessary to know the field. We then pair this knowledge with top of the line technology – and we do not outsource. Our in-house programmers will work directly with you to design a custom plan to meet your individual taxi cab insurance needs. We will design a policy that covers the needs of all parties involved.

We understand the time-sensitive nature and regulatory requirements involved in operating a passenger transportation company. With a specific department dedicated to certificate issuance, we are able to have our client’s vehicles on the road within minutes of a request.

We pride ourselves on providing prompt, reliable, experienced, innovative, and competitive services and solutions to our loyal customers.

Taxi Cabs: A Brief History

The first electric taxi cab came in a fleet of 600 cars to NYC. These taxis were dubbed “hummingbirds” due to the electronic humming noise they made. The word taxicab was originally used as one work after “taximeter” the device used to keep track of distance and fare. In the 1980s computer assisted taxi cabs were dispatched to those who were in need of a cab. Nowadays passengers can order a taxi cab straight from their phone to be picked up in minutes.

Paratransit Insurance: Affordable Coverage for Your Fleet

Paratransit Insurance

Having the proper paratransit insurance is very important to your paratransit automobile or fleet. The services that paratransit automobiles accomplish for the disabled is truly life changing, and deserves insurance that is equally stellar.

You need to ensure the safety and reliability of your paratransit vehicle to protect your passengers and yourself. Paratransits are essential parts of society and provide mobility to those who would otherwise not have access. Paratransit services are custom to many different disabilities and the automobiles are equipped to serve handicapped or disabled persons in the most efficient way possible.

Paratransit Transportation

Thanks to the Americans with Disabilities Act of 1990, paratransit services are now a daily reality for many American’s with disabilities. By providing transportation for those with disabilities, paratransit services are paramount to the well-being and mobility of thousands of disabled Americans.

Veterans and the elderly are just a few of the people who utilize paratransit services. Without these versatile automobiles, short trips in the car would be impossible for many disabled persons. Paratransit services not only provide essential mobility, they also greatly improve the quality of life of many people. Thanks to paratransit services, those who would otherwise not have an accessible and mobile life, are able to find their freedom.

Paratransit Insurance at ABI Insurance Services Inc

ABI Insurance Services Inc was founded in 1984 and we offer experience and expertise in the insurance realm. ABI is one of largest commercial transportation insurance agencies.

Additionally approximately 40,000 vehicles are currently covered by ABI. For over 35+ years we have offered top of the line customer service and knowledgable insight into paratransit insurance.

Furthermore, at ABI we value our client’s business and take pride in the partnerships we have curated for the past 35 years.

At ABI we have designed mobile apps so you can monitor your paratransit insurance policies anytime, anywhere. So you can rest assured knowing that everything you need is at your fingertips.

Paratransit Insurance Catered to your Specific Needs

We have the experience necessary to know the field. We then pair this knowledge with top of the line technology. Our in-house programmers will work directly with you to design a custom plan to meet your individual paratransit insurance needs. We will design a policy that covers the intricate needs of all parties involved.

At ABI, we understand the time-sensitive nature and regulatory requirements involved in operating a passenger transportation company. With a specific department dedicated to certificate issuance, we are able to have our client’s vehicles on the road within minutes of a request.

We pride ourselves on providing prompt, reliable, experienced, innovative, and competitive services and solutions to our loyal customers.

Paratransit Services Provide:

  • Mobility to disabled
  • Access to accessible transportation
  • Freedom to go places and run errands
  • Better life quality for those who are disabled

Have More Questions about Paratransit Insurance?

Visit our contact page to learn more or speak with an agent to get all your questions answered promptly.

Ready to sign up for Paratransit Insurance?

We look forward to helping you fulfill your insurance needs. Please click here to be redirected to our sign up page.

 

 

For Hire Livery Insurance

For hire livery insurance is a special type of insurance that covers vehicles used to transport people, such as Taxis, Limos, buses, and other non-emergency transport services. American Business Insurance covers a wide variety of services, that means we cover other non-traditional services other than taxis and black cars. If you are a business owner that operates a fleet of transportation vehicles, you should consider getting coverage from American Business Insurance. Why? Because at American Business Insurance we are always thinking ahead, and we have the flexibility unlike the other large insurance corporations. That is why we are introducing special insurance coverages for drivers for Uber, Lyft, Turo, and Get Around. This shows that our business is always innovating and looking for ways to change with the industry.

Introducing Period X ™ & Period Zero ™

Period X ™ & Period Zero ™ are our brand new services tailored to for hire livery services such as Uber, Lyft, Turo and Get Around. These special coverages are similar to our other fleet insurance policies, where the coverage is on a pay-per-drive or pay-per-mile basis. American Business Insurance understands that these ride sharing services are on the rise recently, and in order to counter these changes in the industry our company needs to stay innovative to be on top of the game. One of the benefits for For Hire Livery Insurance is the collision coverage. According to the Insurance company State Farm, on average a driver files an insurance claim every 17 years, or roughly one accident per 300,000 miles you drive (based on the average American driving statistics). As a ride sharing driver you will be driving A LOT more than the average American, that means you should consider getting For Hire Livery Insurance even more than the average American.

Besides Collision coverage, our for hire livery insurance coverage includes different options such as liability protection, driver protection, and vehicle protection, and also the ability to cover your medical expenses in case of an accident. At American Business Insurance, we understand that accidents to happen, and we are here to minimize the trouble for you. If you own a car and use it for ridesharing services, you should consider using American Business Insurance’s brand new Period X ™ & Period Zero ™ plans.

Other For Hire Livery Insurance Options

If you don’t drive a Uber or Lyft, we do have other coverage that targets specific non-emergency vehicles such as buses, limos, black cars, and even trucks. Some of these services include Child Transportation, Elderly transportation, and also airport transportation services. However, many of these services have certain limitations based on the vehicle and the State that the company is operating in. At American Business Insurance, we strive to provide you with the best For Hire Livery Insurance quotes that are tailored to your specific company and your situation. Our company operates across the United States, that means we know all of the Ins and Outs of each State and its specific regulations.

In conclusion, you should consider American Business Insurance if you are in the market of For Hire Livery Insurance. Throughout the 30+ years American Business Insurance is in business, we have always strived to provide the best insurance coverage tailored to your specific company. So what are you waiting for? Go online to abiweb.com and shop around our different policies, and even if you’re not in the market for For Hire Livery Insurance policies, we have other commercial insurance policies available. Get Insured today.

How ABI is Protecting HyreCar

How ABI is Protecting Hyrecar

Ride-sharing services are taking the world of transportation by storm. Uber and Lyft are constantly relied on both by riders who need to get places efficiently, and by those who are employed by either company. However, many people are not aware that vehicles must meet certain standards in order to provide rides by Uber and Lyft. Due to these specific requirements for cars, many who desire to drive for the ride-sharing service aren’t allowed the opportunity. There was nothing they could do- until Hyrecar.

The Solution

HyreCar has arrived as the first car-matching service that works hand in hand with Uber and Lyft. The concept is simple: for those who desire to drive but don’t have a car that meets the requirements, HyreCar allows you to rent one and get right to work. Most issues that are preventing certain cars from qualifying for Uber and Lyft are simply problems that are typical of older vehicles. Its a lot to ask of someone to make them purchase an entirely new vehicle just to pass the restrictions test. In turn, less people would drive for Uber and Lyft, which hurts both the would-be drivers and the companies themselves.

The Process

HyreCar realized the very simple solution to this problem, and the founders were shocked when they found that no one had discovered this niche market yet. HyreCar’s platform is easy to use, while still being thorough. It allows car owners to post their vehicles that are up for rental, and when drivers find one they want, they create a profile. This profile includes information such as driver’s license and social security numbers, and drivers can pay just by entering their credit card information into the platform. HyreCar’s founders believe that their screening process for drivers is even stricter than those of Uber and Lyft, checking things like criminal records, DMV records, and sex-offender databases.

Everybody Wins

Thanks to HyreCar, everybody involved benefits in some way. Cars that would otherwise be sitting in a garage or not in use somewhere are making their owners money. Those who wish to be drivers are given an easy way to fulfill that desire without buying a whole new car. Uber and Lyft have more drivers for their companies and therefore generate more business. HyreCar benefits by charging drivers that rent from them a 10% fee and car owners a 15% fee.

How ABI is Covering HyreCar

American Business Insurance is providing HyreCar with a unique insurance policy to ensure the highest level of safety for both the drivers and riders. When a driver is not driving for a ride-sharing platform but is still in possession of the rented car, they are covered by ABI’s policy that covers both the riders and drivers. When they are driving for a ride-sharing platform with the rented car, the insurance defaults to the state-mandated policy provided by the respective ride-sharing company.

As far as HyreCar is aware, they are the only car-matching service that utilizes a unique insurance policy such as the one provided by American Business Insurance. Thanks to ABI, HyreCar now has a competitive advantage that will likely continue to garner success for the company.

NEMT Insurance in Utah

Looking for NEMT Insurance in Utah?

Are you looking for a professional insurance agency that knows the ins-and-outs of Non-Emergency Medical Transportation, or NEMT Insurance, in Utah? American Business Insurance Services specializes in helping companies find and maintain the best amount of insurance. Our goal is to make sure that your business, employees, and customers are all protected without breaking the bank. We know that unlike standard automobiles, even a fender bender can create circumstances for a large claim due to the potentially fragile passengers being transported.

NEMT Services in UtahAmerican Business Insurance provides professional advice that will help you fully cover your business from all liabilities that could hurt your company. With this consultative-style approach, we are able to recommend the most comprehensive and most cost-effective NEMT insurance for your business. American Business Insurance Services, Inc. has been writing this class of business for over 35 years. Experience with NEMT coverage cannot be understated when you consider the vast requirements that apply to this type of policy. American Business Insurance currently offers NEMT insurance in Utah as well as nearly every other state in the U.S.

NEMT Insurance in Utah for Company Fleets

We all have loved ones, that at one time or another, are in need of consistent medical care. Whether they be our aging grandparents, parents, or even our in-laws, we want the best care for them. But sometimes, our lives get a bit hectic and busy. We can’t always find the time to escort our loved ones to doctor appointments and other medical treatment centers. Although, there are ways to make this process a little easier. Many families, hospitals, and doctor offices turn to Paratransit Service or Non-Emergency Medical Transportation (NEMT) providers to fill this need. The Americans with Disabilities Act of 1990, made paratransit service a daily reality for many Americans with disabilities. By providing transportation for those with disabilities, paratransit services are paramount to the well-being and mobility of thousands of Americans.

NEMT Insurance in Utah

Even for those who have loved ones nearby, it’s not always convenient or possible to be available at all hours. Non-emergency medical transportation in Utah can be very advantageous for individuals who are unable to use conventional transportation means. NEMT services in Utah have several benefits. First off, medical transportation services in Utah provide some of the safest transportation options available. Moreover, NEMT services are health-focused – which can be especially important for those with a disability or health condition, as well as the elderly.

non emergency medical transportation vehicle

As a NEMT business owner, this is where your company comes into play. If you are a NEMT agency that operates fleets in Utah, it’s especially important that you have NEMT insurance. American Business Insurance works with agencies to provide the best available coverage. Having the right NEMT insurance in Utah is essential in making sure your business and customers are covered in case of an incident.

When customers are looking to choose a paratransit service or agency to be responsible for their loved ones, they will be looking into the NEMT company to make sure their loved one is going to be safe and protected.  American Business Insurance Services, Inc. provides NEMT insurance to companies in Utah as well as nationwide, creating customized policies to best serve the client’s needs.

How to Decide on NEMT Insurance for Your Company Fleet

There are a lot of factors that go into finding the best NEMT insurance coverage for your non-emergency medical transportation’s large fleet. Therefore, prepare to answer a few questions when working with American Business Insurance to find you the best quote to match your business needs.

  • Are the majority of your trips for passengers ambulatory or non-ambulatory?
  • Does your company contract with LogistiCare or other providers with strict insurance requirements?
  • Do your vehicles have lifts or ramps?
  • Do your vehicles include backup cameras so your drivers can see whether or not someone in a low wheelchair is behind the vehicle when backing?

Insurance companies ask these questions to ensure you are fully covered under your policy. At American Business Insurance Services, Inc., we guarantee the most thorough coverage for your large fleet. Furthermore, we have trained professionals who will take care of everything, and will guide you through the process of properly insuring your NEMT fleet most efficiently!

Why You (the Paratransit service/agency) Need Full Coverage

Having proper paratransit or NEMT insurance is critical to operating a successful transportation business. The services that paratransit automobile fleets accomplish for those in need is truly life-changing and deserves insurance that is equally up to par.

Moreover, the reason you (the Paratransit service/agency) need NEMT fleet insurance is to ensure the safety and reliability of your paratransit service company, protecting your passengers and your business.

Coverage Requirements for Paratransit and NEMT Companies

It’s crucial to know exactly what’s in your NEMT coverage contract. At American Business Insurance, we examine the contract providers and the requirements that they have. For example, let’s look at LogistiCare.

  • $1,000,000 Combined Single Limit of Auto Liability Coverage
  • Hired & Non-Owned Coverage (Symbols 2,8,9)
  • Loading & Unloading Coverage
  • General Liability Coverage at $1,000,000 per incident $2,000,000 Aggregate
  • Sexual Abuse and Molestation Coverage (limits can vary by location)

There are other requirements in addition to the ones listed above. However, if you are missing any of those items on your insurance policy, LogistiCare will suspend your account. Many large Non-Emergency fleets have a long list of additional interests that have different insurance requirements.

Typically, we will ask for a copy of the provider insurance section of the contract to make absolutely sure that we’ve gotten your coverage written correctly. American Logistics, SoutheastTrans, and other NEMT providers have extremely particular requirements for coverage to protect them. Why is this? One answer: safety.

How Can American Business Insurance Services, Inc. Help?

If you have questions or are seeking further guidance, please don’t hesitate to contact us. Call us Monday – Friday, from 8 am to 5 pm PST: 800-980-1950 or email us anytime! We would love to help you get your NEMT business in Utah off the ground and paired with an insurer that’s right for you. Be sure to check out our social media: Instagram, Facebook, LinkedIn.

How to Save the MOST Money on Your Commercial Fleet Insurance Rates

ABI Transportation Experts Speak: How to Save the MOST Money on Your Commercial Fleet Insurance Rates

Written by Laura Loftus on Thursday, February 28th, 2019

 

When speaking with clients about their commercial fleet insurance, the most common concern is how to get the lowest insurance rates. About 100% of the customers I speak to daily all have the same goal – they want the lowest insurance rates available and will do whatever it takes to get it. Whether you own a Taxi, Limo, Paratransit or Shared Economy company (peer to peer platform app), it’s a given that you want your commercial fleet insurance coverage at the lowest insurance rates available. What many companies don’t realize, especially start-ups, is that commercial fleet insurance underwriters do quite a bit of digging on your company through a variety of platforms to “check you out” prior to releasing a quote. They read Yelp reviews, they look at your website, they do Better Business Bureau checks – all of it.

There are common mistakes that transportation service companies are repeatedly making that will create doubt in a commercial fleet insurance company. These mistakes actually prevent your broker from being able to find the lowest insurance rates for your company. Most of these companies think they are making business decisions that will guide them toward the lowest insurance rates, and are unaware that their current website or driver pool is actually hurting their chances of achieving the lowest possible commercial fleet insurance rate.

Five common flubs transportation service companies are making that prevent your commercial fleet insurance broker from obtaining the lowest insurance rates possible:

1) Company Website

The first and most common mistake we see from commercial auto risks who are in the “wheels” business as us underwriters call it – is that you over the amount of experience or size of your transportation service company.  It is common for commercial fleet insurance underwriters to google your company to pick apart your website. Here are some items you may think are helping your chances at obtaining the lowest insurance rates but are actually red flags to commercial fleet insurance companies:

  •  Words like “Fast Pick-up” or ‘Delivery in Minutes” – no commercial fleet insurance underwriter wants to see that you are promising rushed services. Rushing = equals unsafe driving behavior.

commercial fleet insurance

  • Advertising vehicles that are not actually part of your fleet. For example, just yesterday I was helping a 35-car fleet in Portland with obtaining commercial fleet insurance quotes. The list of vehicles they provided were all private passenger type vehicles (meaning seating capacity of 8 or less) – good! But when I searched the company online, they advertised a large shuttle bus and a higher seating capacity van. When I asked the client about this, they those vehicles had been sold and they had no plans to replace them. Keeping your website up to date and only advertising only what you can actually deliver will keep unwanted questions from creeping into the commercial fleet insurance underwriters’ mind. Creating uncertainty is the last thing you want to do with a commercial fleet insurance underwriter when trying to obtain the lowest insurance rates.
  •  Age of vehicles is important to commercial fleet insurance companies. Publishing a picture of a 30-year-old vehicle is no bueno. Keep your fleet serviced regularly (we recommend every three to four thousand miles and cycle out old units. Newer, cleaner & well-maintained vehicles are not only more desired by clientele (when trying to compete with Uber/Lyft) but also preferred by commercial fleet insurance companies trying to avoid claims due to mechanical defect.
  • If you boast 20 years of experience but your LLC was filed three years ago, it creates uncertainty with insurance companies. It’s better to accurately reflect your business as it is now, and not what you want it to be five years from now. Just as there are items to avoid putting on your website, there are points that you should include on your website. It is always a good idea to brag about highly trained drivers and safety training you provide (more on this later). Be sure to note the maintenance you keep up with for your fleet, the background checks the city you operate in mandates and the highest level of driving records required for your drivers. Commercial fleet insurance underwriters like stable fleets with safe drivers. Bottom line, safer risks translates to commercial fleet insurance underwriters offering the lowest insurance rates.

2) Creating a Business Name

This may seem simple enough but for transportation business owners looking to for the lowest insurance rates, people often think that commercial fleet insurance companies give the lowest insurance rates to Limo’s and Non-Emergency Medical risks over a taxi or airport shuttle. While this might be true, cornering yourself into a specific type of transportation in your business name narrows the list of commercial fleet insurance carriers you are eligible for. Many markets write only taxis or only limos. So, if you file your business name with the Secretary of State as Laura’s Taxi & Limo Service, LLC. – it could possibly make you ineligible for a limo commercial fleet insurance program because they don’t insure taxis and vice versa – even if your unit type meets their requirements. When talking with clients, I always say it’s best to be general about the transportation type within the name of their business, especially as market conditions change. You may be heavy in taxi trips one year but then obtain a paratransit contract and do more of that the following year. The more years of favorable loss history (loss runs) you can provide, the better chance you have at obtaining the lowest insurance rates. Choosing a business name that is general such as Laura’s Transportation Service, LLC. allows you flexibility to transform and evolve your business as the industry demands change.

3) Loss Control is Everything

Underwriters give commercial fleet insurance at the lowest insurance rates to companies with low levels of paid claims. Even in a hard insurance market, with rates rising for the good guys too, you can expect to pay more for commercial fleet insurance if you’re prior insurance companies have paid a lot in claims. Here are some suggestions in tightening loss control for your transportation service company:

  •  Hire a full-time loss control or driver manager who will enforce a safety culture. Doing this, will lower the frequency and severity of claim payouts and put your transportation service company in a better position to obtain the lowest insurance rates. This person should be in charge of overseeing the overall safety of your company. Managing and coaching your drivers is the key to a successful transportation service company. You are only as good as your worst driver.
  • commercial fleet insurance Invest in cameras that capture not only accidents but also driver analytics. This type of camera system will allow you to review driver behavior and correct bad habits before they cause an accident. We like to say this method is similar to that of a professional athlete. How do they improve? They watch their game film and correct bad habits. Driving professionally is the same. The more you do it, the more comfortable you get and having drivers watch themselves reduces risky behavior dramatically. Additionally, it’s a known fact that many commercial fleet insurance claims are paid because of he said/she said situations. Having accidents on camera is the best way to know who exactly was at fault and exonerate innocent drivers.
  •  Hold weekly safety huddles and or monthly meetings. Review the data and claims that have occurred recently and talk to your drivers about how they could have been prevented.
  •  Commit to investing in annual defensive driving training for your drivers. This annual reminder to drivers will ensure that bad habits are addressed and give each driver a time to reflect on their own performance.
  • Implement a reward program for safe drivers. Giving an incentive, even if it’s small monetary gift cards – keeps your drivers focused and motivated on safe driving habits.

4) The Driver Pool

The Driver Pool is so important when trying to achieve the lowest insurance rates from commercial fleet insurance providers for your transportation company. How you chose to manage drivers and who you hire is crucial. Create formal guidelines that clearly outline what is acceptable for employment. We recommend only hiring drivers with zero accidents within the past three years and minimal moving violations. Clean MVRs are best but we know that professional drivers with experience usually do not have clean MVRs and this is ok. Professional drivers are on the road up to 3x more than someone commuting to/from work so it’s a given that they will most likely have more violations on their records. Repeat offenders can impact the cost of your commercial fleet insurance and should be let go. No one is perfect, but you should train your drivers with the goal to be as safe as possible. Excessive violations on a driving record can cause surcharges and prevent you from obtaining the lower insurance rates. Additionally, younger drivers sometimes generate higher premiums for commercial fleet insurance as well as newly licensed individuals.

5) Contact an Experienced, Transportation Insurance Broker

commercial fleet insurance

Working with a transportation specialist versus a local agency makes a huge difference as commercial fleet insurance brokers have access to many more transportation focused insurance companies. Also, an experienced broker will review your company data prior to submitting to commercial fleet insurance companies. If they see something a commercial fleet insurance company won’t like, they can address it with you and provide you with an opportunity to make changes before submitting to each carrier. The more information you can provide to a commercial fleet insurance underwriter, the better chances you have at achieving the lowest insurance rates. Because the for-hire, livery insurance market is so thin, carriers often get multiple submissions from duplicate brokers. Try to work with one broker at a time. You may think contacting multiple agencies well help you, but if they are all going to the same markets for commercial fleet insurance – it’s duplicating not only your own work, but the insurance companies as well. The livery market is a tough class of business and finding an experienced broker will absolutely give you a leg up on finding the lowest insurance rates over a generalist broker.

American Business Insurance Services, Inc. has been working with transportation companies across the nation for 35+ years. We have direct relationships with the most competitive commercial fleet insurance companies. We know what it takes to submit a complete application and present your company in the best light possible – which will no doubt translate to finding commercial fleet insurance at the lowest insurance rate.

Looking for a quote? Click here

Autonomous Car Insurance and How it Works

How Autonomous Car Insurance Works

With technology in our society advancing at such an incredible rate, all of our cars could have minds entirely of their own within years. As a matter of fact, we are on our way there already. They are not yet available on a large scale. However, autonomous cars certainly are a reality and could eventually integrate themselves fully into our everyday lives. The question that many are asking has to do with insurance for an autonomous car. Car insurance typically protects the driver and car from mistakes that are caused by the driver. So if all cars will be completely autonomous and self-sufficient from humans, what is the point of insurance? If the car gets in an accident, who is then held responsible? In this futuristic dilemma, car insurance will work a little differently than we’re used to, but American Business Insurance is prepared to handle it.

How Do Autonomous Vehicles Work?

Essentially, autonomous vehicle manufacturers and designers will think of everything that a car needs a human for and remove those needs. For example, an autonomous car will be built with a GPS in it, so it doesn’t need a person to control navigation. Many of them also have sensors in and around them, in order to help them avoid accidents. Of course, this would typically be the job of the driver. There is also the element of augmented reality. AR is a method of getting information to the driver, such as displaying it on the windshield. This information could be directions, the speed of the car, information about the music thats playing, etc. And the vehicle is the one that has it all. The would-be driver just turns into a rider, and the car handles the rest.

Changes in Insurance

Insurance for autonomous vehicles will play a different role than insurance for a regular car. Instead of the driver or owner of the vehicle being responsible for accidents, it would likely be the manufacturer of the autonomous vehicle. Now, its rare for a malfunction of the vehicle to be the cause of an accident; they are almost always a result of human error. This could be the largest change to car insurance if and when autonomous vehicles become a norm in our society. Manufacturers being held responsible for insuring each vehicle themselves will create an expensive, long-term process before the vehicles can be safely put to use. It will also require an extensive process of making sure that many ethical issues are covered.

ABI’s Role

The idea that human-operated vehicles will be obsolete in everyday life may seem plausible only in the distant future. However, functioning autonomous cars are on their way to changing transportation forever. There are countless pros to autonomous vehicles, but insuring all vehicles so that riders are promised complete safety would be the primary con. To ease the process of insuring self-driving cars, ABI’s Insurance Services have exactly what it takes for companies to make the transition from human-driven cars to self-driven cars. With 75 years of experience in transportation network companies, ABI can make riders feel safe using new technology, and help our society continue to evolve in amazing ways. ABI has direct relationships with the insurance carriers they write policies through, allowing for great efficiency and attention to detail. But you don’t have to wait for all cars to drive themselves to achieve this kind of protection and safety; contact ABI for both large and small fleet insurance today!

Taxi Cab Insurance: The Best Coverage for the Best Price

Taxi Cab Insurance

Taxis are the go-to transportation mode for people all over the country. There are many tales about heroic cabbies coming to save the day or night. Some dub the driver’s seat of taxi cab the world’s best free theater. It is important to have great taxi cab insurance!

As many heart-warming and glorious stories out there about taxi cabs, there a few less-than desirable stories as well. That’s when taxi cab insurance by ABI comes to the rescue! We have your back no matter what.

Why Taxi Cab Insurance with ABI?

Founded in 1984, ABI Insurance services offer the experience and expertise needed in the insurance realm. With new policies and insurance guidelines coming out regularly, it is important to stay in the know about any new changes. Staying up to date in policy lingo isn’t the easiest (or most amusing) pastime – so leave it to the professionals at ABI. We are also current and up to date with the newest policies when it comes to taxi cab insurance.

ABI is also one of largest commercial transportation insurance agencies. Additionally approximately 40,000 vehicles are currently covered by ABI. You can rest assured knowing that thousands of other taxi cab owners have trusted with with insuring their vehicle or fleet. For over 35+ years we have offered top of the line customer service and knowledgeable insight into taxi cab insurance.

Furthermore, at ABI we value our client’s business and take pride in the partnerships we have curated for the past 35 years. At ABI we have designed mobile apps so you can monitor your taxi cab insurance policies anytime, anywhere. Drive confidently knowing that everything you need is at your fingertips.

Benefits of Taxi Cab Insurance from ABI:

  • Customizable to your policy needs
  • Certificate issuance available in minutes
  • Mobile apps with your policy details
  • Over 35+ years of experience
  • 40,000 vehicles insured
  • Competitive pricing

Customizable Taxi Cab Insurance

We have the experience necessary to know the field. We then pair this knowledge with top of the line technology – and we do not outsource. Our in-house programmers will work directly with you to design a custom plan to meet your individual taxi cab insurance needs. We will design a policy that covers the needs of all parties involved.

We understand the time-sensitive nature and regulatory requirements involved in operating a passenger transportation company. With a specific department dedicated to certificate issuance, we are able to have our client’s vehicles on the road within minutes of a request.

We pride ourselves on providing prompt, reliable, experienced, innovative, and competitive services and solutions to our loyal customers.

Taxi Cabs: A Brief History

The first electric taxi cab came in a fleet of 600 cars to NYC. These taxis were dubbed “hummingbirds” due to the electronic humming noise they made. The word taxicab was originally used as one work after “taximeter” the device used to keep track of distance and fare. In the 1980s computer assisted taxi cabs were dispatched to those who were in need of a cab. Nowadays passengers can order a taxi cab straight from their phone to be picked up in minutes.

Paratransit Insurance: Affordable Coverage for Your Fleet

Paratransit Insurance

Having the proper paratransit insurance is very important to your paratransit automobile or fleet. The services that paratransit automobiles accomplish for the disabled is truly life changing, and deserves insurance that is equally stellar.

You need to ensure the safety and reliability of your paratransit vehicle to protect your passengers and yourself. Paratransits are essential parts of society and provide mobility to those who would otherwise not have access. Paratransit services are custom to many different disabilities and the automobiles are equipped to serve handicapped or disabled persons in the most efficient way possible.

Paratransit Transportation

Thanks to the Americans with Disabilities Act of 1990, paratransit services are now a daily reality for many American’s with disabilities. By providing transportation for those with disabilities, paratransit services are paramount to the well-being and mobility of thousands of disabled Americans.

Veterans and the elderly are just a few of the people who utilize paratransit services. Without these versatile automobiles, short trips in the car would be impossible for many disabled persons. Paratransit services not only provide essential mobility, they also greatly improve the quality of life of many people. Thanks to paratransit services, those who would otherwise not have an accessible and mobile life, are able to find their freedom.

Paratransit Insurance at ABI Insurance Services Inc

ABI Insurance Services Inc was founded in 1984 and we offer experience and expertise in the insurance realm. ABI is one of largest commercial transportation insurance agencies.

Additionally approximately 40,000 vehicles are currently covered by ABI. For over 35+ years we have offered top of the line customer service and knowledgable insight into paratransit insurance.

Furthermore, at ABI we value our client’s business and take pride in the partnerships we have curated for the past 35 years.

At ABI we have designed mobile apps so you can monitor your paratransit insurance policies anytime, anywhere. So you can rest assured knowing that everything you need is at your fingertips.

Paratransit Insurance Catered to your Specific Needs

We have the experience necessary to know the field. We then pair this knowledge with top of the line technology. Our in-house programmers will work directly with you to design a custom plan to meet your individual paratransit insurance needs. We will design a policy that covers the intricate needs of all parties involved.

At ABI, we understand the time-sensitive nature and regulatory requirements involved in operating a passenger transportation company. With a specific department dedicated to certificate issuance, we are able to have our client’s vehicles on the road within minutes of a request.

We pride ourselves on providing prompt, reliable, experienced, innovative, and competitive services and solutions to our loyal customers.

Paratransit Services Provide:

  • Mobility to disabled
  • Access to accessible transportation
  • Freedom to go places and run errands
  • Better life quality for those who are disabled

Have More Questions about Paratransit Insurance?

Visit our contact page to learn more or speak with an agent to get all your questions answered promptly.

Ready to sign up for Paratransit Insurance?

We look forward to helping you fulfill your insurance needs. Please click here to be redirected to our sign up page.

 

 

For Hire Livery Insurance

For hire livery insurance is a special type of insurance that covers vehicles used to transport people, such as Taxis, Limos, buses, and other non-emergency transport services. American Business Insurance covers a wide variety of services, that means we cover other non-traditional services other than taxis and black cars. If you are a business owner that operates a fleet of transportation vehicles, you should consider getting coverage from American Business Insurance. Why? Because at American Business Insurance we are always thinking ahead, and we have the flexibility unlike the other large insurance corporations. That is why we are introducing special insurance coverages for drivers for Uber, Lyft, Turo, and Get Around. This shows that our business is always innovating and looking for ways to change with the industry.

Introducing Period X ™ & Period Zero ™

Period X ™ & Period Zero ™ are our brand new services tailored to for hire livery services such as Uber, Lyft, Turo and Get Around. These special coverages are similar to our other fleet insurance policies, where the coverage is on a pay-per-drive or pay-per-mile basis. American Business Insurance understands that these ride sharing services are on the rise recently, and in order to counter these changes in the industry our company needs to stay innovative to be on top of the game. One of the benefits for For Hire Livery Insurance is the collision coverage. According to the Insurance company State Farm, on average a driver files an insurance claim every 17 years, or roughly one accident per 300,000 miles you drive (based on the average American driving statistics). As a ride sharing driver you will be driving A LOT more than the average American, that means you should consider getting For Hire Livery Insurance even more than the average American.

Besides Collision coverage, our for hire livery insurance coverage includes different options such as liability protection, driver protection, and vehicle protection, and also the ability to cover your medical expenses in case of an accident. At American Business Insurance, we understand that accidents to happen, and we are here to minimize the trouble for you. If you own a car and use it for ridesharing services, you should consider using American Business Insurance’s brand new Period X ™ & Period Zero ™ plans.

Other For Hire Livery Insurance Options

If you don’t drive a Uber or Lyft, we do have other coverage that targets specific non-emergency vehicles such as buses, limos, black cars, and even trucks. Some of these services include Child Transportation, Elderly transportation, and also airport transportation services. However, many of these services have certain limitations based on the vehicle and the State that the company is operating in. At American Business Insurance, we strive to provide you with the best For Hire Livery Insurance quotes that are tailored to your specific company and your situation. Our company operates across the United States, that means we know all of the Ins and Outs of each State and its specific regulations.

In conclusion, you should consider American Business Insurance if you are in the market of For Hire Livery Insurance. Throughout the 30+ years American Business Insurance is in business, we have always strived to provide the best insurance coverage tailored to your specific company. So what are you waiting for? Go online to abiweb.com and shop around our different policies, and even if you’re not in the market for For Hire Livery Insurance policies, we have other commercial insurance policies available. Get Insured today.

How ABI is Protecting HyreCar

How ABI is Protecting Hyrecar

Ride-sharing services are taking the world of transportation by storm. Uber and Lyft are constantly relied on both by riders who need to get places efficiently, and by those who are employed by either company. However, many people are not aware that vehicles must meet certain standards in order to provide rides by Uber and Lyft. Due to these specific requirements for cars, many who desire to drive for the ride-sharing service aren’t allowed the opportunity. There was nothing they could do- until Hyrecar.

The Solution

HyreCar has arrived as the first car-matching service that works hand in hand with Uber and Lyft. The concept is simple: for those who desire to drive but don’t have a car that meets the requirements, HyreCar allows you to rent one and get right to work. Most issues that are preventing certain cars from qualifying for Uber and Lyft are simply problems that are typical of older vehicles. Its a lot to ask of someone to make them purchase an entirely new vehicle just to pass the restrictions test. In turn, less people would drive for Uber and Lyft, which hurts both the would-be drivers and the companies themselves.

The Process

HyreCar realized the very simple solution to this problem, and the founders were shocked when they found that no one had discovered this niche market yet. HyreCar’s platform is easy to use, while still being thorough. It allows car owners to post their vehicles that are up for rental, and when drivers find one they want, they create a profile. This profile includes information such as driver’s license and social security numbers, and drivers can pay just by entering their credit card information into the platform. HyreCar’s founders believe that their screening process for drivers is even stricter than those of Uber and Lyft, checking things like criminal records, DMV records, and sex-offender databases.

Everybody Wins

Thanks to HyreCar, everybody involved benefits in some way. Cars that would otherwise be sitting in a garage or not in use somewhere are making their owners money. Those who wish to be drivers are given an easy way to fulfill that desire without buying a whole new car. Uber and Lyft have more drivers for their companies and therefore generate more business. HyreCar benefits by charging drivers that rent from them a 10% fee and car owners a 15% fee.

How ABI is Covering HyreCar

American Business Insurance is providing HyreCar with a unique insurance policy to ensure the highest level of safety for both the drivers and riders. When a driver is not driving for a ride-sharing platform but is still in possession of the rented car, they are covered by ABI’s policy that covers both the riders and drivers. When they are driving for a ride-sharing platform with the rented car, the insurance defaults to the state-mandated policy provided by the respective ride-sharing company.

As far as HyreCar is aware, they are the only car-matching service that utilizes a unique insurance policy such as the one provided by American Business Insurance. Thanks to ABI, HyreCar now has a competitive advantage that will likely continue to garner success for the company.

NEMT Insurance in Utah

Looking for NEMT Insurance in Utah?

Are you looking for a professional insurance agency that knows the ins-and-outs of Non-Emergency Medical Transportation, or NEMT Insurance, in Utah? American Business Insurance Services specializes in helping companies find and maintain the best amount of insurance. Our goal is to make sure that your business, employees, and customers are all protected without breaking the bank. We know that unlike standard automobiles, even a fender bender can create circumstances for a large claim due to the potentially fragile passengers being transported.

NEMT Services in UtahAmerican Business Insurance provides professional advice that will help you fully cover your business from all liabilities that could hurt your company. With this consultative-style approach, we are able to recommend the most comprehensive and most cost-effective NEMT insurance for your business. American Business Insurance Services, Inc. has been writing this class of business for over 35 years. Experience with NEMT coverage cannot be understated when you consider the vast requirements that apply to this type of policy. American Business Insurance currently offers NEMT insurance in Utah as well as nearly every other state in the U.S.

NEMT Insurance in Utah for Company Fleets

We all have loved ones, that at one time or another, are in need of consistent medical care. Whether they be our aging grandparents, parents, or even our in-laws, we want the best care for them. But sometimes, our lives get a bit hectic and busy. We can’t always find the time to escort our loved ones to doctor appointments and other medical treatment centers. Although, there are ways to make this process a little easier. Many families, hospitals, and doctor offices turn to Paratransit Service or Non-Emergency Medical Transportation (NEMT) providers to fill this need. The Americans with Disabilities Act of 1990, made paratransit service a daily reality for many Americans with disabilities. By providing transportation for those with disabilities, paratransit services are paramount to the well-being and mobility of thousands of Americans.

NEMT Insurance in Utah

Even for those who have loved ones nearby, it’s not always convenient or possible to be available at all hours. Non-emergency medical transportation in Utah can be very advantageous for individuals who are unable to use conventional transportation means. NEMT services in Utah have several benefits. First off, medical transportation services in Utah provide some of the safest transportation options available. Moreover, NEMT services are health-focused – which can be especially important for those with a disability or health condition, as well as the elderly.

non emergency medical transportation vehicle

As a NEMT business owner, this is where your company comes into play. If you are a NEMT agency that operates fleets in Utah, it’s especially important that you have NEMT insurance. American Business Insurance works with agencies to provide the best available coverage. Having the right NEMT insurance in Utah is essential in making sure your business and customers are covered in case of an incident.

When customers are looking to choose a paratransit service or agency to be responsible for their loved ones, they will be looking into the NEMT company to make sure their loved one is going to be safe and protected.  American Business Insurance Services, Inc. provides NEMT insurance to companies in Utah as well as nationwide, creating customized policies to best serve the client’s needs.

How to Decide on NEMT Insurance for Your Company Fleet

There are a lot of factors that go into finding the best NEMT insurance coverage for your non-emergency medical transportation’s large fleet. Therefore, prepare to answer a few questions when working with American Business Insurance to find you the best quote to match your business needs.

  • Are the majority of your trips for passengers ambulatory or non-ambulatory?
  • Does your company contract with LogistiCare or other providers with strict insurance requirements?
  • Do your vehicles have lifts or ramps?
  • Do your vehicles include backup cameras so your drivers can see whether or not someone in a low wheelchair is behind the vehicle when backing?

Insurance companies ask these questions to ensure you are fully covered under your policy. At American Business Insurance Services, Inc., we guarantee the most thorough coverage for your large fleet. Furthermore, we have trained professionals who will take care of everything, and will guide you through the process of properly insuring your NEMT fleet most efficiently!

Why You (the Paratransit service/agency) Need Full Coverage

Having proper paratransit or NEMT insurance is critical to operating a successful transportation business. The services that paratransit automobile fleets accomplish for those in need is truly life-changing and deserves insurance that is equally up to par.

Moreover, the reason you (the Paratransit service/agency) need NEMT fleet insurance is to ensure the safety and reliability of your paratransit service company, protecting your passengers and your business.

Coverage Requirements for Paratransit and NEMT Companies

It’s crucial to know exactly what’s in your NEMT coverage contract. At American Business Insurance, we examine the contract providers and the requirements that they have. For example, let’s look at LogistiCare.

  • $1,000,000 Combined Single Limit of Auto Liability Coverage
  • Hired & Non-Owned Coverage (Symbols 2,8,9)
  • Loading & Unloading Coverage
  • General Liability Coverage at $1,000,000 per incident $2,000,000 Aggregate
  • Sexual Abuse and Molestation Coverage (limits can vary by location)

There are other requirements in addition to the ones listed above. However, if you are missing any of those items on your insurance policy, LogistiCare will suspend your account. Many large Non-Emergency fleets have a long list of additional interests that have different insurance requirements.

Typically, we will ask for a copy of the provider insurance section of the contract to make absolutely sure that we’ve gotten your coverage written correctly. American Logistics, SoutheastTrans, and other NEMT providers have extremely particular requirements for coverage to protect them. Why is this? One answer: safety.

How Can American Business Insurance Services, Inc. Help?

If you have questions or are seeking further guidance, please don’t hesitate to contact us. Call us Monday – Friday, from 8 am to 5 pm PST: 800-980-1950 or email us anytime! We would love to help you get your NEMT business in Utah off the ground and paired with an insurer that’s right for you. Be sure to check out our social media: Instagram, Facebook, LinkedIn.

How to Save the MOST Money on Your Commercial Fleet Insurance Rates

ABI Transportation Experts Speak: How to Save the MOST Money on Your Commercial Fleet Insurance Rates

Written by Laura Loftus on Thursday, February 28th, 2019

 

When speaking with clients about their commercial fleet insurance, the most common concern is how to get the lowest insurance rates. About 100% of the customers I speak to daily all have the same goal – they want the lowest insurance rates available and will do whatever it takes to get it. Whether you own a Taxi, Limo, Paratransit or Shared Economy company (peer to peer platform app), it’s a given that you want your commercial fleet insurance coverage at the lowest insurance rates available. What many companies don’t realize, especially start-ups, is that commercial fleet insurance underwriters do quite a bit of digging on your company through a variety of platforms to “check you out” prior to releasing a quote. They read Yelp reviews, they look at your website, they do Better Business Bureau checks – all of it.

There are common mistakes that transportation service companies are repeatedly making that will create doubt in a commercial fleet insurance company. These mistakes actually prevent your broker from being able to find the lowest insurance rates for your company. Most of these companies think they are making business decisions that will guide them toward the lowest insurance rates, and are unaware that their current website or driver pool is actually hurting their chances of achieving the lowest possible commercial fleet insurance rate.

Five common flubs transportation service companies are making that prevent your commercial fleet insurance broker from obtaining the lowest insurance rates possible:

1) Company Website

The first and most common mistake we see from commercial auto risks who are in the “wheels” business as us underwriters call it – is that you over the amount of experience or size of your transportation service company.  It is common for commercial fleet insurance underwriters to google your company to pick apart your website. Here are some items you may think are helping your chances at obtaining the lowest insurance rates but are actually red flags to commercial fleet insurance companies:

  •  Words like “Fast Pick-up” or ‘Delivery in Minutes” – no commercial fleet insurance underwriter wants to see that you are promising rushed services. Rushing = equals unsafe driving behavior.

commercial fleet insurance

  • Advertising vehicles that are not actually part of your fleet. For example, just yesterday I was helping a 35-car fleet in Portland with obtaining commercial fleet insurance quotes. The list of vehicles they provided were all private passenger type vehicles (meaning seating capacity of 8 or less) – good! But when I searched the company online, they advertised a large shuttle bus and a higher seating capacity van. When I asked the client about this, they those vehicles had been sold and they had no plans to replace them. Keeping your website up to date and only advertising only what you can actually deliver will keep unwanted questions from creeping into the commercial fleet insurance underwriters’ mind. Creating uncertainty is the last thing you want to do with a commercial fleet insurance underwriter when trying to obtain the lowest insurance rates.
  •  Age of vehicles is important to commercial fleet insurance companies. Publishing a picture of a 30-year-old vehicle is no bueno. Keep your fleet serviced regularly (we recommend every three to four thousand miles and cycle out old units. Newer, cleaner & well-maintained vehicles are not only more desired by clientele (when trying to compete with Uber/Lyft) but also preferred by commercial fleet insurance companies trying to avoid claims due to mechanical defect.
  • If you boast 20 years of experience but your LLC was filed three years ago, it creates uncertainty with insurance companies. It’s better to accurately reflect your business as it is now, and not what you want it to be five years from now. Just as there are items to avoid putting on your website, there are points that you should include on your website. It is always a good idea to brag about highly trained drivers and safety training you provide (more on this later). Be sure to note the maintenance you keep up with for your fleet, the background checks the city you operate in mandates and the highest level of driving records required for your drivers. Commercial fleet insurance underwriters like stable fleets with safe drivers. Bottom line, safer risks translates to commercial fleet insurance underwriters offering the lowest insurance rates.

2) Creating a Business Name

This may seem simple enough but for transportation business owners looking to for the lowest insurance rates, people often think that commercial fleet insurance companies give the lowest insurance rates to Limo’s and Non-Emergency Medical risks over a taxi or airport shuttle. While this might be true, cornering yourself into a specific type of transportation in your business name narrows the list of commercial fleet insurance carriers you are eligible for. Many markets write only taxis or only limos. So, if you file your business name with the Secretary of State as Laura’s Taxi & Limo Service, LLC. – it could possibly make you ineligible for a limo commercial fleet insurance program because they don’t insure taxis and vice versa – even if your unit type meets their requirements. When talking with clients, I always say it’s best to be general about the transportation type within the name of their business, especially as market conditions change. You may be heavy in taxi trips one year but then obtain a paratransit contract and do more of that the following year. The more years of favorable loss history (loss runs) you can provide, the better chance you have at obtaining the lowest insurance rates. Choosing a business name that is general such as Laura’s Transportation Service, LLC. allows you flexibility to transform and evolve your business as the industry demands change.

3) Loss Control is Everything

Underwriters give commercial fleet insurance at the lowest insurance rates to companies with low levels of paid claims. Even in a hard insurance market, with rates rising for the good guys too, you can expect to pay more for commercial fleet insurance if you’re prior insurance companies have paid a lot in claims. Here are some suggestions in tightening loss control for your transportation service company:

  •  Hire a full-time loss control or driver manager who will enforce a safety culture. Doing this, will lower the frequency and severity of claim payouts and put your transportation service company in a better position to obtain the lowest insurance rates. This person should be in charge of overseeing the overall safety of your company. Managing and coaching your drivers is the key to a successful transportation service company. You are only as good as your worst driver.
  • commercial fleet insurance Invest in cameras that capture not only accidents but also driver analytics. This type of camera system will allow you to review driver behavior and correct bad habits before they cause an accident. We like to say this method is similar to that of a professional athlete. How do they improve? They watch their game film and correct bad habits. Driving professionally is the same. The more you do it, the more comfortable you get and having drivers watch themselves reduces risky behavior dramatically. Additionally, it’s a known fact that many commercial fleet insurance claims are paid because of he said/she said situations. Having accidents on camera is the best way to know who exactly was at fault and exonerate innocent drivers.
  •  Hold weekly safety huddles and or monthly meetings. Review the data and claims that have occurred recently and talk to your drivers about how they could have been prevented.
  •  Commit to investing in annual defensive driving training for your drivers. This annual reminder to drivers will ensure that bad habits are addressed and give each driver a time to reflect on their own performance.
  • Implement a reward program for safe drivers. Giving an incentive, even if it’s small monetary gift cards – keeps your drivers focused and motivated on safe driving habits.

4) The Driver Pool

The Driver Pool is so important when trying to achieve the lowest insurance rates from commercial fleet insurance providers for your transportation company. How you chose to manage drivers and who you hire is crucial. Create formal guidelines that clearly outline what is acceptable for employment. We recommend only hiring drivers with zero accidents within the past three years and minimal moving violations. Clean MVRs are best but we know that professional drivers with experience usually do not have clean MVRs and this is ok. Professional drivers are on the road up to 3x more than someone commuting to/from work so it’s a given that they will most likely have more violations on their records. Repeat offenders can impact the cost of your commercial fleet insurance and should be let go. No one is perfect, but you should train your drivers with the goal to be as safe as possible. Excessive violations on a driving record can cause surcharges and prevent you from obtaining the lower insurance rates. Additionally, younger drivers sometimes generate higher premiums for commercial fleet insurance as well as newly licensed individuals.

5) Contact an Experienced, Transportation Insurance Broker

commercial fleet insurance

Working with a transportation specialist versus a local agency makes a huge difference as commercial fleet insurance brokers have access to many more transportation focused insurance companies. Also, an experienced broker will review your company data prior to submitting to commercial fleet insurance companies. If they see something a commercial fleet insurance company won’t like, they can address it with you and provide you with an opportunity to make changes before submitting to each carrier. The more information you can provide to a commercial fleet insurance underwriter, the better chances you have at achieving the lowest insurance rates. Because the for-hire, livery insurance market is so thin, carriers often get multiple submissions from duplicate brokers. Try to work with one broker at a time. You may think contacting multiple agencies well help you, but if they are all going to the same markets for commercial fleet insurance – it’s duplicating not only your own work, but the insurance companies as well. The livery market is a tough class of business and finding an experienced broker will absolutely give you a leg up on finding the lowest insurance rates over a generalist broker.

American Business Insurance Services, Inc. has been working with transportation companies across the nation for 35+ years. We have direct relationships with the most competitive commercial fleet insurance companies. We know what it takes to submit a complete application and present your company in the best light possible – which will no doubt translate to finding commercial fleet insurance at the lowest insurance rate.

Looking for a quote? Click here

Autonomous Car Insurance and How it Works

How Autonomous Car Insurance Works

With technology in our society advancing at such an incredible rate, all of our cars could have minds entirely of their own within years. As a matter of fact, we are on our way there already. They are not yet available on a large scale. However, autonomous cars certainly are a reality and could eventually integrate themselves fully into our everyday lives. The question that many are asking has to do with insurance for an autonomous car. Car insurance typically protects the driver and car from mistakes that are caused by the driver. So if all cars will be completely autonomous and self-sufficient from humans, what is the point of insurance? If the car gets in an accident, who is then held responsible? In this futuristic dilemma, car insurance will work a little differently than we’re used to, but American Business Insurance is prepared to handle it.

How Do Autonomous Vehicles Work?

Essentially, autonomous vehicle manufacturers and designers will think of everything that a car needs a human for and remove those needs. For example, an autonomous car will be built with a GPS in it, so it doesn’t need a person to control navigation. Many of them also have sensors in and around them, in order to help them avoid accidents. Of course, this would typically be the job of the driver. There is also the element of augmented reality. AR is a method of getting information to the driver, such as displaying it on the windshield. This information could be directions, the speed of the car, information about the music thats playing, etc. And the vehicle is the one that has it all. The would-be driver just turns into a rider, and the car handles the rest.

Changes in Insurance

Insurance for autonomous vehicles will play a different role than insurance for a regular car. Instead of the driver or owner of the vehicle being responsible for accidents, it would likely be the manufacturer of the autonomous vehicle. Now, its rare for a malfunction of the vehicle to be the cause of an accident; they are almost always a result of human error. This could be the largest change to car insurance if and when autonomous vehicles become a norm in our society. Manufacturers being held responsible for insuring each vehicle themselves will create an expensive, long-term process before the vehicles can be safely put to use. It will also require an extensive process of making sure that many ethical issues are covered.

ABI’s Role

The idea that human-operated vehicles will be obsolete in everyday life may seem plausible only in the distant future. However, functioning autonomous cars are on their way to changing transportation forever. There are countless pros to autonomous vehicles, but insuring all vehicles so that riders are promised complete safety would be the primary con. To ease the process of insuring self-driving cars, ABI’s Insurance Services have exactly what it takes for companies to make the transition from human-driven cars to self-driven cars. With 75 years of experience in transportation network companies, ABI can make riders feel safe using new technology, and help our society continue to evolve in amazing ways. ABI has direct relationships with the insurance carriers they write policies through, allowing for great efficiency and attention to detail. But you don’t have to wait for all cars to drive themselves to achieve this kind of protection and safety; contact ABI for both large and small fleet insurance today!

Taxi Cab Insurance: The Best Coverage for the Best Price

Taxi Cab Insurance

Taxis are the go-to transportation mode for people all over the country. There are many tales about heroic cabbies coming to save the day or night. Some dub the driver’s seat of taxi cab the world’s best free theater. It is important to have great taxi cab insurance!

As many heart-warming and glorious stories out there about taxi cabs, there a few less-than desirable stories as well. That’s when taxi cab insurance by ABI comes to the rescue! We have your back no matter what.

Why Taxi Cab Insurance with ABI?

Founded in 1984, ABI Insurance services offer the experience and expertise needed in the insurance realm. With new policies and insurance guidelines coming out regularly, it is important to stay in the know about any new changes. Staying up to date in policy lingo isn’t the easiest (or most amusing) pastime – so leave it to the professionals at ABI. We are also current and up to date with the newest policies when it comes to taxi cab insurance.

ABI is also one of largest commercial transportation insurance agencies. Additionally approximately 40,000 vehicles are currently covered by ABI. You can rest assured knowing that thousands of other taxi cab owners have trusted with with insuring their vehicle or fleet. For over 35+ years we have offered top of the line customer service and knowledgeable insight into taxi cab insurance.

Furthermore, at ABI we value our client’s business and take pride in the partnerships we have curated for the past 35 years. At ABI we have designed mobile apps so you can monitor your taxi cab insurance policies anytime, anywhere. Drive confidently knowing that everything you need is at your fingertips.

Benefits of Taxi Cab Insurance from ABI:

  • Customizable to your policy needs
  • Certificate issuance available in minutes
  • Mobile apps with your policy details
  • Over 35+ years of experience
  • 40,000 vehicles insured
  • Competitive pricing

Customizable Taxi Cab Insurance

We have the experience necessary to know the field. We then pair this knowledge with top of the line technology – and we do not outsource. Our in-house programmers will work directly with you to design a custom plan to meet your individual taxi cab insurance needs. We will design a policy that covers the needs of all parties involved.

We understand the time-sensitive nature and regulatory requirements involved in operating a passenger transportation company. With a specific department dedicated to certificate issuance, we are able to have our client’s vehicles on the road within minutes of a request.

We pride ourselves on providing prompt, reliable, experienced, innovative, and competitive services and solutions to our loyal customers.

Taxi Cabs: A Brief History

The first electric taxi cab came in a fleet of 600 cars to NYC. These taxis were dubbed “hummingbirds” due to the electronic humming noise they made. The word taxicab was originally used as one work after “taximeter” the device used to keep track of distance and fare. In the 1980s computer assisted taxi cabs were dispatched to those who were in need of a cab. Nowadays passengers can order a taxi cab straight from their phone to be picked up in minutes.

Paratransit Insurance: Affordable Coverage for Your Fleet

Paratransit Insurance

Having the proper paratransit insurance is very important to your paratransit automobile or fleet. The services that paratransit automobiles accomplish for the disabled is truly life changing, and deserves insurance that is equally stellar.

You need to ensure the safety and reliability of your paratransit vehicle to protect your passengers and yourself. Paratransits are essential parts of society and provide mobility to those who would otherwise not have access. Paratransit services are custom to many different disabilities and the automobiles are equipped to serve handicapped or disabled persons in the most efficient way possible.

Paratransit Transportation

Thanks to the Americans with Disabilities Act of 1990, paratransit services are now a daily reality for many American’s with disabilities. By providing transportation for those with disabilities, paratransit services are paramount to the well-being and mobility of thousands of disabled Americans.

Veterans and the elderly are just a few of the people who utilize paratransit services. Without these versatile automobiles, short trips in the car would be impossible for many disabled persons. Paratransit services not only provide essential mobility, they also greatly improve the quality of life of many people. Thanks to paratransit services, those who would otherwise not have an accessible and mobile life, are able to find their freedom.

Paratransit Insurance at ABI Insurance Services Inc

ABI Insurance Services Inc was founded in 1984 and we offer experience and expertise in the insurance realm. ABI is one of largest commercial transportation insurance agencies.

Additionally approximately 40,000 vehicles are currently covered by ABI. For over 35+ years we have offered top of the line customer service and knowledgable insight into paratransit insurance.

Furthermore, at ABI we value our client’s business and take pride in the partnerships we have curated for the past 35 years.

At ABI we have designed mobile apps so you can monitor your paratransit insurance policies anytime, anywhere. So you can rest assured knowing that everything you need is at your fingertips.

Paratransit Insurance Catered to your Specific Needs

We have the experience necessary to know the field. We then pair this knowledge with top of the line technology. Our in-house programmers will work directly with you to design a custom plan to meet your individual paratransit insurance needs. We will design a policy that covers the intricate needs of all parties involved.

At ABI, we understand the time-sensitive nature and regulatory requirements involved in operating a passenger transportation company. With a specific department dedicated to certificate issuance, we are able to have our client’s vehicles on the road within minutes of a request.

We pride ourselves on providing prompt, reliable, experienced, innovative, and competitive services and solutions to our loyal customers.

Paratransit Services Provide:

  • Mobility to disabled
  • Access to accessible transportation
  • Freedom to go places and run errands
  • Better life quality for those who are disabled

Have More Questions about Paratransit Insurance?

Visit our contact page to learn more or speak with an agent to get all your questions answered promptly.

Ready to sign up for Paratransit Insurance?

We look forward to helping you fulfill your insurance needs. Please click here to be redirected to our sign up page.

 

 

For Hire Livery Insurance

For hire livery insurance is a special type of insurance that covers vehicles used to transport people, such as Taxis, Limos, buses, and other non-emergency transport services. American Business Insurance covers a wide variety of services, that means we cover other non-traditional services other than taxis and black cars. If you are a business owner that operates a fleet of transportation vehicles, you should consider getting coverage from American Business Insurance. Why? Because at American Business Insurance we are always thinking ahead, and we have the flexibility unlike the other large insurance corporations. That is why we are introducing special insurance coverages for drivers for Uber, Lyft, Turo, and Get Around. This shows that our business is always innovating and looking for ways to change with the industry.

Introducing Period X ™ & Period Zero ™

Period X ™ & Period Zero ™ are our brand new services tailored to for hire livery services such as Uber, Lyft, Turo and Get Around. These special coverages are similar to our other fleet insurance policies, where the coverage is on a pay-per-drive or pay-per-mile basis. American Business Insurance understands that these ride sharing services are on the rise recently, and in order to counter these changes in the industry our company needs to stay innovative to be on top of the game. One of the benefits for For Hire Livery Insurance is the collision coverage. According to the Insurance company State Farm, on average a driver files an insurance claim every 17 years, or roughly one accident per 300,000 miles you drive (based on the average American driving statistics). As a ride sharing driver you will be driving A LOT more than the average American, that means you should consider getting For Hire Livery Insurance even more than the average American.

Besides Collision coverage, our for hire livery insurance coverage includes different options such as liability protection, driver protection, and vehicle protection, and also the ability to cover your medical expenses in case of an accident. At American Business Insurance, we understand that accidents to happen, and we are here to minimize the trouble for you. If you own a car and use it for ridesharing services, you should consider using American Business Insurance’s brand new Period X ™ & Period Zero ™ plans.

Other For Hire Livery Insurance Options

If you don’t drive a Uber or Lyft, we do have other coverage that targets specific non-emergency vehicles such as buses, limos, black cars, and even trucks. Some of these services include Child Transportation, Elderly transportation, and also airport transportation services. However, many of these services have certain limitations based on the vehicle and the State that the company is operating in. At American Business Insurance, we strive to provide you with the best For Hire Livery Insurance quotes that are tailored to your specific company and your situation. Our company operates across the United States, that means we know all of the Ins and Outs of each State and its specific regulations.

In conclusion, you should consider American Business Insurance if you are in the market of For Hire Livery Insurance. Throughout the 30+ years American Business Insurance is in business, we have always strived to provide the best insurance coverage tailored to your specific company. So what are you waiting for? Go online to abiweb.com and shop around our different policies, and even if you’re not in the market for For Hire Livery Insurance policies, we have other commercial insurance policies available. Get Insured today.

How ABI is Protecting HyreCar

How ABI is Protecting Hyrecar

Ride-sharing services are taking the world of transportation by storm. Uber and Lyft are constantly relied on both by riders who need to get places efficiently, and by those who are employed by either company. However, many people are not aware that vehicles must meet certain standards in order to provide rides by Uber and Lyft. Due to these specific requirements for cars, many who desire to drive for the ride-sharing service aren’t allowed the opportunity. There was nothing they could do- until Hyrecar.

The Solution

HyreCar has arrived as the first car-matching service that works hand in hand with Uber and Lyft. The concept is simple: for those who desire to drive but don’t have a car that meets the requirements, HyreCar allows you to rent one and get right to work. Most issues that are preventing certain cars from qualifying for Uber and Lyft are simply problems that are typical of older vehicles. Its a lot to ask of someone to make them purchase an entirely new vehicle just to pass the restrictions test. In turn, less people would drive for Uber and Lyft, which hurts both the would-be drivers and the companies themselves.

The Process

HyreCar realized the very simple solution to this problem, and the founders were shocked when they found that no one had discovered this niche market yet. HyreCar’s platform is easy to use, while still being thorough. It allows car owners to post their vehicles that are up for rental, and when drivers find one they want, they create a profile. This profile includes information such as driver’s license and social security numbers, and drivers can pay just by entering their credit card information into the platform. HyreCar’s founders believe that their screening process for drivers is even stricter than those of Uber and Lyft, checking things like criminal records, DMV records, and sex-offender databases.

Everybody Wins

Thanks to HyreCar, everybody involved benefits in some way. Cars that would otherwise be sitting in a garage or not in use somewhere are making their owners money. Those who wish to be drivers are given an easy way to fulfill that desire without buying a whole new car. Uber and Lyft have more drivers for their companies and therefore generate more business. HyreCar benefits by charging drivers that rent from them a 10% fee and car owners a 15% fee.

How ABI is Covering HyreCar

American Business Insurance is providing HyreCar with a unique insurance policy to ensure the highest level of safety for both the drivers and riders. When a driver is not driving for a ride-sharing platform but is still in possession of the rented car, they are covered by ABI’s policy that covers both the riders and drivers. When they are driving for a ride-sharing platform with the rented car, the insurance defaults to the state-mandated policy provided by the respective ride-sharing company.

As far as HyreCar is aware, they are the only car-matching service that utilizes a unique insurance policy such as the one provided by American Business Insurance. Thanks to ABI, HyreCar now has a competitive advantage that will likely continue to garner success for the company.

NEMT Insurance in Utah

Looking for NEMT Insurance in Utah?

Are you looking for a professional insurance agency that knows the ins-and-outs of Non-Emergency Medical Transportation, or NEMT Insurance, in Utah? American Business Insurance Services specializes in helping companies find and maintain the best amount of insurance. Our goal is to make sure that your business, employees, and customers are all protected without breaking the bank. We know that unlike standard automobiles, even a fender bender can create circumstances for a large claim due to the potentially fragile passengers being transported.

NEMT Services in UtahAmerican Business Insurance provides professional advice that will help you fully cover your business from all liabilities that could hurt your company. With this consultative-style approach, we are able to recommend the most comprehensive and most cost-effective NEMT insurance for your business. American Business Insurance Services, Inc. has been writing this class of business for over 35 years. Experience with NEMT coverage cannot be understated when you consider the vast requirements that apply to this type of policy. American Business Insurance currently offers NEMT insurance in Utah as well as nearly every other state in the U.S.

NEMT Insurance in Utah for Company Fleets

We all have loved ones, that at one time or another, are in need of consistent medical care. Whether they be our aging grandparents, parents, or even our in-laws, we want the best care for them. But sometimes, our lives get a bit hectic and busy. We can’t always find the time to escort our loved ones to doctor appointments and other medical treatment centers. Although, there are ways to make this process a little easier. Many families, hospitals, and doctor offices turn to Paratransit Service or Non-Emergency Medical Transportation (NEMT) providers to fill this need. The Americans with Disabilities Act of 1990, made paratransit service a daily reality for many Americans with disabilities. By providing transportation for those with disabilities, paratransit services are paramount to the well-being and mobility of thousands of Americans.

NEMT Insurance in Utah

Even for those who have loved ones nearby, it’s not always convenient or possible to be available at all hours. Non-emergency medical transportation in Utah can be very advantageous for individuals who are unable to use conventional transportation means. NEMT services in Utah have several benefits. First off, medical transportation services in Utah provide some of the safest transportation options available. Moreover, NEMT services are health-focused – which can be especially important for those with a disability or health condition, as well as the elderly.

non emergency medical transportation vehicle

As a NEMT business owner, this is where your company comes into play. If you are a NEMT agency that operates fleets in Utah, it’s especially important that you have NEMT insurance. American Business Insurance works with agencies to provide the best available coverage. Having the right NEMT insurance in Utah is essential in making sure your business and customers are covered in case of an incident.

When customers are looking to choose a paratransit service or agency to be responsible for their loved ones, they will be looking into the NEMT company to make sure their loved one is going to be safe and protected.  American Business Insurance Services, Inc. provides NEMT insurance to companies in Utah as well as nationwide, creating customized policies to best serve the client’s needs.

How to Decide on NEMT Insurance for Your Company Fleet

There are a lot of factors that go into finding the best NEMT insurance coverage for your non-emergency medical transportation’s large fleet. Therefore, prepare to answer a few questions when working with American Business Insurance to find you the best quote to match your business needs.

  • Are the majority of your trips for passengers ambulatory or non-ambulatory?
  • Does your company contract with LogistiCare or other providers with strict insurance requirements?
  • Do your vehicles have lifts or ramps?
  • Do your vehicles include backup cameras so your drivers can see whether or not someone in a low wheelchair is behind the vehicle when backing?

Insurance companies ask these questions to ensure you are fully covered under your policy. At American Business Insurance Services, Inc., we guarantee the most thorough coverage for your large fleet. Furthermore, we have trained professionals who will take care of everything, and will guide you through the process of properly insuring your NEMT fleet most efficiently!

Why You (the Paratransit service/agency) Need Full Coverage

Having proper paratransit or NEMT insurance is critical to operating a successful transportation business. The services that paratransit automobile fleets accomplish for those in need is truly life-changing and deserves insurance that is equally up to par.

Moreover, the reason you (the Paratransit service/agency) need NEMT fleet insurance is to ensure the safety and reliability of your paratransit service company, protecting your passengers and your business.

Coverage Requirements for Paratransit and NEMT Companies

It’s crucial to know exactly what’s in your NEMT coverage contract. At American Business Insurance, we examine the contract providers and the requirements that they have. For example, let’s look at LogistiCare.

  • $1,000,000 Combined Single Limit of Auto Liability Coverage
  • Hired & Non-Owned Coverage (Symbols 2,8,9)
  • Loading & Unloading Coverage
  • General Liability Coverage at $1,000,000 per incident $2,000,000 Aggregate
  • Sexual Abuse and Molestation Coverage (limits can vary by location)

There are other requirements in addition to the ones listed above. However, if you are missing any of those items on your insurance policy, LogistiCare will suspend your account. Many large Non-Emergency fleets have a long list of additional interests that have different insurance requirements.

Typically, we will ask for a copy of the provider insurance section of the contract to make absolutely sure that we’ve gotten your coverage written correctly. American Logistics, SoutheastTrans, and other NEMT providers have extremely particular requirements for coverage to protect them. Why is this? One answer: safety.

How Can American Business Insurance Services, Inc. Help?

If you have questions or are seeking further guidance, please don’t hesitate to contact us. Call us Monday – Friday, from 8 am to 5 pm PST: 800-980-1950 or email us anytime! We would love to help you get your NEMT business in Utah off the ground and paired with an insurer that’s right for you. Be sure to check out our social media: Instagram, Facebook, LinkedIn.

How to Save the MOST Money on Your Commercial Fleet Insurance Rates

ABI Transportation Experts Speak: How to Save the MOST Money on Your Commercial Fleet Insurance Rates

Written by Laura Loftus on Thursday, February 28th, 2019

 

When speaking with clients about their commercial fleet insurance, the most common concern is how to get the lowest insurance rates. About 100% of the customers I speak to daily all have the same goal – they want the lowest insurance rates available and will do whatever it takes to get it. Whether you own a Taxi, Limo, Paratransit or Shared Economy company (peer to peer platform app), it’s a given that you want your commercial fleet insurance coverage at the lowest insurance rates available. What many companies don’t realize, especially start-ups, is that commercial fleet insurance underwriters do quite a bit of digging on your company through a variety of platforms to “check you out” prior to releasing a quote. They read Yelp reviews, they look at your website, they do Better Business Bureau checks – all of it.

There are common mistakes that transportation service companies are repeatedly making that will create doubt in a commercial fleet insurance company. These mistakes actually prevent your broker from being able to find the lowest insurance rates for your company. Most of these companies think they are making business decisions that will guide them toward the lowest insurance rates, and are unaware that their current website or driver pool is actually hurting their chances of achieving the lowest possible commercial fleet insurance rate.

Five common flubs transportation service companies are making that prevent your commercial fleet insurance broker from obtaining the lowest insurance rates possible:

1) Company Website

The first and most common mistake we see from commercial auto risks who are in the “wheels” business as us underwriters call it – is that you over the amount of experience or size of your transportation service company.  It is common for commercial fleet insurance underwriters to google your company to pick apart your website. Here are some items you may think are helping your chances at obtaining the lowest insurance rates but are actually red flags to commercial fleet insurance companies:

  •  Words like “Fast Pick-up” or ‘Delivery in Minutes” – no commercial fleet insurance underwriter wants to see that you are promising rushed services. Rushing = equals unsafe driving behavior.

commercial fleet insurance

  • Advertising vehicles that are not actually part of your fleet. For example, just yesterday I was helping a 35-car fleet in Portland with obtaining commercial fleet insurance quotes. The list of vehicles they provided were all private passenger type vehicles (meaning seating capacity of 8 or less) – good! But when I searched the company online, they advertised a large shuttle bus and a higher seating capacity van. When I asked the client about this, they those vehicles had been sold and they had no plans to replace them. Keeping your website up to date and only advertising only what you can actually deliver will keep unwanted questions from creeping into the commercial fleet insurance underwriters’ mind. Creating uncertainty is the last thing you want to do with a commercial fleet insurance underwriter when trying to obtain the lowest insurance rates.
  •  Age of vehicles is important to commercial fleet insurance companies. Publishing a picture of a 30-year-old vehicle is no bueno. Keep your fleet serviced regularly (we recommend every three to four thousand miles and cycle out old units. Newer, cleaner & well-maintained vehicles are not only more desired by clientele (when trying to compete with Uber/Lyft) but also preferred by commercial fleet insurance companies trying to avoid claims due to mechanical defect.
  • If you boast 20 years of experience but your LLC was filed three years ago, it creates uncertainty with insurance companies. It’s better to accurately reflect your business as it is now, and not what you want it to be five years from now. Just as there are items to avoid putting on your website, there are points that you should include on your website. It is always a good idea to brag about highly trained drivers and safety training you provide (more on this later). Be sure to note the maintenance you keep up with for your fleet, the background checks the city you operate in mandates and the highest level of driving records required for your drivers. Commercial fleet insurance underwriters like stable fleets with safe drivers. Bottom line, safer risks translates to commercial fleet insurance underwriters offering the lowest insurance rates.

2) Creating a Business Name

This may seem simple enough but for transportation business owners looking to for the lowest insurance rates, people often think that commercial fleet insurance companies give the lowest insurance rates to Limo’s and Non-Emergency Medical risks over a taxi or airport shuttle. While this might be true, cornering yourself into a specific type of transportation in your business name narrows the list of commercial fleet insurance carriers you are eligible for. Many markets write only taxis or only limos. So, if you file your business name with the Secretary of State as Laura’s Taxi & Limo Service, LLC. – it could possibly make you ineligible for a limo commercial fleet insurance program because they don’t insure taxis and vice versa – even if your unit type meets their requirements. When talking with clients, I always say it’s best to be general about the transportation type within the name of their business, especially as market conditions change. You may be heavy in taxi trips one year but then obtain a paratransit contract and do more of that the following year. The more years of favorable loss history (loss runs) you can provide, the better chance you have at obtaining the lowest insurance rates. Choosing a business name that is general such as Laura’s Transportation Service, LLC. allows you flexibility to transform and evolve your business as the industry demands change.

3) Loss Control is Everything

Underwriters give commercial fleet insurance at the lowest insurance rates to companies with low levels of paid claims. Even in a hard insurance market, with rates rising for the good guys too, you can expect to pay more for commercial fleet insurance if you’re prior insurance companies have paid a lot in claims. Here are some suggestions in tightening loss control for your transportation service company:

  •  Hire a full-time loss control or driver manager who will enforce a safety culture. Doing this, will lower the frequency and severity of claim payouts and put your transportation service company in a better position to obtain the lowest insurance rates. This person should be in charge of overseeing the overall safety of your company. Managing and coaching your drivers is the key to a successful transportation service company. You are only as good as your worst driver.
  • commercial fleet insurance Invest in cameras that capture not only accidents but also driver analytics. This type of camera system will allow you to review driver behavior and correct bad habits before they cause an accident. We like to say this method is similar to that of a professional athlete. How do they improve? They watch their game film and correct bad habits. Driving professionally is the same. The more you do it, the more comfortable you get and having drivers watch themselves reduces risky behavior dramatically. Additionally, it’s a known fact that many commercial fleet insurance claims are paid because of he said/she said situations. Having accidents on camera is the best way to know who exactly was at fault and exonerate innocent drivers.
  •  Hold weekly safety huddles and or monthly meetings. Review the data and claims that have occurred recently and talk to your drivers about how they could have been prevented.
  •  Commit to investing in annual defensive driving training for your drivers. This annual reminder to drivers will ensure that bad habits are addressed and give each driver a time to reflect on their own performance.
  • Implement a reward program for safe drivers. Giving an incentive, even if it’s small monetary gift cards – keeps your drivers focused and motivated on safe driving habits.

4) The Driver Pool

The Driver Pool is so important when trying to achieve the lowest insurance rates from commercial fleet insurance providers for your transportation company. How you chose to manage drivers and who you hire is crucial. Create formal guidelines that clearly outline what is acceptable for employment. We recommend only hiring drivers with zero accidents within the past three years and minimal moving violations. Clean MVRs are best but we know that professional drivers with experience usually do not have clean MVRs and this is ok. Professional drivers are on the road up to 3x more than someone commuting to/from work so it’s a given that they will most likely have more violations on their records. Repeat offenders can impact the cost of your commercial fleet insurance and should be let go. No one is perfect, but you should train your drivers with the goal to be as safe as possible. Excessive violations on a driving record can cause surcharges and prevent you from obtaining the lower insurance rates. Additionally, younger drivers sometimes generate higher premiums for commercial fleet insurance as well as newly licensed individuals.

5) Contact an Experienced, Transportation Insurance Broker

commercial fleet insurance

Working with a transportation specialist versus a local agency makes a huge difference as commercial fleet insurance brokers have access to many more transportation focused insurance companies. Also, an experienced broker will review your company data prior to submitting to commercial fleet insurance companies. If they see something a commercial fleet insurance company won’t like, they can address it with you and provide you with an opportunity to make changes before submitting to each carrier. The more information you can provide to a commercial fleet insurance underwriter, the better chances you have at achieving the lowest insurance rates. Because the for-hire, livery insurance market is so thin, carriers often get multiple submissions from duplicate brokers. Try to work with one broker at a time. You may think contacting multiple agencies well help you, but if they are all going to the same markets for commercial fleet insurance – it’s duplicating not only your own work, but the insurance companies as well. The livery market is a tough class of business and finding an experienced broker will absolutely give you a leg up on finding the lowest insurance rates over a generalist broker.

American Business Insurance Services, Inc. has been working with transportation companies across the nation for 35+ years. We have direct relationships with the most competitive commercial fleet insurance companies. We know what it takes to submit a complete application and present your company in the best light possible – which will no doubt translate to finding commercial fleet insurance at the lowest insurance rate.

Looking for a quote? Click here

Autonomous Car Insurance and How it Works

How Autonomous Car Insurance Works

With technology in our society advancing at such an incredible rate, all of our cars could have minds entirely of their own within years. As a matter of fact, we are on our way there already. They are not yet available on a large scale. However, autonomous cars certainly are a reality and could eventually integrate themselves fully into our everyday lives. The question that many are asking has to do with insurance for an autonomous car. Car insurance typically protects the driver and car from mistakes that are caused by the driver. So if all cars will be completely autonomous and self-sufficient from humans, what is the point of insurance? If the car gets in an accident, who is then held responsible? In this futuristic dilemma, car insurance will work a little differently than we’re used to, but American Business Insurance is prepared to handle it.

How Do Autonomous Vehicles Work?

Essentially, autonomous vehicle manufacturers and designers will think of everything that a car needs a human for and remove those needs. For example, an autonomous car will be built with a GPS in it, so it doesn’t need a person to control navigation. Many of them also have sensors in and around them, in order to help them avoid accidents. Of course, this would typically be the job of the driver. There is also the element of augmented reality. AR is a method of getting information to the driver, such as displaying it on the windshield. This information could be directions, the speed of the car, information about the music thats playing, etc. And the vehicle is the one that has it all. The would-be driver just turns into a rider, and the car handles the rest.

Changes in Insurance

Insurance for autonomous vehicles will play a different role than insurance for a regular car. Instead of the driver or owner of the vehicle being responsible for accidents, it would likely be the manufacturer of the autonomous vehicle. Now, its rare for a malfunction of the vehicle to be the cause of an accident; they are almost always a result of human error. This could be the largest change to car insurance if and when autonomous vehicles become a norm in our society. Manufacturers being held responsible for insuring each vehicle themselves will create an expensive, long-term process before the vehicles can be safely put to use. It will also require an extensive process of making sure that many ethical issues are covered.

ABI’s Role

The idea that human-operated vehicles will be obsolete in everyday life may seem plausible only in the distant future. However, functioning autonomous cars are on their way to changing transportation forever. There are countless pros to autonomous vehicles, but insuring all vehicles so that riders are promised complete safety would be the primary con. To ease the process of insuring self-driving cars, ABI’s Insurance Services have exactly what it takes for companies to make the transition from human-driven cars to self-driven cars. With 75 years of experience in transportation network companies, ABI can make riders feel safe using new technology, and help our society continue to evolve in amazing ways. ABI has direct relationships with the insurance carriers they write policies through, allowing for great efficiency and attention to detail. But you don’t have to wait for all cars to drive themselves to achieve this kind of protection and safety; contact ABI for both large and small fleet insurance today!

Taxi Cab Insurance: The Best Coverage for the Best Price

Taxi Cab Insurance

Taxis are the go-to transportation mode for people all over the country. There are many tales about heroic cabbies coming to save the day or night. Some dub the driver’s seat of taxi cab the world’s best free theater. It is important to have great taxi cab insurance!

As many heart-warming and glorious stories out there about taxi cabs, there a few less-than desirable stories as well. That’s when taxi cab insurance by ABI comes to the rescue! We have your back no matter what.

Why Taxi Cab Insurance with ABI?

Founded in 1984, ABI Insurance services offer the experience and expertise needed in the insurance realm. With new policies and insurance guidelines coming out regularly, it is important to stay in the know about any new changes. Staying up to date in policy lingo isn’t the easiest (or most amusing) pastime – so leave it to the professionals at ABI. We are also current and up to date with the newest policies when it comes to taxi cab insurance.

ABI is also one of largest commercial transportation insurance agencies. Additionally approximately 40,000 vehicles are currently covered by ABI. You can rest assured knowing that thousands of other taxi cab owners have trusted with with insuring their vehicle or fleet. For over 35+ years we have offered top of the line customer service and knowledgeable insight into taxi cab insurance.

Furthermore, at ABI we value our client’s business and take pride in the partnerships we have curated for the past 35 years. At ABI we have designed mobile apps so you can monitor your taxi cab insurance policies anytime, anywhere. Drive confidently knowing that everything you need is at your fingertips.

Benefits of Taxi Cab Insurance from ABI:

  • Customizable to your policy needs
  • Certificate issuance available in minutes
  • Mobile apps with your policy details
  • Over 35+ years of experience
  • 40,000 vehicles insured
  • Competitive pricing

Customizable Taxi Cab Insurance

We have the experience necessary to know the field. We then pair this knowledge with top of the line technology – and we do not outsource. Our in-house programmers will work directly with you to design a custom plan to meet your individual taxi cab insurance needs. We will design a policy that covers the needs of all parties involved.

We understand the time-sensitive nature and regulatory requirements involved in operating a passenger transportation company. With a specific department dedicated to certificate issuance, we are able to have our client’s vehicles on the road within minutes of a request.

We pride ourselves on providing prompt, reliable, experienced, innovative, and competitive services and solutions to our loyal customers.

Taxi Cabs: A Brief History

The first electric taxi cab came in a fleet of 600 cars to NYC. These taxis were dubbed “hummingbirds” due to the electronic humming noise they made. The word taxicab was originally used as one work after “taximeter” the device used to keep track of distance and fare. In the 1980s computer assisted taxi cabs were dispatched to those who were in need of a cab. Nowadays passengers can order a taxi cab straight from their phone to be picked up in minutes.

Paratransit Insurance: Affordable Coverage for Your Fleet

Paratransit Insurance

Having the proper paratransit insurance is very important to your paratransit automobile or fleet. The services that paratransit automobiles accomplish for the disabled is truly life changing, and deserves insurance that is equally stellar.

You need to ensure the safety and reliability of your paratransit vehicle to protect your passengers and yourself. Paratransits are essential parts of society and provide mobility to those who would otherwise not have access. Paratransit services are custom to many different disabilities and the automobiles are equipped to serve handicapped or disabled persons in the most efficient way possible.

Paratransit Transportation

Thanks to the Americans with Disabilities Act of 1990, paratransit services are now a daily reality for many American’s with disabilities. By providing transportation for those with disabilities, paratransit services are paramount to the well-being and mobility of thousands of disabled Americans.

Veterans and the elderly are just a few of the people who utilize paratransit services. Without these versatile automobiles, short trips in the car would be impossible for many disabled persons. Paratransit services not only provide essential mobility, they also greatly improve the quality of life of many people. Thanks to paratransit services, those who would otherwise not have an accessible and mobile life, are able to find their freedom.

Paratransit Insurance at ABI Insurance Services Inc

ABI Insurance Services Inc was founded in 1984 and we offer experience and expertise in the insurance realm. ABI is one of largest commercial transportation insurance agencies.

Additionally approximately 40,000 vehicles are currently covered by ABI. For over 35+ years we have offered top of the line customer service and knowledgable insight into paratransit insurance.

Furthermore, at ABI we value our client’s business and take pride in the partnerships we have curated for the past 35 years.

At ABI we have designed mobile apps so you can monitor your paratransit insurance policies anytime, anywhere. So you can rest assured knowing that everything you need is at your fingertips.

Paratransit Insurance Catered to your Specific Needs

We have the experience necessary to know the field. We then pair this knowledge with top of the line technology. Our in-house programmers will work directly with you to design a custom plan to meet your individual paratransit insurance needs. We will design a policy that covers the intricate needs of all parties involved.

At ABI, we understand the time-sensitive nature and regulatory requirements involved in operating a passenger transportation company. With a specific department dedicated to certificate issuance, we are able to have our client’s vehicles on the road within minutes of a request.

We pride ourselves on providing prompt, reliable, experienced, innovative, and competitive services and solutions to our loyal customers.

Paratransit Services Provide:

  • Mobility to disabled
  • Access to accessible transportation
  • Freedom to go places and run errands
  • Better life quality for those who are disabled

Have More Questions about Paratransit Insurance?

Visit our contact page to learn more or speak with an agent to get all your questions answered promptly.

Ready to sign up for Paratransit Insurance?

We look forward to helping you fulfill your insurance needs. Please click here to be redirected to our sign up page.

 

 

For Hire Livery Insurance

For hire livery insurance is a special type of insurance that covers vehicles used to transport people, such as Taxis, Limos, buses, and other non-emergency transport services. American Business Insurance covers a wide variety of services, that means we cover other non-traditional services other than taxis and black cars. If you are a business owner that operates a fleet of transportation vehicles, you should consider getting coverage from American Business Insurance. Why? Because at American Business Insurance we are always thinking ahead, and we have the flexibility unlike the other large insurance corporations. That is why we are introducing special insurance coverages for drivers for Uber, Lyft, Turo, and Get Around. This shows that our business is always innovating and looking for ways to change with the industry.

Introducing Period X ™ & Period Zero ™

Period X ™ & Period Zero ™ are our brand new services tailored to for hire livery services such as Uber, Lyft, Turo and Get Around. These special coverages are similar to our other fleet insurance policies, where the coverage is on a pay-per-drive or pay-per-mile basis. American Business Insurance understands that these ride sharing services are on the rise recently, and in order to counter these changes in the industry our company needs to stay innovative to be on top of the game. One of the benefits for For Hire Livery Insurance is the collision coverage. According to the Insurance company State Farm, on average a driver files an insurance claim every 17 years, or roughly one accident per 300,000 miles you drive (based on the average American driving statistics). As a ride sharing driver you will be driving A LOT more than the average American, that means you should consider getting For Hire Livery Insurance even more than the average American.

Besides Collision coverage, our for hire livery insurance coverage includes different options such as liability protection, driver protection, and vehicle protection, and also the ability to cover your medical expenses in case of an accident. At American Business Insurance, we understand that accidents to happen, and we are here to minimize the trouble for you. If you own a car and use it for ridesharing services, you should consider using American Business Insurance’s brand new Period X ™ & Period Zero ™ plans.

Other For Hire Livery Insurance Options

If you don’t drive a Uber or Lyft, we do have other coverage that targets specific non-emergency vehicles such as buses, limos, black cars, and even trucks. Some of these services include Child Transportation, Elderly transportation, and also airport transportation services. However, many of these services have certain limitations based on the vehicle and the State that the company is operating in. At American Business Insurance, we strive to provide you with the best For Hire Livery Insurance quotes that are tailored to your specific company and your situation. Our company operates across the United States, that means we know all of the Ins and Outs of each State and its specific regulations.

In conclusion, you should consider American Business Insurance if you are in the market of For Hire Livery Insurance. Throughout the 30+ years American Business Insurance is in business, we have always strived to provide the best insurance coverage tailored to your specific company. So what are you waiting for? Go online to abiweb.com and shop around our different policies, and even if you’re not in the market for For Hire Livery Insurance policies, we have other commercial insurance policies available. Get Insured today.

How ABI is Protecting HyreCar

How ABI is Protecting Hyrecar

Ride-sharing services are taking the world of transportation by storm. Uber and Lyft are constantly relied on both by riders who need to get places efficiently, and by those who are employed by either company. However, many people are not aware that vehicles must meet certain standards in order to provide rides by Uber and Lyft. Due to these specific requirements for cars, many who desire to drive for the ride-sharing service aren’t allowed the opportunity. There was nothing they could do- until Hyrecar.

The Solution

HyreCar has arrived as the first car-matching service that works hand in hand with Uber and Lyft. The concept is simple: for those who desire to drive but don’t have a car that meets the requirements, HyreCar allows you to rent one and get right to work. Most issues that are preventing certain cars from qualifying for Uber and Lyft are simply problems that are typical of older vehicles. Its a lot to ask of someone to make them purchase an entirely new vehicle just to pass the restrictions test. In turn, less people would drive for Uber and Lyft, which hurts both the would-be drivers and the companies themselves.

The Process

HyreCar realized the very simple solution to this problem, and the founders were shocked when they found that no one had discovered this niche market yet. HyreCar’s platform is easy to use, while still being thorough. It allows car owners to post their vehicles that are up for rental, and when drivers find one they want, they create a profile. This profile includes information such as driver’s license and social security numbers, and drivers can pay just by entering their credit card information into the platform. HyreCar’s founders believe that their screening process for drivers is even stricter than those of Uber and Lyft, checking things like criminal records, DMV records, and sex-offender databases.

Everybody Wins

Thanks to HyreCar, everybody involved benefits in some way. Cars that would otherwise be sitting in a garage or not in use somewhere are making their owners money. Those who wish to be drivers are given an easy way to fulfill that desire without buying a whole new car. Uber and Lyft have more drivers for their companies and therefore generate more business. HyreCar benefits by charging drivers that rent from them a 10% fee and car owners a 15% fee.

How ABI is Covering HyreCar

American Business Insurance is providing HyreCar with a unique insurance policy to ensure the highest level of safety for both the drivers and riders. When a driver is not driving for a ride-sharing platform but is still in possession of the rented car, they are covered by ABI’s policy that covers both the riders and drivers. When they are driving for a ride-sharing platform with the rented car, the insurance defaults to the state-mandated policy provided by the respective ride-sharing company.

As far as HyreCar is aware, they are the only car-matching service that utilizes a unique insurance policy such as the one provided by American Business Insurance. Thanks to ABI, HyreCar now has a competitive advantage that will likely continue to garner success for the company.

NEMT Insurance in Utah

Looking for NEMT Insurance in Utah?

Are you looking for a professional insurance agency that knows the ins-and-outs of Non-Emergency Medical Transportation, or NEMT Insurance, in Utah? American Business Insurance Services specializes in helping companies find and maintain the best amount of insurance. Our goal is to make sure that your business, employees, and customers are all protected without breaking the bank. We know that unlike standard automobiles, even a fender bender can create circumstances for a large claim due to the potentially fragile passengers being transported.

NEMT Services in UtahAmerican Business Insurance provides professional advice that will help you fully cover your business from all liabilities that could hurt your company. With this consultative-style approach, we are able to recommend the most comprehensive and most cost-effective NEMT insurance for your business. American Business Insurance Services, Inc. has been writing this class of business for over 35 years. Experience with NEMT coverage cannot be understated when you consider the vast requirements that apply to this type of policy. American Business Insurance currently offers NEMT insurance in Utah as well as nearly every other state in the U.S.

NEMT Insurance in Utah for Company Fleets

We all have loved ones, that at one time or another, are in need of consistent medical care. Whether they be our aging grandparents, parents, or even our in-laws, we want the best care for them. But sometimes, our lives get a bit hectic and busy. We can’t always find the time to escort our loved ones to doctor appointments and other medical treatment centers. Although, there are ways to make this process a little easier. Many families, hospitals, and doctor offices turn to Paratransit Service or Non-Emergency Medical Transportation (NEMT) providers to fill this need. The Americans with Disabilities Act of 1990, made paratransit service a daily reality for many Americans with disabilities. By providing transportation for those with disabilities, paratransit services are paramount to the well-being and mobility of thousands of Americans.

NEMT Insurance in Utah

Even for those who have loved ones nearby, it’s not always convenient or possible to be available at all hours. Non-emergency medical transportation in Utah can be very advantageous for individuals who are unable to use conventional transportation means. NEMT services in Utah have several benefits. First off, medical transportation services in Utah provide some of the safest transportation options available. Moreover, NEMT services are health-focused – which can be especially important for those with a disability or health condition, as well as the elderly.

non emergency medical transportation vehicle

As a NEMT business owner, this is where your company comes into play. If you are a NEMT agency that operates fleets in Utah, it’s especially important that you have NEMT insurance. American Business Insurance works with agencies to provide the best available coverage. Having the right NEMT insurance in Utah is essential in making sure your business and customers are covered in case of an incident.

When customers are looking to choose a paratransit service or agency to be responsible for their loved ones, they will be looking into the NEMT company to make sure their loved one is going to be safe and protected.  American Business Insurance Services, Inc. provides NEMT insurance to companies in Utah as well as nationwide, creating customized policies to best serve the client’s needs.

How to Decide on NEMT Insurance for Your Company Fleet

There are a lot of factors that go into finding the best NEMT insurance coverage for your non-emergency medical transportation’s large fleet. Therefore, prepare to answer a few questions when working with American Business Insurance to find you the best quote to match your business needs.

  • Are the majority of your trips for passengers ambulatory or non-ambulatory?
  • Does your company contract with LogistiCare or other providers with strict insurance requirements?
  • Do your vehicles have lifts or ramps?
  • Do your vehicles include backup cameras so your drivers can see whether or not someone in a low wheelchair is behind the vehicle when backing?

Insurance companies ask these questions to ensure you are fully covered under your policy. At American Business Insurance Services, Inc., we guarantee the most thorough coverage for your large fleet. Furthermore, we have trained professionals who will take care of everything, and will guide you through the process of properly insuring your NEMT fleet most efficiently!

Why You (the Paratransit service/agency) Need Full Coverage

Having proper paratransit or NEMT insurance is critical to operating a successful transportation business. The services that paratransit automobile fleets accomplish for those in need is truly life-changing and deserves insurance that is equally up to par.

Moreover, the reason you (the Paratransit service/agency) need NEMT fleet insurance is to ensure the safety and reliability of your paratransit service company, protecting your passengers and your business.

Coverage Requirements for Paratransit and NEMT Companies

It’s crucial to know exactly what’s in your NEMT coverage contract. At American Business Insurance, we examine the contract providers and the requirements that they have. For example, let’s look at LogistiCare.

  • $1,000,000 Combined Single Limit of Auto Liability Coverage
  • Hired & Non-Owned Coverage (Symbols 2,8,9)
  • Loading & Unloading Coverage
  • General Liability Coverage at $1,000,000 per incident $2,000,000 Aggregate
  • Sexual Abuse and Molestation Coverage (limits can vary by location)

There are other requirements in addition to the ones listed above. However, if you are missing any of those items on your insurance policy, LogistiCare will suspend your account. Many large Non-Emergency fleets have a long list of additional interests that have different insurance requirements.

Typically, we will ask for a copy of the provider insurance section of the contract to make absolutely sure that we’ve gotten your coverage written correctly. American Logistics, SoutheastTrans, and other NEMT providers have extremely particular requirements for coverage to protect them. Why is this? One answer: safety.

How Can American Business Insurance Services, Inc. Help?

If you have questions or are seeking further guidance, please don’t hesitate to contact us. Call us Monday – Friday, from 8 am to 5 pm PST: 800-980-1950 or email us anytime! We would love to help you get your NEMT business in Utah off the ground and paired with an insurer that’s right for you. Be sure to check out our social media: Instagram, Facebook, LinkedIn.

How to Save the MOST Money on Your Commercial Fleet Insurance Rates

ABI Transportation Experts Speak: How to Save the MOST Money on Your Commercial Fleet Insurance Rates

Written by Laura Loftus on Thursday, February 28th, 2019

 

When speaking with clients about their commercial fleet insurance, the most common concern is how to get the lowest insurance rates. About 100% of the customers I speak to daily all have the same goal – they want the lowest insurance rates available and will do whatever it takes to get it. Whether you own a Taxi, Limo, Paratransit or Shared Economy company (peer to peer platform app), it’s a given that you want your commercial fleet insurance coverage at the lowest insurance rates available. What many companies don’t realize, especially start-ups, is that commercial fleet insurance underwriters do quite a bit of digging on your company through a variety of platforms to “check you out” prior to releasing a quote. They read Yelp reviews, they look at your website, they do Better Business Bureau checks – all of it.

There are common mistakes that transportation service companies are repeatedly making that will create doubt in a commercial fleet insurance company. These mistakes actually prevent your broker from being able to find the lowest insurance rates for your company. Most of these companies think they are making business decisions that will guide them toward the lowest insurance rates, and are unaware that their current website or driver pool is actually hurting their chances of achieving the lowest possible commercial fleet insurance rate.

Five common flubs transportation service companies are making that prevent your commercial fleet insurance broker from obtaining the lowest insurance rates possible:

1) Company Website

The first and most common mistake we see from commercial auto risks who are in the “wheels” business as us underwriters call it – is that you over the amount of experience or size of your transportation service company.  It is common for commercial fleet insurance underwriters to google your company to pick apart your website. Here are some items you may think are helping your chances at obtaining the lowest insurance rates but are actually red flags to commercial fleet insurance companies:

  •  Words like “Fast Pick-up” or ‘Delivery in Minutes” – no commercial fleet insurance underwriter wants to see that you are promising rushed services. Rushing = equals unsafe driving behavior.

commercial fleet insurance

  • Advertising vehicles that are not actually part of your fleet. For example, just yesterday I was helping a 35-car fleet in Portland with obtaining commercial fleet insurance quotes. The list of vehicles they provided were all private passenger type vehicles (meaning seating capacity of 8 or less) – good! But when I searched the company online, they advertised a large shuttle bus and a higher seating capacity van. When I asked the client about this, they those vehicles had been sold and they had no plans to replace them. Keeping your website up to date and only advertising only what you can actually deliver will keep unwanted questions from creeping into the commercial fleet insurance underwriters’ mind. Creating uncertainty is the last thing you want to do with a commercial fleet insurance underwriter when trying to obtain the lowest insurance rates.
  •  Age of vehicles is important to commercial fleet insurance companies. Publishing a picture of a 30-year-old vehicle is no bueno. Keep your fleet serviced regularly (we recommend every three to four thousand miles and cycle out old units. Newer, cleaner & well-maintained vehicles are not only more desired by clientele (when trying to compete with Uber/Lyft) but also preferred by commercial fleet insurance companies trying to avoid claims due to mechanical defect.
  • If you boast 20 years of experience but your LLC was filed three years ago, it creates uncertainty with insurance companies. It’s better to accurately reflect your business as it is now, and not what you want it to be five years from now. Just as there are items to avoid putting on your website, there are points that you should include on your website. It is always a good idea to brag about highly trained drivers and safety training you provide (more on this later). Be sure to note the maintenance you keep up with for your fleet, the background checks the city you operate in mandates and the highest level of driving records required for your drivers. Commercial fleet insurance underwriters like stable fleets with safe drivers. Bottom line, safer risks translates to commercial fleet insurance underwriters offering the lowest insurance rates.

2) Creating a Business Name

This may seem simple enough but for transportation business owners looking to for the lowest insurance rates, people often think that commercial fleet insurance companies give the lowest insurance rates to Limo’s and Non-Emergency Medical risks over a taxi or airport shuttle. While this might be true, cornering yourself into a specific type of transportation in your business name narrows the list of commercial fleet insurance carriers you are eligible for. Many markets write only taxis or only limos. So, if you file your business name with the Secretary of State as Laura’s Taxi & Limo Service, LLC. – it could possibly make you ineligible for a limo commercial fleet insurance program because they don’t insure taxis and vice versa – even if your unit type meets their requirements. When talking with clients, I always say it’s best to be general about the transportation type within the name of their business, especially as market conditions change. You may be heavy in taxi trips one year but then obtain a paratransit contract and do more of that the following year. The more years of favorable loss history (loss runs) you can provide, the better chance you have at obtaining the lowest insurance rates. Choosing a business name that is general such as Laura’s Transportation Service, LLC. allows you flexibility to transform and evolve your business as the industry demands change.

3) Loss Control is Everything

Underwriters give commercial fleet insurance at the lowest insurance rates to companies with low levels of paid claims. Even in a hard insurance market, with rates rising for the good guys too, you can expect to pay more for commercial fleet insurance if you’re prior insurance companies have paid a lot in claims. Here are some suggestions in tightening loss control for your transportation service company:

  •  Hire a full-time loss control or driver manager who will enforce a safety culture. Doing this, will lower the frequency and severity of claim payouts and put your transportation service company in a better position to obtain the lowest insurance rates. This person should be in charge of overseeing the overall safety of your company. Managing and coaching your drivers is the key to a successful transportation service company. You are only as good as your worst driver.
  • commercial fleet insurance Invest in cameras that capture not only accidents but also driver analytics. This type of camera system will allow you to review driver behavior and correct bad habits before they cause an accident. We like to say this method is similar to that of a professional athlete. How do they improve? They watch their game film and correct bad habits. Driving professionally is the same. The more you do it, the more comfortable you get and having drivers watch themselves reduces risky behavior dramatically. Additionally, it’s a known fact that many commercial fleet insurance claims are paid because of he said/she said situations. Having accidents on camera is the best way to know who exactly was at fault and exonerate innocent drivers.
  •  Hold weekly safety huddles and or monthly meetings. Review the data and claims that have occurred recently and talk to your drivers about how they could have been prevented.
  •  Commit to investing in annual defensive driving training for your drivers. This annual reminder to drivers will ensure that bad habits are addressed and give each driver a time to reflect on their own performance.
  • Implement a reward program for safe drivers. Giving an incentive, even if it’s small monetary gift cards – keeps your drivers focused and motivated on safe driving habits.

4) The Driver Pool

The Driver Pool is so important when trying to achieve the lowest insurance rates from commercial fleet insurance providers for your transportation company. How you chose to manage drivers and who you hire is crucial. Create formal guidelines that clearly outline what is acceptable for employment. We recommend only hiring drivers with zero accidents within the past three years and minimal moving violations. Clean MVRs are best but we know that professional drivers with experience usually do not have clean MVRs and this is ok. Professional drivers are on the road up to 3x more than someone commuting to/from work so it’s a given that they will most likely have more violations on their records. Repeat offenders can impact the cost of your commercial fleet insurance and should be let go. No one is perfect, but you should train your drivers with the goal to be as safe as possible. Excessive violations on a driving record can cause surcharges and prevent you from obtaining the lower insurance rates. Additionally, younger drivers sometimes generate higher premiums for commercial fleet insurance as well as newly licensed individuals.

5) Contact an Experienced, Transportation Insurance Broker

commercial fleet insurance

Working with a transportation specialist versus a local agency makes a huge difference as commercial fleet insurance brokers have access to many more transportation focused insurance companies. Also, an experienced broker will review your company data prior to submitting to commercial fleet insurance companies. If they see something a commercial fleet insurance company won’t like, they can address it with you and provide you with an opportunity to make changes before submitting to each carrier. The more information you can provide to a commercial fleet insurance underwriter, the better chances you have at achieving the lowest insurance rates. Because the for-hire, livery insurance market is so thin, carriers often get multiple submissions from duplicate brokers. Try to work with one broker at a time. You may think contacting multiple agencies well help you, but if they are all going to the same markets for commercial fleet insurance – it’s duplicating not only your own work, but the insurance companies as well. The livery market is a tough class of business and finding an experienced broker will absolutely give you a leg up on finding the lowest insurance rates over a generalist broker.

American Business Insurance Services, Inc. has been working with transportation companies across the nation for 35+ years. We have direct relationships with the most competitive commercial fleet insurance companies. We know what it takes to submit a complete application and present your company in the best light possible – which will no doubt translate to finding commercial fleet insurance at the lowest insurance rate.

Looking for a quote? Click here

Autonomous Car Insurance and How it Works

How Autonomous Car Insurance Works

With technology in our society advancing at such an incredible rate, all of our cars could have minds entirely of their own within years. As a matter of fact, we are on our way there already. They are not yet available on a large scale. However, autonomous cars certainly are a reality and could eventually integrate themselves fully into our everyday lives. The question that many are asking has to do with insurance for an autonomous car. Car insurance typically protects the driver and car from mistakes that are caused by the driver. So if all cars will be completely autonomous and self-sufficient from humans, what is the point of insurance? If the car gets in an accident, who is then held responsible? In this futuristic dilemma, car insurance will work a little differently than we’re used to, but American Business Insurance is prepared to handle it.

How Do Autonomous Vehicles Work?

Essentially, autonomous vehicle manufacturers and designers will think of everything that a car needs a human for and remove those needs. For example, an autonomous car will be built with a GPS in it, so it doesn’t need a person to control navigation. Many of them also have sensors in and around them, in order to help them avoid accidents. Of course, this would typically be the job of the driver. There is also the element of augmented reality. AR is a method of getting information to the driver, such as displaying it on the windshield. This information could be directions, the speed of the car, information about the music thats playing, etc. And the vehicle is the one that has it all. The would-be driver just turns into a rider, and the car handles the rest.

Changes in Insurance

Insurance for autonomous vehicles will play a different role than insurance for a regular car. Instead of the driver or owner of the vehicle being responsible for accidents, it would likely be the manufacturer of the autonomous vehicle. Now, its rare for a malfunction of the vehicle to be the cause of an accident; they are almost always a result of human error. This could be the largest change to car insurance if and when autonomous vehicles become a norm in our society. Manufacturers being held responsible for insuring each vehicle themselves will create an expensive, long-term process before the vehicles can be safely put to use. It will also require an extensive process of making sure that many ethical issues are covered.

ABI’s Role

The idea that human-operated vehicles will be obsolete in everyday life may seem plausible only in the distant future. However, functioning autonomous cars are on their way to changing transportation forever. There are countless pros to autonomous vehicles, but insuring all vehicles so that riders are promised complete safety would be the primary con. To ease the process of insuring self-driving cars, ABI’s Insurance Services have exactly what it takes for companies to make the transition from human-driven cars to self-driven cars. With 75 years of experience in transportation network companies, ABI can make riders feel safe using new technology, and help our society continue to evolve in amazing ways. ABI has direct relationships with the insurance carriers they write policies through, allowing for great efficiency and attention to detail. But you don’t have to wait for all cars to drive themselves to achieve this kind of protection and safety; contact ABI for both large and small fleet insurance today!

Taxi Cab Insurance: The Best Coverage for the Best Price

Taxi Cab Insurance

Taxis are the go-to transportation mode for people all over the country. There are many tales about heroic cabbies coming to save the day or night. Some dub the driver’s seat of taxi cab the world’s best free theater. It is important to have great taxi cab insurance!

As many heart-warming and glorious stories out there about taxi cabs, there a few less-than desirable stories as well. That’s when taxi cab insurance by ABI comes to the rescue! We have your back no matter what.

Why Taxi Cab Insurance with ABI?

Founded in 1984, ABI Insurance services offer the experience and expertise needed in the insurance realm. With new policies and insurance guidelines coming out regularly, it is important to stay in the know about any new changes. Staying up to date in policy lingo isn’t the easiest (or most amusing) pastime – so leave it to the professionals at ABI. We are also current and up to date with the newest policies when it comes to taxi cab insurance.

ABI is also one of largest commercial transportation insurance agencies. Additionally approximately 40,000 vehicles are currently covered by ABI. You can rest assured knowing that thousands of other taxi cab owners have trusted with with insuring their vehicle or fleet. For over 35+ years we have offered top of the line customer service and knowledgeable insight into taxi cab insurance.

Furthermore, at ABI we value our client’s business and take pride in the partnerships we have curated for the past 35 years. At ABI we have designed mobile apps so you can monitor your taxi cab insurance policies anytime, anywhere. Drive confidently knowing that everything you need is at your fingertips.

Benefits of Taxi Cab Insurance from ABI:

  • Customizable to your policy needs
  • Certificate issuance available in minutes
  • Mobile apps with your policy details
  • Over 35+ years of experience
  • 40,000 vehicles insured
  • Competitive pricing

Customizable Taxi Cab Insurance

We have the experience necessary to know the field. We then pair this knowledge with top of the line technology – and we do not outsource. Our in-house programmers will work directly with you to design a custom plan to meet your individual taxi cab insurance needs. We will design a policy that covers the needs of all parties involved.

We understand the time-sensitive nature and regulatory requirements involved in operating a passenger transportation company. With a specific department dedicated to certificate issuance, we are able to have our client’s vehicles on the road within minutes of a request.

We pride ourselves on providing prompt, reliable, experienced, innovative, and competitive services and solutions to our loyal customers.

Taxi Cabs: A Brief History

The first electric taxi cab came in a fleet of 600 cars to NYC. These taxis were dubbed “hummingbirds” due to the electronic humming noise they made. The word taxicab was originally used as one work after “taximeter” the device used to keep track of distance and fare. In the 1980s computer assisted taxi cabs were dispatched to those who were in need of a cab. Nowadays passengers can order a taxi cab straight from their phone to be picked up in minutes.

Paratransit Insurance: Affordable Coverage for Your Fleet

Paratransit Insurance

Having the proper paratransit insurance is very important to your paratransit automobile or fleet. The services that paratransit automobiles accomplish for the disabled is truly life changing, and deserves insurance that is equally stellar.

You need to ensure the safety and reliability of your paratransit vehicle to protect your passengers and yourself. Paratransits are essential parts of society and provide mobility to those who would otherwise not have access. Paratransit services are custom to many different disabilities and the automobiles are equipped to serve handicapped or disabled persons in the most efficient way possible.

Paratransit Transportation

Thanks to the Americans with Disabilities Act of 1990, paratransit services are now a daily reality for many American’s with disabilities. By providing transportation for those with disabilities, paratransit services are paramount to the well-being and mobility of thousands of disabled Americans.

Veterans and the elderly are just a few of the people who utilize paratransit services. Without these versatile automobiles, short trips in the car would be impossible for many disabled persons. Paratransit services not only provide essential mobility, they also greatly improve the quality of life of many people. Thanks to paratransit services, those who would otherwise not have an accessible and mobile life, are able to find their freedom.

Paratransit Insurance at ABI Insurance Services Inc

ABI Insurance Services Inc was founded in 1984 and we offer experience and expertise in the insurance realm. ABI is one of largest commercial transportation insurance agencies.

Additionally approximately 40,000 vehicles are currently covered by ABI. For over 35+ years we have offered top of the line customer service and knowledgable insight into paratransit insurance.

Furthermore, at ABI we value our client’s business and take pride in the partnerships we have curated for the past 35 years.

At ABI we have designed mobile apps so you can monitor your paratransit insurance policies anytime, anywhere. So you can rest assured knowing that everything you need is at your fingertips.

Paratransit Insurance Catered to your Specific Needs

We have the experience necessary to know the field. We then pair this knowledge with top of the line technology. Our in-house programmers will work directly with you to design a custom plan to meet your individual paratransit insurance needs. We will design a policy that covers the intricate needs of all parties involved.

At ABI, we understand the time-sensitive nature and regulatory requirements involved in operating a passenger transportation company. With a specific department dedicated to certificate issuance, we are able to have our client’s vehicles on the road within minutes of a request.

We pride ourselves on providing prompt, reliable, experienced, innovative, and competitive services and solutions to our loyal customers.

Paratransit Services Provide:

  • Mobility to disabled
  • Access to accessible transportation
  • Freedom to go places and run errands
  • Better life quality for those who are disabled

Have More Questions about Paratransit Insurance?

Visit our contact page to learn more or speak with an agent to get all your questions answered promptly.

Ready to sign up for Paratransit Insurance?

We look forward to helping you fulfill your insurance needs. Please click here to be redirected to our sign up page.

 

 

For Hire Livery Insurance

For hire livery insurance is a special type of insurance that covers vehicles used to transport people, such as Taxis, Limos, buses, and other non-emergency transport services. American Business Insurance covers a wide variety of services, that means we cover other non-traditional services other than taxis and black cars. If you are a business owner that operates a fleet of transportation vehicles, you should consider getting coverage from American Business Insurance. Why? Because at American Business Insurance we are always thinking ahead, and we have the flexibility unlike the other large insurance corporations. That is why we are introducing special insurance coverages for drivers for Uber, Lyft, Turo, and Get Around. This shows that our business is always innovating and looking for ways to change with the industry.

Introducing Period X ™ & Period Zero ™

Period X ™ & Period Zero ™ are our brand new services tailored to for hire livery services such as Uber, Lyft, Turo and Get Around. These special coverages are similar to our other fleet insurance policies, where the coverage is on a pay-per-drive or pay-per-mile basis. American Business Insurance understands that these ride sharing services are on the rise recently, and in order to counter these changes in the industry our company needs to stay innovative to be on top of the game. One of the benefits for For Hire Livery Insurance is the collision coverage. According to the Insurance company State Farm, on average a driver files an insurance claim every 17 years, or roughly one accident per 300,000 miles you drive (based on the average American driving statistics). As a ride sharing driver you will be driving A LOT more than the average American, that means you should consider getting For Hire Livery Insurance even more than the average American.

Besides Collision coverage, our for hire livery insurance coverage includes different options such as liability protection, driver protection, and vehicle protection, and also the ability to cover your medical expenses in case of an accident. At American Business Insurance, we understand that accidents to happen, and we are here to minimize the trouble for you. If you own a car and use it for ridesharing services, you should consider using American Business Insurance’s brand new Period X ™ & Period Zero ™ plans.

Other For Hire Livery Insurance Options

If you don’t drive a Uber or Lyft, we do have other coverage that targets specific non-emergency vehicles such as buses, limos, black cars, and even trucks. Some of these services include Child Transportation, Elderly transportation, and also airport transportation services. However, many of these services have certain limitations based on the vehicle and the State that the company is operating in. At American Business Insurance, we strive to provide you with the best For Hire Livery Insurance quotes that are tailored to your specific company and your situation. Our company operates across the United States, that means we know all of the Ins and Outs of each State and its specific regulations.

In conclusion, you should consider American Business Insurance if you are in the market of For Hire Livery Insurance. Throughout the 30+ years American Business Insurance is in business, we have always strived to provide the best insurance coverage tailored to your specific company. So what are you waiting for? Go online to abiweb.com and shop around our different policies, and even if you’re not in the market for For Hire Livery Insurance policies, we have other commercial insurance policies available. Get Insured today.

How ABI is Protecting HyreCar

How ABI is Protecting Hyrecar

Ride-sharing services are taking the world of transportation by storm. Uber and Lyft are constantly relied on both by riders who need to get places efficiently, and by those who are employed by either company. However, many people are not aware that vehicles must meet certain standards in order to provide rides by Uber and Lyft. Due to these specific requirements for cars, many who desire to drive for the ride-sharing service aren’t allowed the opportunity. There was nothing they could do- until Hyrecar.

The Solution

HyreCar has arrived as the first car-matching service that works hand in hand with Uber and Lyft. The concept is simple: for those who desire to drive but don’t have a car that meets the requirements, HyreCar allows you to rent one and get right to work. Most issues that are preventing certain cars from qualifying for Uber and Lyft are simply problems that are typical of older vehicles. Its a lot to ask of someone to make them purchase an entirely new vehicle just to pass the restrictions test. In turn, less people would drive for Uber and Lyft, which hurts both the would-be drivers and the companies themselves.

The Process

HyreCar realized the very simple solution to this problem, and the founders were shocked when they found that no one had discovered this niche market yet. HyreCar’s platform is easy to use, while still being thorough. It allows car owners to post their vehicles that are up for rental, and when drivers find one they want, they create a profile. This profile includes information such as driver’s license and social security numbers, and drivers can pay just by entering their credit card information into the platform. HyreCar’s founders believe that their screening process for drivers is even stricter than those of Uber and Lyft, checking things like criminal records, DMV records, and sex-offender databases.

Everybody Wins

Thanks to HyreCar, everybody involved benefits in some way. Cars that would otherwise be sitting in a garage or not in use somewhere are making their owners money. Those who wish to be drivers are given an easy way to fulfill that desire without buying a whole new car. Uber and Lyft have more drivers for their companies and therefore generate more business. HyreCar benefits by charging drivers that rent from them a 10% fee and car owners a 15% fee.

How ABI is Covering HyreCar

American Business Insurance is providing HyreCar with a unique insurance policy to ensure the highest level of safety for both the drivers and riders. When a driver is not driving for a ride-sharing platform but is still in possession of the rented car, they are covered by ABI’s policy that covers both the riders and drivers. When they are driving for a ride-sharing platform with the rented car, the insurance defaults to the state-mandated policy provided by the respective ride-sharing company.

As far as HyreCar is aware, they are the only car-matching service that utilizes a unique insurance policy such as the one provided by American Business Insurance. Thanks to ABI, HyreCar now has a competitive advantage that will likely continue to garner success for the company.

NEMT Insurance in Utah

Looking for NEMT Insurance in Utah?

Are you looking for a professional insurance agency that knows the ins-and-outs of Non-Emergency Medical Transportation, or NEMT Insurance, in Utah? American Business Insurance Services specializes in helping companies find and maintain the best amount of insurance. Our goal is to make sure that your business, employees, and customers are all protected without breaking the bank. We know that unlike standard automobiles, even a fender bender can create circumstances for a large claim due to the potentially fragile passengers being transported.

NEMT Services in UtahAmerican Business Insurance provides professional advice that will help you fully cover your business from all liabilities that could hurt your company. With this consultative-style approach, we are able to recommend the most comprehensive and most cost-effective NEMT insurance for your business. American Business Insurance Services, Inc. has been writing this class of business for over 35 years. Experience with NEMT coverage cannot be understated when you consider the vast requirements that apply to this type of policy. American Business Insurance currently offers NEMT insurance in Utah as well as nearly every other state in the U.S.

NEMT Insurance in Utah for Company Fleets

We all have loved ones, that at one time or another, are in need of consistent medical care. Whether they be our aging grandparents, parents, or even our in-laws, we want the best care for them. But sometimes, our lives get a bit hectic and busy. We can’t always find the time to escort our loved ones to doctor appointments and other medical treatment centers. Although, there are ways to make this process a little easier. Many families, hospitals, and doctor offices turn to Paratransit Service or Non-Emergency Medical Transportation (NEMT) providers to fill this need. The Americans with Disabilities Act of 1990, made paratransit service a daily reality for many Americans with disabilities. By providing transportation for those with disabilities, paratransit services are paramount to the well-being and mobility of thousands of Americans.

NEMT Insurance in Utah

Even for those who have loved ones nearby, it’s not always convenient or possible to be available at all hours. Non-emergency medical transportation in Utah can be very advantageous for individuals who are unable to use conventional transportation means. NEMT services in Utah have several benefits. First off, medical transportation services in Utah provide some of the safest transportation options available. Moreover, NEMT services are health-focused – which can be especially important for those with a disability or health condition, as well as the elderly.

non emergency medical transportation vehicle

As a NEMT business owner, this is where your company comes into play. If you are a NEMT agency that operates fleets in Utah, it’s especially important that you have NEMT insurance. American Business Insurance works with agencies to provide the best available coverage. Having the right NEMT insurance in Utah is essential in making sure your business and customers are covered in case of an incident.

When customers are looking to choose a paratransit service or agency to be responsible for their loved ones, they will be looking into the NEMT company to make sure their loved one is going to be safe and protected.  American Business Insurance Services, Inc. provides NEMT insurance to companies in Utah as well as nationwide, creating customized policies to best serve the client’s needs.

How to Decide on NEMT Insurance for Your Company Fleet

There are a lot of factors that go into finding the best NEMT insurance coverage for your non-emergency medical transportation’s large fleet. Therefore, prepare to answer a few questions when working with American Business Insurance to find you the best quote to match your business needs.

  • Are the majority of your trips for passengers ambulatory or non-ambulatory?
  • Does your company contract with LogistiCare or other providers with strict insurance requirements?
  • Do your vehicles have lifts or ramps?
  • Do your vehicles include backup cameras so your drivers can see whether or not someone in a low wheelchair is behind the vehicle when backing?

Insurance companies ask these questions to ensure you are fully covered under your policy. At American Business Insurance Services, Inc., we guarantee the most thorough coverage for your large fleet. Furthermore, we have trained professionals who will take care of everything, and will guide you through the process of properly insuring your NEMT fleet most efficiently!

Why You (the Paratransit service/agency) Need Full Coverage

Having proper paratransit or NEMT insurance is critical to operating a successful transportation business. The services that paratransit automobile fleets accomplish for those in need is truly life-changing and deserves insurance that is equally up to par.

Moreover, the reason you (the Paratransit service/agency) need NEMT fleet insurance is to ensure the safety and reliability of your paratransit service company, protecting your passengers and your business.

Coverage Requirements for Paratransit and NEMT Companies

It’s crucial to know exactly what’s in your NEMT coverage contract. At American Business Insurance, we examine the contract providers and the requirements that they have. For example, let’s look at LogistiCare.

  • $1,000,000 Combined Single Limit of Auto Liability Coverage
  • Hired & Non-Owned Coverage (Symbols 2,8,9)
  • Loading & Unloading Coverage
  • General Liability Coverage at $1,000,000 per incident $2,000,000 Aggregate
  • Sexual Abuse and Molestation Coverage (limits can vary by location)

There are other requirements in addition to the ones listed above. However, if you are missing any of those items on your insurance policy, LogistiCare will suspend your account. Many large Non-Emergency fleets have a long list of additional interests that have different insurance requirements.

Typically, we will ask for a copy of the provider insurance section of the contract to make absolutely sure that we’ve gotten your coverage written correctly. American Logistics, SoutheastTrans, and other NEMT providers have extremely particular requirements for coverage to protect them. Why is this? One answer: safety.

How Can American Business Insurance Services, Inc. Help?

If you have questions or are seeking further guidance, please don’t hesitate to contact us. Call us Monday – Friday, from 8 am to 5 pm PST: 800-980-1950 or email us anytime! We would love to help you get your NEMT business in Utah off the ground and paired with an insurer that’s right for you. Be sure to check out our social media: Instagram, Facebook, LinkedIn.

How to Save the MOST Money on Your Commercial Fleet Insurance Rates

ABI Transportation Experts Speak: How to Save the MOST Money on Your Commercial Fleet Insurance Rates

Written by Laura Loftus on Thursday, February 28th, 2019

 

When speaking with clients about their commercial fleet insurance, the most common concern is how to get the lowest insurance rates. About 100% of the customers I speak to daily all have the same goal – they want the lowest insurance rates available and will do whatever it takes to get it. Whether you own a Taxi, Limo, Paratransit or Shared Economy company (peer to peer platform app), it’s a given that you want your commercial fleet insurance coverage at the lowest insurance rates available. What many companies don’t realize, especially start-ups, is that commercial fleet insurance underwriters do quite a bit of digging on your company through a variety of platforms to “check you out” prior to releasing a quote. They read Yelp reviews, they look at your website, they do Better Business Bureau checks – all of it.

There are common mistakes that transportation service companies are repeatedly making that will create doubt in a commercial fleet insurance company. These mistakes actually prevent your broker from being able to find the lowest insurance rates for your company. Most of these companies think they are making business decisions that will guide them toward the lowest insurance rates, and are unaware that their current website or driver pool is actually hurting their chances of achieving the lowest possible commercial fleet insurance rate.

Five common flubs transportation service companies are making that prevent your commercial fleet insurance broker from obtaining the lowest insurance rates possible:

1) Company Website

The first and most common mistake we see from commercial auto risks who are in the “wheels” business as us underwriters call it – is that you over the amount of experience or size of your transportation service company.  It is common for commercial fleet insurance underwriters to google your company to pick apart your website. Here are some items you may think are helping your chances at obtaining the lowest insurance rates but are actually red flags to commercial fleet insurance companies:

  •  Words like “Fast Pick-up” or ‘Delivery in Minutes” – no commercial fleet insurance underwriter wants to see that you are promising rushed services. Rushing = equals unsafe driving behavior.

commercial fleet insurance

  • Advertising vehicles that are not actually part of your fleet. For example, just yesterday I was helping a 35-car fleet in Portland with obtaining commercial fleet insurance quotes. The list of vehicles they provided were all private passenger type vehicles (meaning seating capacity of 8 or less) – good! But when I searched the company online, they advertised a large shuttle bus and a higher seating capacity van. When I asked the client about this, they those vehicles had been sold and they had no plans to replace them. Keeping your website up to date and only advertising only what you can actually deliver will keep unwanted questions from creeping into the commercial fleet insurance underwriters’ mind. Creating uncertainty is the last thing you want to do with a commercial fleet insurance underwriter when trying to obtain the lowest insurance rates.
  •  Age of vehicles is important to commercial fleet insurance companies. Publishing a picture of a 30-year-old vehicle is no bueno. Keep your fleet serviced regularly (we recommend every three to four thousand miles and cycle out old units. Newer, cleaner & well-maintained vehicles are not only more desired by clientele (when trying to compete with Uber/Lyft) but also preferred by commercial fleet insurance companies trying to avoid claims due to mechanical defect.
  • If you boast 20 years of experience but your LLC was filed three years ago, it creates uncertainty with insurance companies. It’s better to accurately reflect your business as it is now, and not what you want it to be five years from now. Just as there are items to avoid putting on your website, there are points that you should include on your website. It is always a good idea to brag about highly trained drivers and safety training you provide (more on this later). Be sure to note the maintenance you keep up with for your fleet, the background checks the city you operate in mandates and the highest level of driving records required for your drivers. Commercial fleet insurance underwriters like stable fleets with safe drivers. Bottom line, safer risks translates to commercial fleet insurance underwriters offering the lowest insurance rates.

2) Creating a Business Name

This may seem simple enough but for transportation business owners looking to for the lowest insurance rates, people often think that commercial fleet insurance companies give the lowest insurance rates to Limo’s and Non-Emergency Medical risks over a taxi or airport shuttle. While this might be true, cornering yourself into a specific type of transportation in your business name narrows the list of commercial fleet insurance carriers you are eligible for. Many markets write only taxis or only limos. So, if you file your business name with the Secretary of State as Laura’s Taxi & Limo Service, LLC. – it could possibly make you ineligible for a limo commercial fleet insurance program because they don’t insure taxis and vice versa – even if your unit type meets their requirements. When talking with clients, I always say it’s best to be general about the transportation type within the name of their business, especially as market conditions change. You may be heavy in taxi trips one year but then obtain a paratransit contract and do more of that the following year. The more years of favorable loss history (loss runs) you can provide, the better chance you have at obtaining the lowest insurance rates. Choosing a business name that is general such as Laura’s Transportation Service, LLC. allows you flexibility to transform and evolve your business as the industry demands change.

3) Loss Control is Everything

Underwriters give commercial fleet insurance at the lowest insurance rates to companies with low levels of paid claims. Even in a hard insurance market, with rates rising for the good guys too, you can expect to pay more for commercial fleet insurance if you’re prior insurance companies have paid a lot in claims. Here are some suggestions in tightening loss control for your transportation service company:

  •  Hire a full-time loss control or driver manager who will enforce a safety culture. Doing this, will lower the frequency and severity of claim payouts and put your transportation service company in a better position to obtain the lowest insurance rates. This person should be in charge of overseeing the overall safety of your company. Managing and coaching your drivers is the key to a successful transportation service company. You are only as good as your worst driver.
  • commercial fleet insurance Invest in cameras that capture not only accidents but also driver analytics. This type of camera system will allow you to review driver behavior and correct bad habits before they cause an accident. We like to say this method is similar to that of a professional athlete. How do they improve? They watch their game film and correct bad habits. Driving professionally is the same. The more you do it, the more comfortable you get and having drivers watch themselves reduces risky behavior dramatically. Additionally, it’s a known fact that many commercial fleet insurance claims are paid because of he said/she said situations. Having accidents on camera is the best way to know who exactly was at fault and exonerate innocent drivers.
  •  Hold weekly safety huddles and or monthly meetings. Review the data and claims that have occurred recently and talk to your drivers about how they could have been prevented.
  •  Commit to investing in annual defensive driving training for your drivers. This annual reminder to drivers will ensure that bad habits are addressed and give each driver a time to reflect on their own performance.
  • Implement a reward program for safe drivers. Giving an incentive, even if it’s small monetary gift cards – keeps your drivers focused and motivated on safe driving habits.

4) The Driver Pool

The Driver Pool is so important when trying to achieve the lowest insurance rates from commercial fleet insurance providers for your transportation company. How you chose to manage drivers and who you hire is crucial. Create formal guidelines that clearly outline what is acceptable for employment. We recommend only hiring drivers with zero accidents within the past three years and minimal moving violations. Clean MVRs are best but we know that professional drivers with experience usually do not have clean MVRs and this is ok. Professional drivers are on the road up to 3x more than someone commuting to/from work so it’s a given that they will most likely have more violations on their records. Repeat offenders can impact the cost of your commercial fleet insurance and should be let go. No one is perfect, but you should train your drivers with the goal to be as safe as possible. Excessive violations on a driving record can cause surcharges and prevent you from obtaining the lower insurance rates. Additionally, younger drivers sometimes generate higher premiums for commercial fleet insurance as well as newly licensed individuals.

5) Contact an Experienced, Transportation Insurance Broker

commercial fleet insurance

Working with a transportation specialist versus a local agency makes a huge difference as commercial fleet insurance brokers have access to many more transportation focused insurance companies. Also, an experienced broker will review your company data prior to submitting to commercial fleet insurance companies. If they see something a commercial fleet insurance company won’t like, they can address it with you and provide you with an opportunity to make changes before submitting to each carrier. The more information you can provide to a commercial fleet insurance underwriter, the better chances you have at achieving the lowest insurance rates. Because the for-hire, livery insurance market is so thin, carriers often get multiple submissions from duplicate brokers. Try to work with one broker at a time. You may think contacting multiple agencies well help you, but if they are all going to the same markets for commercial fleet insurance – it’s duplicating not only your own work, but the insurance companies as well. The livery market is a tough class of business and finding an experienced broker will absolutely give you a leg up on finding the lowest insurance rates over a generalist broker.

American Business Insurance Services, Inc. has been working with transportation companies across the nation for 35+ years. We have direct relationships with the most competitive commercial fleet insurance companies. We know what it takes to submit a complete application and present your company in the best light possible – which will no doubt translate to finding commercial fleet insurance at the lowest insurance rate.

Looking for a quote? Click here

Autonomous Car Insurance and How it Works

How Autonomous Car Insurance Works

With technology in our society advancing at such an incredible rate, all of our cars could have minds entirely of their own within years. As a matter of fact, we are on our way there already. They are not yet available on a large scale. However, autonomous cars certainly are a reality and could eventually integrate themselves fully into our everyday lives. The question that many are asking has to do with insurance for an autonomous car. Car insurance typically protects the driver and car from mistakes that are caused by the driver. So if all cars will be completely autonomous and self-sufficient from humans, what is the point of insurance? If the car gets in an accident, who is then held responsible? In this futuristic dilemma, car insurance will work a little differently than we’re used to, but American Business Insurance is prepared to handle it.

How Do Autonomous Vehicles Work?

Essentially, autonomous vehicle manufacturers and designers will think of everything that a car needs a human for and remove those needs. For example, an autonomous car will be built with a GPS in it, so it doesn’t need a person to control navigation. Many of them also have sensors in and around them, in order to help them avoid accidents. Of course, this would typically be the job of the driver. There is also the element of augmented reality. AR is a method of getting information to the driver, such as displaying it on the windshield. This information could be directions, the speed of the car, information about the music thats playing, etc. And the vehicle is the one that has it all. The would-be driver just turns into a rider, and the car handles the rest.

Changes in Insurance

Insurance for autonomous vehicles will play a different role than insurance for a regular car. Instead of the driver or owner of the vehicle being responsible for accidents, it would likely be the manufacturer of the autonomous vehicle. Now, its rare for a malfunction of the vehicle to be the cause of an accident; they are almost always a result of human error. This could be the largest change to car insurance if and when autonomous vehicles become a norm in our society. Manufacturers being held responsible for insuring each vehicle themselves will create an expensive, long-term process before the vehicles can be safely put to use. It will also require an extensive process of making sure that many ethical issues are covered.

ABI’s Role

The idea that human-operated vehicles will be obsolete in everyday life may seem plausible only in the distant future. However, functioning autonomous cars are on their way to changing transportation forever. There are countless pros to autonomous vehicles, but insuring all vehicles so that riders are promised complete safety would be the primary con. To ease the process of insuring self-driving cars, ABI’s Insurance Services have exactly what it takes for companies to make the transition from human-driven cars to self-driven cars. With 75 years of experience in transportation network companies, ABI can make riders feel safe using new technology, and help our society continue to evolve in amazing ways. ABI has direct relationships with the insurance carriers they write policies through, allowing for great efficiency and attention to detail. But you don’t have to wait for all cars to drive themselves to achieve this kind of protection and safety; contact ABI for both large and small fleet insurance today!

Taxi Cab Insurance: The Best Coverage for the Best Price

Taxi Cab Insurance

Taxis are the go-to transportation mode for people all over the country. There are many tales about heroic cabbies coming to save the day or night. Some dub the driver’s seat of taxi cab the world’s best free theater. It is important to have great taxi cab insurance!

As many heart-warming and glorious stories out there about taxi cabs, there a few less-than desirable stories as well. That’s when taxi cab insurance by ABI comes to the rescue! We have your back no matter what.

Why Taxi Cab Insurance with ABI?

Founded in 1984, ABI Insurance services offer the experience and expertise needed in the insurance realm. With new policies and insurance guidelines coming out regularly, it is important to stay in the know about any new changes. Staying up to date in policy lingo isn’t the easiest (or most amusing) pastime – so leave it to the professionals at ABI. We are also current and up to date with the newest policies when it comes to taxi cab insurance.

ABI is also one of largest commercial transportation insurance agencies. Additionally approximately 40,000 vehicles are currently covered by ABI. You can rest assured knowing that thousands of other taxi cab owners have trusted with with insuring their vehicle or fleet. For over 35+ years we have offered top of the line customer service and knowledgeable insight into taxi cab insurance.

Furthermore, at ABI we value our client’s business and take pride in the partnerships we have curated for the past 35 years. At ABI we have designed mobile apps so you can monitor your taxi cab insurance policies anytime, anywhere. Drive confidently knowing that everything you need is at your fingertips.

Benefits of Taxi Cab Insurance from ABI:

  • Customizable to your policy needs
  • Certificate issuance available in minutes
  • Mobile apps with your policy details
  • Over 35+ years of experience
  • 40,000 vehicles insured
  • Competitive pricing

Customizable Taxi Cab Insurance

We have the experience necessary to know the field. We then pair this knowledge with top of the line technology – and we do not outsource. Our in-house programmers will work directly with you to design a custom plan to meet your individual taxi cab insurance needs. We will design a policy that covers the needs of all parties involved.

We understand the time-sensitive nature and regulatory requirements involved in operating a passenger transportation company. With a specific department dedicated to certificate issuance, we are able to have our client’s vehicles on the road within minutes of a request.

We pride ourselves on providing prompt, reliable, experienced, innovative, and competitive services and solutions to our loyal customers.

Taxi Cabs: A Brief History

The first electric taxi cab came in a fleet of 600 cars to NYC. These taxis were dubbed “hummingbirds” due to the electronic humming noise they made. The word taxicab was originally used as one work after “taximeter” the device used to keep track of distance and fare. In the 1980s computer assisted taxi cabs were dispatched to those who were in need of a cab. Nowadays passengers can order a taxi cab straight from their phone to be picked up in minutes.

Paratransit Insurance: Affordable Coverage for Your Fleet

Paratransit Insurance

Having the proper paratransit insurance is very important to your paratransit automobile or fleet. The services that paratransit automobiles accomplish for the disabled is truly life changing, and deserves insurance that is equally stellar.

You need to ensure the safety and reliability of your paratransit vehicle to protect your passengers and yourself. Paratransits are essential parts of society and provide mobility to those who would otherwise not have access. Paratransit services are custom to many different disabilities and the automobiles are equipped to serve handicapped or disabled persons in the most efficient way possible.

Paratransit Transportation

Thanks to the Americans with Disabilities Act of 1990, paratransit services are now a daily reality for many American’s with disabilities. By providing transportation for those with disabilities, paratransit services are paramount to the well-being and mobility of thousands of disabled Americans.

Veterans and the elderly are just a few of the people who utilize paratransit services. Without these versatile automobiles, short trips in the car would be impossible for many disabled persons. Paratransit services not only provide essential mobility, they also greatly improve the quality of life of many people. Thanks to paratransit services, those who would otherwise not have an accessible and mobile life, are able to find their freedom.

Paratransit Insurance at ABI Insurance Services Inc

ABI Insurance Services Inc was founded in 1984 and we offer experience and expertise in the insurance realm. ABI is one of largest commercial transportation insurance agencies.

Additionally approximately 40,000 vehicles are currently covered by ABI. For over 35+ years we have offered top of the line customer service and knowledgable insight into paratransit insurance.

Furthermore, at ABI we value our client’s business and take pride in the partnerships we have curated for the past 35 years.

At ABI we have designed mobile apps so you can monitor your paratransit insurance policies anytime, anywhere. So you can rest assured knowing that everything you need is at your fingertips.

Paratransit Insurance Catered to your Specific Needs

We have the experience necessary to know the field. We then pair this knowledge with top of the line technology. Our in-house programmers will work directly with you to design a custom plan to meet your individual paratransit insurance needs. We will design a policy that covers the intricate needs of all parties involved.

At ABI, we understand the time-sensitive nature and regulatory requirements involved in operating a passenger transportation company. With a specific department dedicated to certificate issuance, we are able to have our client’s vehicles on the road within minutes of a request.

We pride ourselves on providing prompt, reliable, experienced, innovative, and competitive services and solutions to our loyal customers.

Paratransit Services Provide:

  • Mobility to disabled
  • Access to accessible transportation
  • Freedom to go places and run errands
  • Better life quality for those who are disabled

Have More Questions about Paratransit Insurance?

Visit our contact page to learn more or speak with an agent to get all your questions answered promptly.

Ready to sign up for Paratransit Insurance?

We look forward to helping you fulfill your insurance needs. Please click here to be redirected to our sign up page.

 

 

For Hire Livery Insurance

For hire livery insurance is a special type of insurance that covers vehicles used to transport people, such as Taxis, Limos, buses, and other non-emergency transport services. American Business Insurance covers a wide variety of services, that means we cover other non-traditional services other than taxis and black cars. If you are a business owner that operates a fleet of transportation vehicles, you should consider getting coverage from American Business Insurance. Why? Because at American Business Insurance we are always thinking ahead, and we have the flexibility unlike the other large insurance corporations. That is why we are introducing special insurance coverages for drivers for Uber, Lyft, Turo, and Get Around. This shows that our business is always innovating and looking for ways to change with the industry.

Introducing Period X ™ & Period Zero ™

Period X ™ & Period Zero ™ are our brand new services tailored to for hire livery services such as Uber, Lyft, Turo and Get Around. These special coverages are similar to our other fleet insurance policies, where the coverage is on a pay-per-drive or pay-per-mile basis. American Business Insurance understands that these ride sharing services are on the rise recently, and in order to counter these changes in the industry our company needs to stay innovative to be on top of the game. One of the benefits for For Hire Livery Insurance is the collision coverage. According to the Insurance company State Farm, on average a driver files an insurance claim every 17 years, or roughly one accident per 300,000 miles you drive (based on the average American driving statistics). As a ride sharing driver you will be driving A LOT more than the average American, that means you should consider getting For Hire Livery Insurance even more than the average American.

Besides Collision coverage, our for hire livery insurance coverage includes different options such as liability protection, driver protection, and vehicle protection, and also the ability to cover your medical expenses in case of an accident. At American Business Insurance, we understand that accidents to happen, and we are here to minimize the trouble for you. If you own a car and use it for ridesharing services, you should consider using American Business Insurance’s brand new Period X ™ & Period Zero ™ plans.

Other For Hire Livery Insurance Options

If you don’t drive a Uber or Lyft, we do have other coverage that targets specific non-emergency vehicles such as buses, limos, black cars, and even trucks. Some of these services include Child Transportation, Elderly transportation, and also airport transportation services. However, many of these services have certain limitations based on the vehicle and the State that the company is operating in. At American Business Insurance, we strive to provide you with the best For Hire Livery Insurance quotes that are tailored to your specific company and your situation. Our company operates across the United States, that means we know all of the Ins and Outs of each State and its specific regulations.

In conclusion, you should consider American Business Insurance if you are in the market of For Hire Livery Insurance. Throughout the 30+ years American Business Insurance is in business, we have always strived to provide the best insurance coverage tailored to your specific company. So what are you waiting for? Go online to abiweb.com and shop around our different policies, and even if you’re not in the market for For Hire Livery Insurance policies, we have other commercial insurance policies available. Get Insured today.

How ABI is Protecting HyreCar

How ABI is Protecting Hyrecar

Ride-sharing services are taking the world of transportation by storm. Uber and Lyft are constantly relied on both by riders who need to get places efficiently, and by those who are employed by either company. However, many people are not aware that vehicles must meet certain standards in order to provide rides by Uber and Lyft. Due to these specific requirements for cars, many who desire to drive for the ride-sharing service aren’t allowed the opportunity. There was nothing they could do- until Hyrecar.

The Solution

HyreCar has arrived as the first car-matching service that works hand in hand with Uber and Lyft. The concept is simple: for those who desire to drive but don’t have a car that meets the requirements, HyreCar allows you to rent one and get right to work. Most issues that are preventing certain cars from qualifying for Uber and Lyft are simply problems that are typical of older vehicles. Its a lot to ask of someone to make them purchase an entirely new vehicle just to pass the restrictions test. In turn, less people would drive for Uber and Lyft, which hurts both the would-be drivers and the companies themselves.

The Process

HyreCar realized the very simple solution to this problem, and the founders were shocked when they found that no one had discovered this niche market yet. HyreCar’s platform is easy to use, while still being thorough. It allows car owners to post their vehicles that are up for rental, and when drivers find one they want, they create a profile. This profile includes information such as driver’s license and social security numbers, and drivers can pay just by entering their credit card information into the platform. HyreCar’s founders believe that their screening process for drivers is even stricter than those of Uber and Lyft, checking things like criminal records, DMV records, and sex-offender databases.

Everybody Wins

Thanks to HyreCar, everybody involved benefits in some way. Cars that would otherwise be sitting in a garage or not in use somewhere are making their owners money. Those who wish to be drivers are given an easy way to fulfill that desire without buying a whole new car. Uber and Lyft have more drivers for their companies and therefore generate more business. HyreCar benefits by charging drivers that rent from them a 10% fee and car owners a 15% fee.

How ABI is Covering HyreCar

American Business Insurance is providing HyreCar with a unique insurance policy to ensure the highest level of safety for both the drivers and riders. When a driver is not driving for a ride-sharing platform but is still in possession of the rented car, they are covered by ABI’s policy that covers both the riders and drivers. When they are driving for a ride-sharing platform with the rented car, the insurance defaults to the state-mandated policy provided by the respective ride-sharing company.

As far as HyreCar is aware, they are the only car-matching service that utilizes a unique insurance policy such as the one provided by American Business Insurance. Thanks to ABI, HyreCar now has a competitive advantage that will likely continue to garner success for the company.

NEMT Insurance in Utah

Looking for NEMT Insurance in Utah?

Are you looking for a professional insurance agency that knows the ins-and-outs of Non-Emergency Medical Transportation, or NEMT Insurance, in Utah? American Business Insurance Services specializes in helping companies find and maintain the best amount of insurance. Our goal is to make sure that your business, employees, and customers are all protected without breaking the bank. We know that unlike standard automobiles, even a fender bender can create circumstances for a large claim due to the potentially fragile passengers being transported.

NEMT Services in UtahAmerican Business Insurance provides professional advice that will help you fully cover your business from all liabilities that could hurt your company. With this consultative-style approach, we are able to recommend the most comprehensive and most cost-effective NEMT insurance for your business. American Business Insurance Services, Inc. has been writing this class of business for over 35 years. Experience with NEMT coverage cannot be understated when you consider the vast requirements that apply to this type of policy. American Business Insurance currently offers NEMT insurance in Utah as well as nearly every other state in the U.S.

NEMT Insurance in Utah for Company Fleets

We all have loved ones, that at one time or another, are in need of consistent medical care. Whether they be our aging grandparents, parents, or even our in-laws, we want the best care for them. But sometimes, our lives get a bit hectic and busy. We can’t always find the time to escort our loved ones to doctor appointments and other medical treatment centers. Although, there are ways to make this process a little easier. Many families, hospitals, and doctor offices turn to Paratransit Service or Non-Emergency Medical Transportation (NEMT) providers to fill this need. The Americans with Disabilities Act of 1990, made paratransit service a daily reality for many Americans with disabilities. By providing transportation for those with disabilities, paratransit services are paramount to the well-being and mobility of thousands of Americans.

NEMT Insurance in Utah

Even for those who have loved ones nearby, it’s not always convenient or possible to be available at all hours. Non-emergency medical transportation in Utah can be very advantageous for individuals who are unable to use conventional transportation means. NEMT services in Utah have several benefits. First off, medical transportation services in Utah provide some of the safest transportation options available. Moreover, NEMT services are health-focused – which can be especially important for those with a disability or health condition, as well as the elderly.

non emergency medical transportation vehicle

As a NEMT business owner, this is where your company comes into play. If you are a NEMT agency that operates fleets in Utah, it’s especially important that you have NEMT insurance. American Business Insurance works with agencies to provide the best available coverage. Having the right NEMT insurance in Utah is essential in making sure your business and customers are covered in case of an incident.

When customers are looking to choose a paratransit service or agency to be responsible for their loved ones, they will be looking into the NEMT company to make sure their loved one is going to be safe and protected.  American Business Insurance Services, Inc. provides NEMT insurance to companies in Utah as well as nationwide, creating customized policies to best serve the client’s needs.

How to Decide on NEMT Insurance for Your Company Fleet

There are a lot of factors that go into finding the best NEMT insurance coverage for your non-emergency medical transportation’s large fleet. Therefore, prepare to answer a few questions when working with American Business Insurance to find you the best quote to match your business needs.

  • Are the majority of your trips for passengers ambulatory or non-ambulatory?
  • Does your company contract with LogistiCare or other providers with strict insurance requirements?
  • Do your vehicles have lifts or ramps?
  • Do your vehicles include backup cameras so your drivers can see whether or not someone in a low wheelchair is behind the vehicle when backing?

Insurance companies ask these questions to ensure you are fully covered under your policy. At American Business Insurance Services, Inc., we guarantee the most thorough coverage for your large fleet. Furthermore, we have trained professionals who will take care of everything, and will guide you through the process of properly insuring your NEMT fleet most efficiently!

Why You (the Paratransit service/agency) Need Full Coverage

Having proper paratransit or NEMT insurance is critical to operating a successful transportation business. The services that paratransit automobile fleets accomplish for those in need is truly life-changing and deserves insurance that is equally up to par.

Moreover, the reason you (the Paratransit service/agency) need NEMT fleet insurance is to ensure the safety and reliability of your paratransit service company, protecting your passengers and your business.

Coverage Requirements for Paratransit and NEMT Companies

It’s crucial to know exactly what’s in your NEMT coverage contract. At American Business Insurance, we examine the contract providers and the requirements that they have. For example, let’s look at LogistiCare.

  • $1,000,000 Combined Single Limit of Auto Liability Coverage
  • Hired & Non-Owned Coverage (Symbols 2,8,9)
  • Loading & Unloading Coverage
  • General Liability Coverage at $1,000,000 per incident $2,000,000 Aggregate
  • Sexual Abuse and Molestation Coverage (limits can vary by location)

There are other requirements in addition to the ones listed above. However, if you are missing any of those items on your insurance policy, LogistiCare will suspend your account. Many large Non-Emergency fleets have a long list of additional interests that have different insurance requirements.

Typically, we will ask for a copy of the provider insurance section of the contract to make absolutely sure that we’ve gotten your coverage written correctly. American Logistics, SoutheastTrans, and other NEMT providers have extremely particular requirements for coverage to protect them. Why is this? One answer: safety.

How Can American Business Insurance Services, Inc. Help?

If you have questions or are seeking further guidance, please don’t hesitate to contact us. Call us Monday – Friday, from 8 am to 5 pm PST: 800-980-1950 or email us anytime! We would love to help you get your NEMT business in Utah off the ground and paired with an insurer that’s right for you. Be sure to check out our social media: Instagram, Facebook, LinkedIn.

How to Save the MOST Money on Your Commercial Fleet Insurance Rates

ABI Transportation Experts Speak: How to Save the MOST Money on Your Commercial Fleet Insurance Rates

Written by Laura Loftus on Thursday, February 28th, 2019

 

When speaking with clients about their commercial fleet insurance, the most common concern is how to get the lowest insurance rates. About 100% of the customers I speak to daily all have the same goal – they want the lowest insurance rates available and will do whatever it takes to get it. Whether you own a Taxi, Limo, Paratransit or Shared Economy company (peer to peer platform app), it’s a given that you want your commercial fleet insurance coverage at the lowest insurance rates available. What many companies don’t realize, especially start-ups, is that commercial fleet insurance underwriters do quite a bit of digging on your company through a variety of platforms to “check you out” prior to releasing a quote. They read Yelp reviews, they look at your website, they do Better Business Bureau checks – all of it.

There are common mistakes that transportation service companies are repeatedly making that will create doubt in a commercial fleet insurance company. These mistakes actually prevent your broker from being able to find the lowest insurance rates for your company. Most of these companies think they are making business decisions that will guide them toward the lowest insurance rates, and are unaware that their current website or driver pool is actually hurting their chances of achieving the lowest possible commercial fleet insurance rate.

Five common flubs transportation service companies are making that prevent your commercial fleet insurance broker from obtaining the lowest insurance rates possible:

1) Company Website

The first and most common mistake we see from commercial auto risks who are in the “wheels” business as us underwriters call it – is that you over the amount of experience or size of your transportation service company.  It is common for commercial fleet insurance underwriters to google your company to pick apart your website. Here are some items you may think are helping your chances at obtaining the lowest insurance rates but are actually red flags to commercial fleet insurance companies:

  •  Words like “Fast Pick-up” or ‘Delivery in Minutes” – no commercial fleet insurance underwriter wants to see that you are promising rushed services. Rushing = equals unsafe driving behavior.

commercial fleet insurance

  • Advertising vehicles that are not actually part of your fleet. For example, just yesterday I was helping a 35-car fleet in Portland with obtaining commercial fleet insurance quotes. The list of vehicles they provided were all private passenger type vehicles (meaning seating capacity of 8 or less) – good! But when I searched the company online, they advertised a large shuttle bus and a higher seating capacity van. When I asked the client about this, they those vehicles had been sold and they had no plans to replace them. Keeping your website up to date and only advertising only what you can actually deliver will keep unwanted questions from creeping into the commercial fleet insurance underwriters’ mind. Creating uncertainty is the last thing you want to do with a commercial fleet insurance underwriter when trying to obtain the lowest insurance rates.
  •  Age of vehicles is important to commercial fleet insurance companies. Publishing a picture of a 30-year-old vehicle is no bueno. Keep your fleet serviced regularly (we recommend every three to four thousand miles and cycle out old units. Newer, cleaner & well-maintained vehicles are not only more desired by clientele (when trying to compete with Uber/Lyft) but also preferred by commercial fleet insurance companies trying to avoid claims due to mechanical defect.
  • If you boast 20 years of experience but your LLC was filed three years ago, it creates uncertainty with insurance companies. It’s better to accurately reflect your business as it is now, and not what you want it to be five years from now. Just as there are items to avoid putting on your website, there are points that you should include on your website. It is always a good idea to brag about highly trained drivers and safety training you provide (more on this later). Be sure to note the maintenance you keep up with for your fleet, the background checks the city you operate in mandates and the highest level of driving records required for your drivers. Commercial fleet insurance underwriters like stable fleets with safe drivers. Bottom line, safer risks translates to commercial fleet insurance underwriters offering the lowest insurance rates.

2) Creating a Business Name

This may seem simple enough but for transportation business owners looking to for the lowest insurance rates, people often think that commercial fleet insurance companies give the lowest insurance rates to Limo’s and Non-Emergency Medical risks over a taxi or airport shuttle. While this might be true, cornering yourself into a specific type of transportation in your business name narrows the list of commercial fleet insurance carriers you are eligible for. Many markets write only taxis or only limos. So, if you file your business name with the Secretary of State as Laura’s Taxi & Limo Service, LLC. – it could possibly make you ineligible for a limo commercial fleet insurance program because they don’t insure taxis and vice versa – even if your unit type meets their requirements. When talking with clients, I always say it’s best to be general about the transportation type within the name of their business, especially as market conditions change. You may be heavy in taxi trips one year but then obtain a paratransit contract and do more of that the following year. The more years of favorable loss history (loss runs) you can provide, the better chance you have at obtaining the lowest insurance rates. Choosing a business name that is general such as Laura’s Transportation Service, LLC. allows you flexibility to transform and evolve your business as the industry demands change.

3) Loss Control is Everything

Underwriters give commercial fleet insurance at the lowest insurance rates to companies with low levels of paid claims. Even in a hard insurance market, with rates rising for the good guys too, you can expect to pay more for commercial fleet insurance if you’re prior insurance companies have paid a lot in claims. Here are some suggestions in tightening loss control for your transportation service company:

  •  Hire a full-time loss control or driver manager who will enforce a safety culture. Doing this, will lower the frequency and severity of claim payouts and put your transportation service company in a better position to obtain the lowest insurance rates. This person should be in charge of overseeing the overall safety of your company. Managing and coaching your drivers is the key to a successful transportation service company. You are only as good as your worst driver.
  • commercial fleet insurance Invest in cameras that capture not only accidents but also driver analytics. This type of camera system will allow you to review driver behavior and correct bad habits before they cause an accident. We like to say this method is similar to that of a professional athlete. How do they improve? They watch their game film and correct bad habits. Driving professionally is the same. The more you do it, the more comfortable you get and having drivers watch themselves reduces risky behavior dramatically. Additionally, it’s a known fact that many commercial fleet insurance claims are paid because of he said/she said situations. Having accidents on camera is the best way to know who exactly was at fault and exonerate innocent drivers.
  •  Hold weekly safety huddles and or monthly meetings. Review the data and claims that have occurred recently and talk to your drivers about how they could have been prevented.
  •  Commit to investing in annual defensive driving training for your drivers. This annual reminder to drivers will ensure that bad habits are addressed and give each driver a time to reflect on their own performance.
  • Implement a reward program for safe drivers. Giving an incentive, even if it’s small monetary gift cards – keeps your drivers focused and motivated on safe driving habits.

4) The Driver Pool

The Driver Pool is so important when trying to achieve the lowest insurance rates from commercial fleet insurance providers for your transportation company. How you chose to manage drivers and who you hire is crucial. Create formal guidelines that clearly outline what is acceptable for employment. We recommend only hiring drivers with zero accidents within the past three years and minimal moving violations. Clean MVRs are best but we know that professional drivers with experience usually do not have clean MVRs and this is ok. Professional drivers are on the road up to 3x more than someone commuting to/from work so it’s a given that they will most likely have more violations on their records. Repeat offenders can impact the cost of your commercial fleet insurance and should be let go. No one is perfect, but you should train your drivers with the goal to be as safe as possible. Excessive violations on a driving record can cause surcharges and prevent you from obtaining the lower insurance rates. Additionally, younger drivers sometimes generate higher premiums for commercial fleet insurance as well as newly licensed individuals.

5) Contact an Experienced, Transportation Insurance Broker

commercial fleet insurance

Working with a transportation specialist versus a local agency makes a huge difference as commercial fleet insurance brokers have access to many more transportation focused insurance companies. Also, an experienced broker will review your company data prior to submitting to commercial fleet insurance companies. If they see something a commercial fleet insurance company won’t like, they can address it with you and provide you with an opportunity to make changes before submitting to each carrier. The more information you can provide to a commercial fleet insurance underwriter, the better chances you have at achieving the lowest insurance rates. Because the for-hire, livery insurance market is so thin, carriers often get multiple submissions from duplicate brokers. Try to work with one broker at a time. You may think contacting multiple agencies well help you, but if they are all going to the same markets for commercial fleet insurance – it’s duplicating not only your own work, but the insurance companies as well. The livery market is a tough class of business and finding an experienced broker will absolutely give you a leg up on finding the lowest insurance rates over a generalist broker.

American Business Insurance Services, Inc. has been working with transportation companies across the nation for 35+ years. We have direct relationships with the most competitive commercial fleet insurance companies. We know what it takes to submit a complete application and present your company in the best light possible – which will no doubt translate to finding commercial fleet insurance at the lowest insurance rate.

Looking for a quote? Click here

Autonomous Car Insurance and How it Works

How Autonomous Car Insurance Works

With technology in our society advancing at such an incredible rate, all of our cars could have minds entirely of their own within years. As a matter of fact, we are on our way there already. They are not yet available on a large scale. However, autonomous cars certainly are a reality and could eventually integrate themselves fully into our everyday lives. The question that many are asking has to do with insurance for an autonomous car. Car insurance typically protects the driver and car from mistakes that are caused by the driver. So if all cars will be completely autonomous and self-sufficient from humans, what is the point of insurance? If the car gets in an accident, who is then held responsible? In this futuristic dilemma, car insurance will work a little differently than we’re used to, but American Business Insurance is prepared to handle it.

How Do Autonomous Vehicles Work?

Essentially, autonomous vehicle manufacturers and designers will think of everything that a car needs a human for and remove those needs. For example, an autonomous car will be built with a GPS in it, so it doesn’t need a person to control navigation. Many of them also have sensors in and around them, in order to help them avoid accidents. Of course, this would typically be the job of the driver. There is also the element of augmented reality. AR is a method of getting information to the driver, such as displaying it on the windshield. This information could be directions, the speed of the car, information about the music thats playing, etc. And the vehicle is the one that has it all. The would-be driver just turns into a rider, and the car handles the rest.

Changes in Insurance

Insurance for autonomous vehicles will play a different role than insurance for a regular car. Instead of the driver or owner of the vehicle being responsible for accidents, it would likely be the manufacturer of the autonomous vehicle. Now, its rare for a malfunction of the vehicle to be the cause of an accident; they are almost always a result of human error. This could be the largest change to car insurance if and when autonomous vehicles become a norm in our society. Manufacturers being held responsible for insuring each vehicle themselves will create an expensive, long-term process before the vehicles can be safely put to use. It will also require an extensive process of making sure that many ethical issues are covered.

ABI’s Role

The idea that human-operated vehicles will be obsolete in everyday life may seem plausible only in the distant future. However, functioning autonomous cars are on their way to changing transportation forever. There are countless pros to autonomous vehicles, but insuring all vehicles so that riders are promised complete safety would be the primary con. To ease the process of insuring self-driving cars, ABI’s Insurance Services have exactly what it takes for companies to make the transition from human-driven cars to self-driven cars. With 75 years of experience in transportation network companies, ABI can make riders feel safe using new technology, and help our society continue to evolve in amazing ways. ABI has direct relationships with the insurance carriers they write policies through, allowing for great efficiency and attention to detail. But you don’t have to wait for all cars to drive themselves to achieve this kind of protection and safety; contact ABI for both large and small fleet insurance today!

Taxi Cab Insurance: The Best Coverage for the Best Price

Taxi Cab Insurance

Taxis are the go-to transportation mode for people all over the country. There are many tales about heroic cabbies coming to save the day or night. Some dub the driver’s seat of taxi cab the world’s best free theater. It is important to have great taxi cab insurance!

As many heart-warming and glorious stories out there about taxi cabs, there a few less-than desirable stories as well. That’s when taxi cab insurance by ABI comes to the rescue! We have your back no matter what.

Why Taxi Cab Insurance with ABI?

Founded in 1984, ABI Insurance services offer the experience and expertise needed in the insurance realm. With new policies and insurance guidelines coming out regularly, it is important to stay in the know about any new changes. Staying up to date in policy lingo isn’t the easiest (or most amusing) pastime – so leave it to the professionals at ABI. We are also current and up to date with the newest policies when it comes to taxi cab insurance.

ABI is also one of largest commercial transportation insurance agencies. Additionally approximately 40,000 vehicles are currently covered by ABI. You can rest assured knowing that thousands of other taxi cab owners have trusted with with insuring their vehicle or fleet. For over 35+ years we have offered top of the line customer service and knowledgeable insight into taxi cab insurance.

Furthermore, at ABI we value our client’s business and take pride in the partnerships we have curated for the past 35 years. At ABI we have designed mobile apps so you can monitor your taxi cab insurance policies anytime, anywhere. Drive confidently knowing that everything you need is at your fingertips.

Benefits of Taxi Cab Insurance from ABI:

  • Customizable to your policy needs
  • Certificate issuance available in minutes
  • Mobile apps with your policy details
  • Over 35+ years of experience
  • 40,000 vehicles insured
  • Competitive pricing

Customizable Taxi Cab Insurance

We have the experience necessary to know the field. We then pair this knowledge with top of the line technology – and we do not outsource. Our in-house programmers will work directly with you to design a custom plan to meet your individual taxi cab insurance needs. We will design a policy that covers the needs of all parties involved.

We understand the time-sensitive nature and regulatory requirements involved in operating a passenger transportation company. With a specific department dedicated to certificate issuance, we are able to have our client’s vehicles on the road within minutes of a request.

We pride ourselves on providing prompt, reliable, experienced, innovative, and competitive services and solutions to our loyal customers.

Taxi Cabs: A Brief History

The first electric taxi cab came in a fleet of 600 cars to NYC. These taxis were dubbed “hummingbirds” due to the electronic humming noise they made. The word taxicab was originally used as one work after “taximeter” the device used to keep track of distance and fare. In the 1980s computer assisted taxi cabs were dispatched to those who were in need of a cab. Nowadays passengers can order a taxi cab straight from their phone to be picked up in minutes.

Paratransit Insurance: Affordable Coverage for Your Fleet

Paratransit Insurance

Having the proper paratransit insurance is very important to your paratransit automobile or fleet. The services that paratransit automobiles accomplish for the disabled is truly life changing, and deserves insurance that is equally stellar.

You need to ensure the safety and reliability of your paratransit vehicle to protect your passengers and yourself. Paratransits are essential parts of society and provide mobility to those who would otherwise not have access. Paratransit services are custom to many different disabilities and the automobiles are equipped to serve handicapped or disabled persons in the most efficient way possible.

Paratransit Transportation

Thanks to the Americans with Disabilities Act of 1990, paratransit services are now a daily reality for many American’s with disabilities. By providing transportation for those with disabilities, paratransit services are paramount to the well-being and mobility of thousands of disabled Americans.

Veterans and the elderly are just a few of the people who utilize paratransit services. Without these versatile automobiles, short trips in the car would be impossible for many disabled persons. Paratransit services not only provide essential mobility, they also greatly improve the quality of life of many people. Thanks to paratransit services, those who would otherwise not have an accessible and mobile life, are able to find their freedom.

Paratransit Insurance at ABI Insurance Services Inc

ABI Insurance Services Inc was founded in 1984 and we offer experience and expertise in the insurance realm. ABI is one of largest commercial transportation insurance agencies.

Additionally approximately 40,000 vehicles are currently covered by ABI. For over 35+ years we have offered top of the line customer service and knowledgable insight into paratransit insurance.

Furthermore, at ABI we value our client’s business and take pride in the partnerships we have curated for the past 35 years.

At ABI we have designed mobile apps so you can monitor your paratransit insurance policies anytime, anywhere. So you can rest assured knowing that everything you need is at your fingertips.

Paratransit Insurance Catered to your Specific Needs

We have the experience necessary to know the field. We then pair this knowledge with top of the line technology. Our in-house programmers will work directly with you to design a custom plan to meet your individual paratransit insurance needs. We will design a policy that covers the intricate needs of all parties involved.

At ABI, we understand the time-sensitive nature and regulatory requirements involved in operating a passenger transportation company. With a specific department dedicated to certificate issuance, we are able to have our client’s vehicles on the road within minutes of a request.

We pride ourselves on providing prompt, reliable, experienced, innovative, and competitive services and solutions to our loyal customers.

Paratransit Services Provide:

  • Mobility to disabled
  • Access to accessible transportation
  • Freedom to go places and run errands
  • Better life quality for those who are disabled

Have More Questions about Paratransit Insurance?

Visit our contact page to learn more or speak with an agent to get all your questions answered promptly.

Ready to sign up for Paratransit Insurance?

We look forward to helping you fulfill your insurance needs. Please click here to be redirected to our sign up page.

 

 

For Hire Livery Insurance

For hire livery insurance is a special type of insurance that covers vehicles used to transport people, such as Taxis, Limos, buses, and other non-emergency transport services. American Business Insurance covers a wide variety of services, that means we cover other non-traditional services other than taxis and black cars. If you are a business owner that operates a fleet of transportation vehicles, you should consider getting coverage from American Business Insurance. Why? Because at American Business Insurance we are always thinking ahead, and we have the flexibility unlike the other large insurance corporations. That is why we are introducing special insurance coverages for drivers for Uber, Lyft, Turo, and Get Around. This shows that our business is always innovating and looking for ways to change with the industry.

Introducing Period X ™ & Period Zero ™

Period X ™ & Period Zero ™ are our brand new services tailored to for hire livery services such as Uber, Lyft, Turo and Get Around. These special coverages are similar to our other fleet insurance policies, where the coverage is on a pay-per-drive or pay-per-mile basis. American Business Insurance understands that these ride sharing services are on the rise recently, and in order to counter these changes in the industry our company needs to stay innovative to be on top of the game. One of the benefits for For Hire Livery Insurance is the collision coverage. According to the Insurance company State Farm, on average a driver files an insurance claim every 17 years, or roughly one accident per 300,000 miles you drive (based on the average American driving statistics). As a ride sharing driver you will be driving A LOT more than the average American, that means you should consider getting For Hire Livery Insurance even more than the average American.

Besides Collision coverage, our for hire livery insurance coverage includes different options such as liability protection, driver protection, and vehicle protection, and also the ability to cover your medical expenses in case of an accident. At American Business Insurance, we understand that accidents to happen, and we are here to minimize the trouble for you. If you own a car and use it for ridesharing services, you should consider using American Business Insurance’s brand new Period X ™ & Period Zero ™ plans.

Other For Hire Livery Insurance Options

If you don’t drive a Uber or Lyft, we do have other coverage that targets specific non-emergency vehicles such as buses, limos, black cars, and even trucks. Some of these services include Child Transportation, Elderly transportation, and also airport transportation services. However, many of these services have certain limitations based on the vehicle and the State that the company is operating in. At American Business Insurance, we strive to provide you with the best For Hire Livery Insurance quotes that are tailored to your specific company and your situation. Our company operates across the United States, that means we know all of the Ins and Outs of each State and its specific regulations.

In conclusion, you should consider American Business Insurance if you are in the market of For Hire Livery Insurance. Throughout the 30+ years American Business Insurance is in business, we have always strived to provide the best insurance coverage tailored to your specific company. So what are you waiting for? Go online to abiweb.com and shop around our different policies, and even if you’re not in the market for For Hire Livery Insurance policies, we have other commercial insurance policies available. Get Insured today.

How ABI is Protecting HyreCar

How ABI is Protecting Hyrecar

Ride-sharing services are taking the world of transportation by storm. Uber and Lyft are constantly relied on both by riders who need to get places efficiently, and by those who are employed by either company. However, many people are not aware that vehicles must meet certain standards in order to provide rides by Uber and Lyft. Due to these specific requirements for cars, many who desire to drive for the ride-sharing service aren’t allowed the opportunity. There was nothing they could do- until Hyrecar.

The Solution

HyreCar has arrived as the first car-matching service that works hand in hand with Uber and Lyft. The concept is simple: for those who desire to drive but don’t have a car that meets the requirements, HyreCar allows you to rent one and get right to work. Most issues that are preventing certain cars from qualifying for Uber and Lyft are simply problems that are typical of older vehicles. Its a lot to ask of someone to make them purchase an entirely new vehicle just to pass the restrictions test. In turn, less people would drive for Uber and Lyft, which hurts both the would-be drivers and the companies themselves.

The Process

HyreCar realized the very simple solution to this problem, and the founders were shocked when they found that no one had discovered this niche market yet. HyreCar’s platform is easy to use, while still being thorough. It allows car owners to post their vehicles that are up for rental, and when drivers find one they want, they create a profile. This profile includes information such as driver’s license and social security numbers, and drivers can pay just by entering their credit card information into the platform. HyreCar’s founders believe that their screening process for drivers is even stricter than those of Uber and Lyft, checking things like criminal records, DMV records, and sex-offender databases.

Everybody Wins

Thanks to HyreCar, everybody involved benefits in some way. Cars that would otherwise be sitting in a garage or not in use somewhere are making their owners money. Those who wish to be drivers are given an easy way to fulfill that desire without buying a whole new car. Uber and Lyft have more drivers for their companies and therefore generate more business. HyreCar benefits by charging drivers that rent from them a 10% fee and car owners a 15% fee.

How ABI is Covering HyreCar

American Business Insurance is providing HyreCar with a unique insurance policy to ensure the highest level of safety for both the drivers and riders. When a driver is not driving for a ride-sharing platform but is still in possession of the rented car, they are covered by ABI’s policy that covers both the riders and drivers. When they are driving for a ride-sharing platform with the rented car, the insurance defaults to the state-mandated policy provided by the respective ride-sharing company.

As far as HyreCar is aware, they are the only car-matching service that utilizes a unique insurance policy such as the one provided by American Business Insurance. Thanks to ABI, HyreCar now has a competitive advantage that will likely continue to garner success for the company.

NEMT Insurance in Utah

Looking for NEMT Insurance in Utah?

Are you looking for a professional insurance agency that knows the ins-and-outs of Non-Emergency Medical Transportation, or NEMT Insurance, in Utah? American Business Insurance Services specializes in helping companies find and maintain the best amount of insurance. Our goal is to make sure that your business, employees, and customers are all protected without breaking the bank. We know that unlike standard automobiles, even a fender bender can create circumstances for a large claim due to the potentially fragile passengers being transported.

NEMT Services in UtahAmerican Business Insurance provides professional advice that will help you fully cover your business from all liabilities that could hurt your company. With this consultative-style approach, we are able to recommend the most comprehensive and most cost-effective NEMT insurance for your business. American Business Insurance Services, Inc. has been writing this class of business for over 35 years. Experience with NEMT coverage cannot be understated when you consider the vast requirements that apply to this type of policy. American Business Insurance currently offers NEMT insurance in Utah as well as nearly every other state in the U.S.

NEMT Insurance in Utah for Company Fleets

We all have loved ones, that at one time or another, are in need of consistent medical care. Whether they be our aging grandparents, parents, or even our in-laws, we want the best care for them. But sometimes, our lives get a bit hectic and busy. We can’t always find the time to escort our loved ones to doctor appointments and other medical treatment centers. Although, there are ways to make this process a little easier. Many families, hospitals, and doctor offices turn to Paratransit Service or Non-Emergency Medical Transportation (NEMT) providers to fill this need. The Americans with Disabilities Act of 1990, made paratransit service a daily reality for many Americans with disabilities. By providing transportation for those with disabilities, paratransit services are paramount to the well-being and mobility of thousands of Americans.

NEMT Insurance in Utah

Even for those who have loved ones nearby, it’s not always convenient or possible to be available at all hours. Non-emergency medical transportation in Utah can be very advantageous for individuals who are unable to use conventional transportation means. NEMT services in Utah have several benefits. First off, medical transportation services in Utah provide some of the safest transportation options available. Moreover, NEMT services are health-focused – which can be especially important for those with a disability or health condition, as well as the elderly.

non emergency medical transportation vehicle

As a NEMT business owner, this is where your company comes into play. If you are a NEMT agency that operates fleets in Utah, it’s especially important that you have NEMT insurance. American Business Insurance works with agencies to provide the best available coverage. Having the right NEMT insurance in Utah is essential in making sure your business and customers are covered in case of an incident.

When customers are looking to choose a paratransit service or agency to be responsible for their loved ones, they will be looking into the NEMT company to make sure their loved one is going to be safe and protected.  American Business Insurance Services, Inc. provides NEMT insurance to companies in Utah as well as nationwide, creating customized policies to best serve the client’s needs.

How to Decide on NEMT Insurance for Your Company Fleet

There are a lot of factors that go into finding the best NEMT insurance coverage for your non-emergency medical transportation’s large fleet. Therefore, prepare to answer a few questions when working with American Business Insurance to find you the best quote to match your business needs.

  • Are the majority of your trips for passengers ambulatory or non-ambulatory?
  • Does your company contract with LogistiCare or other providers with strict insurance requirements?
  • Do your vehicles have lifts or ramps?
  • Do your vehicles include backup cameras so your drivers can see whether or not someone in a low wheelchair is behind the vehicle when backing?

Insurance companies ask these questions to ensure you are fully covered under your policy. At American Business Insurance Services, Inc., we guarantee the most thorough coverage for your large fleet. Furthermore, we have trained professionals who will take care of everything, and will guide you through the process of properly insuring your NEMT fleet most efficiently!

Why You (the Paratransit service/agency) Need Full Coverage

Having proper paratransit or NEMT insurance is critical to operating a successful transportation business. The services that paratransit automobile fleets accomplish for those in need is truly life-changing and deserves insurance that is equally up to par.

Moreover, the reason you (the Paratransit service/agency) need NEMT fleet insurance is to ensure the safety and reliability of your paratransit service company, protecting your passengers and your business.

Coverage Requirements for Paratransit and NEMT Companies

It’s crucial to know exactly what’s in your NEMT coverage contract. At American Business Insurance, we examine the contract providers and the requirements that they have. For example, let’s look at LogistiCare.

  • $1,000,000 Combined Single Limit of Auto Liability Coverage
  • Hired & Non-Owned Coverage (Symbols 2,8,9)
  • Loading & Unloading Coverage
  • General Liability Coverage at $1,000,000 per incident $2,000,000 Aggregate
  • Sexual Abuse and Molestation Coverage (limits can vary by location)

There are other requirements in addition to the ones listed above. However, if you are missing any of those items on your insurance policy, LogistiCare will suspend your account. Many large Non-Emergency fleets have a long list of additional interests that have different insurance requirements.

Typically, we will ask for a copy of the provider insurance section of the contract to make absolutely sure that we’ve gotten your coverage written correctly. American Logistics, SoutheastTrans, and other NEMT providers have extremely particular requirements for coverage to protect them. Why is this? One answer: safety.

How Can American Business Insurance Services, Inc. Help?

If you have questions or are seeking further guidance, please don’t hesitate to contact us. Call us Monday – Friday, from 8 am to 5 pm PST: 800-980-1950 or email us anytime! We would love to help you get your NEMT business in Utah off the ground and paired with an insurer that’s right for you. Be sure to check out our social media: Instagram, Facebook, LinkedIn.

How to Save the MOST Money on Your Commercial Fleet Insurance Rates

ABI Transportation Experts Speak: How to Save the MOST Money on Your Commercial Fleet Insurance Rates

Written by Laura Loftus on Thursday, February 28th, 2019

 

When speaking with clients about their commercial fleet insurance, the most common concern is how to get the lowest insurance rates. About 100% of the customers I speak to daily all have the same goal – they want the lowest insurance rates available and will do whatever it takes to get it. Whether you own a Taxi, Limo, Paratransit or Shared Economy company (peer to peer platform app), it’s a given that you want your commercial fleet insurance coverage at the lowest insurance rates available. What many companies don’t realize, especially start-ups, is that commercial fleet insurance underwriters do quite a bit of digging on your company through a variety of platforms to “check you out” prior to releasing a quote. They read Yelp reviews, they look at your website, they do Better Business Bureau checks – all of it.

There are common mistakes that transportation service companies are repeatedly making that will create doubt in a commercial fleet insurance company. These mistakes actually prevent your broker from being able to find the lowest insurance rates for your company. Most of these companies think they are making business decisions that will guide them toward the lowest insurance rates, and are unaware that their current website or driver pool is actually hurting their chances of achieving the lowest possible commercial fleet insurance rate.

Five common flubs transportation service companies are making that prevent your commercial fleet insurance broker from obtaining the lowest insurance rates possible:

1) Company Website

The first and most common mistake we see from commercial auto risks who are in the “wheels” business as us underwriters call it – is that you over the amount of experience or size of your transportation service company.  It is common for commercial fleet insurance underwriters to google your company to pick apart your website. Here are some items you may think are helping your chances at obtaining the lowest insurance rates but are actually red flags to commercial fleet insurance companies:

  •  Words like “Fast Pick-up” or ‘Delivery in Minutes” – no commercial fleet insurance underwriter wants to see that you are promising rushed services. Rushing = equals unsafe driving behavior.

commercial fleet insurance

  • Advertising vehicles that are not actually part of your fleet. For example, just yesterday I was helping a 35-car fleet in Portland with obtaining commercial fleet insurance quotes. The list of vehicles they provided were all private passenger type vehicles (meaning seating capacity of 8 or less) – good! But when I searched the company online, they advertised a large shuttle bus and a higher seating capacity van. When I asked the client about this, they those vehicles had been sold and they had no plans to replace them. Keeping your website up to date and only advertising only what you can actually deliver will keep unwanted questions from creeping into the commercial fleet insurance underwriters’ mind. Creating uncertainty is the last thing you want to do with a commercial fleet insurance underwriter when trying to obtain the lowest insurance rates.
  •  Age of vehicles is important to commercial fleet insurance companies. Publishing a picture of a 30-year-old vehicle is no bueno. Keep your fleet serviced regularly (we recommend every three to four thousand miles and cycle out old units. Newer, cleaner & well-maintained vehicles are not only more desired by clientele (when trying to compete with Uber/Lyft) but also preferred by commercial fleet insurance companies trying to avoid claims due to mechanical defect.
  • If you boast 20 years of experience but your LLC was filed three years ago, it creates uncertainty with insurance companies. It’s better to accurately reflect your business as it is now, and not what you want it to be five years from now. Just as there are items to avoid putting on your website, there are points that you should include on your website. It is always a good idea to brag about highly trained drivers and safety training you provide (more on this later). Be sure to note the maintenance you keep up with for your fleet, the background checks the city you operate in mandates and the highest level of driving records required for your drivers. Commercial fleet insurance underwriters like stable fleets with safe drivers. Bottom line, safer risks translates to commercial fleet insurance underwriters offering the lowest insurance rates.

2) Creating a Business Name

This may seem simple enough but for transportation business owners looking to for the lowest insurance rates, people often think that commercial fleet insurance companies give the lowest insurance rates to Limo’s and Non-Emergency Medical risks over a taxi or airport shuttle. While this might be true, cornering yourself into a specific type of transportation in your business name narrows the list of commercial fleet insurance carriers you are eligible for. Many markets write only taxis or only limos. So, if you file your business name with the Secretary of State as Laura’s Taxi & Limo Service, LLC. – it could possibly make you ineligible for a limo commercial fleet insurance program because they don’t insure taxis and vice versa – even if your unit type meets their requirements. When talking with clients, I always say it’s best to be general about the transportation type within the name of their business, especially as market conditions change. You may be heavy in taxi trips one year but then obtain a paratransit contract and do more of that the following year. The more years of favorable loss history (loss runs) you can provide, the better chance you have at obtaining the lowest insurance rates. Choosing a business name that is general such as Laura’s Transportation Service, LLC. allows you flexibility to transform and evolve your business as the industry demands change.

3) Loss Control is Everything

Underwriters give commercial fleet insurance at the lowest insurance rates to companies with low levels of paid claims. Even in a hard insurance market, with rates rising for the good guys too, you can expect to pay more for commercial fleet insurance if you’re prior insurance companies have paid a lot in claims. Here are some suggestions in tightening loss control for your transportation service company:

  •  Hire a full-time loss control or driver manager who will enforce a safety culture. Doing this, will lower the frequency and severity of claim payouts and put your transportation service company in a better position to obtain the lowest insurance rates. This person should be in charge of overseeing the overall safety of your company. Managing and coaching your drivers is the key to a successful transportation service company. You are only as good as your worst driver.
  • commercial fleet insurance Invest in cameras that capture not only accidents but also driver analytics. This type of camera system will allow you to review driver behavior and correct bad habits before they cause an accident. We like to say this method is similar to that of a professional athlete. How do they improve? They watch their game film and correct bad habits. Driving professionally is the same. The more you do it, the more comfortable you get and having drivers watch themselves reduces risky behavior dramatically. Additionally, it’s a known fact that many commercial fleet insurance claims are paid because of he said/she said situations. Having accidents on camera is the best way to know who exactly was at fault and exonerate innocent drivers.
  •  Hold weekly safety huddles and or monthly meetings. Review the data and claims that have occurred recently and talk to your drivers about how they could have been prevented.
  •  Commit to investing in annual defensive driving training for your drivers. This annual reminder to drivers will ensure that bad habits are addressed and give each driver a time to reflect on their own performance.
  • Implement a reward program for safe drivers. Giving an incentive, even if it’s small monetary gift cards – keeps your drivers focused and motivated on safe driving habits.

4) The Driver Pool

The Driver Pool is so important when trying to achieve the lowest insurance rates from commercial fleet insurance providers for your transportation company. How you chose to manage drivers and who you hire is crucial. Create formal guidelines that clearly outline what is acceptable for employment. We recommend only hiring drivers with zero accidents within the past three years and minimal moving violations. Clean MVRs are best but we know that professional drivers with experience usually do not have clean MVRs and this is ok. Professional drivers are on the road up to 3x more than someone commuting to/from work so it’s a given that they will most likely have more violations on their records. Repeat offenders can impact the cost of your commercial fleet insurance and should be let go. No one is perfect, but you should train your drivers with the goal to be as safe as possible. Excessive violations on a driving record can cause surcharges and prevent you from obtaining the lower insurance rates. Additionally, younger drivers sometimes generate higher premiums for commercial fleet insurance as well as newly licensed individuals.

5) Contact an Experienced, Transportation Insurance Broker

commercial fleet insurance

Working with a transportation specialist versus a local agency makes a huge difference as commercial fleet insurance brokers have access to many more transportation focused insurance companies. Also, an experienced broker will review your company data prior to submitting to commercial fleet insurance companies. If they see something a commercial fleet insurance company won’t like, they can address it with you and provide you with an opportunity to make changes before submitting to each carrier. The more information you can provide to a commercial fleet insurance underwriter, the better chances you have at achieving the lowest insurance rates. Because the for-hire, livery insurance market is so thin, carriers often get multiple submissions from duplicate brokers. Try to work with one broker at a time. You may think contacting multiple agencies well help you, but if they are all going to the same markets for commercial fleet insurance – it’s duplicating not only your own work, but the insurance companies as well. The livery market is a tough class of business and finding an experienced broker will absolutely give you a leg up on finding the lowest insurance rates over a generalist broker.

American Business Insurance Services, Inc. has been working with transportation companies across the nation for 35+ years. We have direct relationships with the most competitive commercial fleet insurance companies. We know what it takes to submit a complete application and present your company in the best light possible – which will no doubt translate to finding commercial fleet insurance at the lowest insurance rate.

Looking for a quote? Click here

Autonomous Car Insurance and How it Works

How Autonomous Car Insurance Works

With technology in our society advancing at such an incredible rate, all of our cars could have minds entirely of their own within years. As a matter of fact, we are on our way there already. They are not yet available on a large scale. However, autonomous cars certainly are a reality and could eventually integrate themselves fully into our everyday lives. The question that many are asking has to do with insurance for an autonomous car. Car insurance typically protects the driver and car from mistakes that are caused by the driver. So if all cars will be completely autonomous and self-sufficient from humans, what is the point of insurance? If the car gets in an accident, who is then held responsible? In this futuristic dilemma, car insurance will work a little differently than we’re used to, but American Business Insurance is prepared to handle it.

How Do Autonomous Vehicles Work?

Essentially, autonomous vehicle manufacturers and designers will think of everything that a car needs a human for and remove those needs. For example, an autonomous car will be built with a GPS in it, so it doesn’t need a person to control navigation. Many of them also have sensors in and around them, in order to help them avoid accidents. Of course, this would typically be the job of the driver. There is also the element of augmented reality. AR is a method of getting information to the driver, such as displaying it on the windshield. This information could be directions, the speed of the car, information about the music thats playing, etc. And the vehicle is the one that has it all. The would-be driver just turns into a rider, and the car handles the rest.

Changes in Insurance

Insurance for autonomous vehicles will play a different role than insurance for a regular car. Instead of the driver or owner of the vehicle being responsible for accidents, it would likely be the manufacturer of the autonomous vehicle. Now, its rare for a malfunction of the vehicle to be the cause of an accident; they are almost always a result of human error. This could be the largest change to car insurance if and when autonomous vehicles become a norm in our society. Manufacturers being held responsible for insuring each vehicle themselves will create an expensive, long-term process before the vehicles can be safely put to use. It will also require an extensive process of making sure that many ethical issues are covered.

ABI’s Role

The idea that human-operated vehicles will be obsolete in everyday life may seem plausible only in the distant future. However, functioning autonomous cars are on their way to changing transportation forever. There are countless pros to autonomous vehicles, but insuring all vehicles so that riders are promised complete safety would be the primary con. To ease the process of insuring self-driving cars, ABI’s Insurance Services have exactly what it takes for companies to make the transition from human-driven cars to self-driven cars. With 75 years of experience in transportation network companies, ABI can make riders feel safe using new technology, and help our society continue to evolve in amazing ways. ABI has direct relationships with the insurance carriers they write policies through, allowing for great efficiency and attention to detail. But you don’t have to wait for all cars to drive themselves to achieve this kind of protection and safety; contact ABI for both large and small fleet insurance today!

Taxi Cab Insurance: The Best Coverage for the Best Price

Taxi Cab Insurance

Taxis are the go-to transportation mode for people all over the country. There are many tales about heroic cabbies coming to save the day or night. Some dub the driver’s seat of taxi cab the world’s best free theater. It is important to have great taxi cab insurance!

As many heart-warming and glorious stories out there about taxi cabs, there a few less-than desirable stories as well. That’s when taxi cab insurance by ABI comes to the rescue! We have your back no matter what.

Why Taxi Cab Insurance with ABI?

Founded in 1984, ABI Insurance services offer the experience and expertise needed in the insurance realm. With new policies and insurance guidelines coming out regularly, it is important to stay in the know about any new changes. Staying up to date in policy lingo isn’t the easiest (or most amusing) pastime – so leave it to the professionals at ABI. We are also current and up to date with the newest policies when it comes to taxi cab insurance.

ABI is also one of largest commercial transportation insurance agencies. Additionally approximately 40,000 vehicles are currently covered by ABI. You can rest assured knowing that thousands of other taxi cab owners have trusted with with insuring their vehicle or fleet. For over 35+ years we have offered top of the line customer service and knowledgeable insight into taxi cab insurance.

Furthermore, at ABI we value our client’s business and take pride in the partnerships we have curated for the past 35 years. At ABI we have designed mobile apps so you can monitor your taxi cab insurance policies anytime, anywhere. Drive confidently knowing that everything you need is at your fingertips.

Benefits of Taxi Cab Insurance from ABI:

  • Customizable to your policy needs
  • Certificate issuance available in minutes
  • Mobile apps with your policy details
  • Over 35+ years of experience
  • 40,000 vehicles insured
  • Competitive pricing

Customizable Taxi Cab Insurance

We have the experience necessary to know the field. We then pair this knowledge with top of the line technology – and we do not outsource. Our in-house programmers will work directly with you to design a custom plan to meet your individual taxi cab insurance needs. We will design a policy that covers the needs of all parties involved.

We understand the time-sensitive nature and regulatory requirements involved in operating a passenger transportation company. With a specific department dedicated to certificate issuance, we are able to have our client’s vehicles on the road within minutes of a request.

We pride ourselves on providing prompt, reliable, experienced, innovative, and competitive services and solutions to our loyal customers.

Taxi Cabs: A Brief History

The first electric taxi cab came in a fleet of 600 cars to NYC. These taxis were dubbed “hummingbirds” due to the electronic humming noise they made. The word taxicab was originally used as one work after “taximeter” the device used to keep track of distance and fare. In the 1980s computer assisted taxi cabs were dispatched to those who were in need of a cab. Nowadays passengers can order a taxi cab straight from their phone to be picked up in minutes.

Paratransit Insurance: Affordable Coverage for Your Fleet

Paratransit Insurance

Having the proper paratransit insurance is very important to your paratransit automobile or fleet. The services that paratransit automobiles accomplish for the disabled is truly life changing, and deserves insurance that is equally stellar.

You need to ensure the safety and reliability of your paratransit vehicle to protect your passengers and yourself. Paratransits are essential parts of society and provide mobility to those who would otherwise not have access. Paratransit services are custom to many different disabilities and the automobiles are equipped to serve handicapped or disabled persons in the most efficient way possible.

Paratransit Transportation

Thanks to the Americans with Disabilities Act of 1990, paratransit services are now a daily reality for many American’s with disabilities. By providing transportation for those with disabilities, paratransit services are paramount to the well-being and mobility of thousands of disabled Americans.

Veterans and the elderly are just a few of the people who utilize paratransit services. Without these versatile automobiles, short trips in the car would be impossible for many disabled persons. Paratransit services not only provide essential mobility, they also greatly improve the quality of life of many people. Thanks to paratransit services, those who would otherwise not have an accessible and mobile life, are able to find their freedom.

Paratransit Insurance at ABI Insurance Services Inc

ABI Insurance Services Inc was founded in 1984 and we offer experience and expertise in the insurance realm. ABI is one of largest commercial transportation insurance agencies.

Additionally approximately 40,000 vehicles are currently covered by ABI. For over 35+ years we have offered top of the line customer service and knowledgable insight into paratransit insurance.

Furthermore, at ABI we value our client’s business and take pride in the partnerships we have curated for the past 35 years.

At ABI we have designed mobile apps so you can monitor your paratransit insurance policies anytime, anywhere. So you can rest assured knowing that everything you need is at your fingertips.

Paratransit Insurance Catered to your Specific Needs

We have the experience necessary to know the field. We then pair this knowledge with top of the line technology. Our in-house programmers will work directly with you to design a custom plan to meet your individual paratransit insurance needs. We will design a policy that covers the intricate needs of all parties involved.

At ABI, we understand the time-sensitive nature and regulatory requirements involved in operating a passenger transportation company. With a specific department dedicated to certificate issuance, we are able to have our client’s vehicles on the road within minutes of a request.

We pride ourselves on providing prompt, reliable, experienced, innovative, and competitive services and solutions to our loyal customers.

Paratransit Services Provide:

  • Mobility to disabled
  • Access to accessible transportation
  • Freedom to go places and run errands
  • Better life quality for those who are disabled

Have More Questions about Paratransit Insurance?

Visit our contact page to learn more or speak with an agent to get all your questions answered promptly.

Ready to sign up for Paratransit Insurance?

We look forward to helping you fulfill your insurance needs. Please click here to be redirected to our sign up page.

 

 

For Hire Livery Insurance

For hire livery insurance is a special type of insurance that covers vehicles used to transport people, such as Taxis, Limos, buses, and other non-emergency transport services. American Business Insurance covers a wide variety of services, that means we cover other non-traditional services other than taxis and black cars. If you are a business owner that operates a fleet of transportation vehicles, you should consider getting coverage from American Business Insurance. Why? Because at American Business Insurance we are always thinking ahead, and we have the flexibility unlike the other large insurance corporations. That is why we are introducing special insurance coverages for drivers for Uber, Lyft, Turo, and Get Around. This shows that our business is always innovating and looking for ways to change with the industry.

Introducing Period X ™ & Period Zero ™

Period X ™ & Period Zero ™ are our brand new services tailored to for hire livery services such as Uber, Lyft, Turo and Get Around. These special coverages are similar to our other fleet insurance policies, where the coverage is on a pay-per-drive or pay-per-mile basis. American Business Insurance understands that these ride sharing services are on the rise recently, and in order to counter these changes in the industry our company needs to stay innovative to be on top of the game. One of the benefits for For Hire Livery Insurance is the collision coverage. According to the Insurance company State Farm, on average a driver files an insurance claim every 17 years, or roughly one accident per 300,000 miles you drive (based on the average American driving statistics). As a ride sharing driver you will be driving A LOT more than the average American, that means you should consider getting For Hire Livery Insurance even more than the average American.

Besides Collision coverage, our for hire livery insurance coverage includes different options such as liability protection, driver protection, and vehicle protection, and also the ability to cover your medical expenses in case of an accident. At American Business Insurance, we understand that accidents to happen, and we are here to minimize the trouble for you. If you own a car and use it for ridesharing services, you should consider using American Business Insurance’s brand new Period X ™ & Period Zero ™ plans.

Other For Hire Livery Insurance Options

If you don’t drive a Uber or Lyft, we do have other coverage that targets specific non-emergency vehicles such as buses, limos, black cars, and even trucks. Some of these services include Child Transportation, Elderly transportation, and also airport transportation services. However, many of these services have certain limitations based on the vehicle and the State that the company is operating in. At American Business Insurance, we strive to provide you with the best For Hire Livery Insurance quotes that are tailored to your specific company and your situation. Our company operates across the United States, that means we know all of the Ins and Outs of each State and its specific regulations.

In conclusion, you should consider American Business Insurance if you are in the market of For Hire Livery Insurance. Throughout the 30+ years American Business Insurance is in business, we have always strived to provide the best insurance coverage tailored to your specific company. So what are you waiting for? Go online to abiweb.com and shop around our different policies, and even if you’re not in the market for For Hire Livery Insurance policies, we have other commercial insurance policies available. Get Insured today.

How ABI is Protecting HyreCar

How ABI is Protecting Hyrecar

Ride-sharing services are taking the world of transportation by storm. Uber and Lyft are constantly relied on both by riders who need to get places efficiently, and by those who are employed by either company. However, many people are not aware that vehicles must meet certain standards in order to provide rides by Uber and Lyft. Due to these specific requirements for cars, many who desire to drive for the ride-sharing service aren’t allowed the opportunity. There was nothing they could do- until Hyrecar.

The Solution

HyreCar has arrived as the first car-matching service that works hand in hand with Uber and Lyft. The concept is simple: for those who desire to drive but don’t have a car that meets the requirements, HyreCar allows you to rent one and get right to work. Most issues that are preventing certain cars from qualifying for Uber and Lyft are simply problems that are typical of older vehicles. Its a lot to ask of someone to make them purchase an entirely new vehicle just to pass the restrictions test. In turn, less people would drive for Uber and Lyft, which hurts both the would-be drivers and the companies themselves.

The Process

HyreCar realized the very simple solution to this problem, and the founders were shocked when they found that no one had discovered this niche market yet. HyreCar’s platform is easy to use, while still being thorough. It allows car owners to post their vehicles that are up for rental, and when drivers find one they want, they create a profile. This profile includes information such as driver’s license and social security numbers, and drivers can pay just by entering their credit card information into the platform. HyreCar’s founders believe that their screening process for drivers is even stricter than those of Uber and Lyft, checking things like criminal records, DMV records, and sex-offender databases.

Everybody Wins

Thanks to HyreCar, everybody involved benefits in some way. Cars that would otherwise be sitting in a garage or not in use somewhere are making their owners money. Those who wish to be drivers are given an easy way to fulfill that desire without buying a whole new car. Uber and Lyft have more drivers for their companies and therefore generate more business. HyreCar benefits by charging drivers that rent from them a 10% fee and car owners a 15% fee.

How ABI is Covering HyreCar

American Business Insurance is providing HyreCar with a unique insurance policy to ensure the highest level of safety for both the drivers and riders. When a driver is not driving for a ride-sharing platform but is still in possession of the rented car, they are covered by ABI’s policy that covers both the riders and drivers. When they are driving for a ride-sharing platform with the rented car, the insurance defaults to the state-mandated policy provided by the respective ride-sharing company.

As far as HyreCar is aware, they are the only car-matching service that utilizes a unique insurance policy such as the one provided by American Business Insurance. Thanks to ABI, HyreCar now has a competitive advantage that will likely continue to garner success for the company.

NEMT Insurance in Utah

Looking for NEMT Insurance in Utah?

Are you looking for a professional insurance agency that knows the ins-and-outs of Non-Emergency Medical Transportation, or NEMT Insurance, in Utah? American Business Insurance Services specializes in helping companies find and maintain the best amount of insurance. Our goal is to make sure that your business, employees, and customers are all protected without breaking the bank. We know that unlike standard automobiles, even a fender bender can create circumstances for a large claim due to the potentially fragile passengers being transported.

NEMT Services in UtahAmerican Business Insurance provides professional advice that will help you fully cover your business from all liabilities that could hurt your company. With this consultative-style approach, we are able to recommend the most comprehensive and most cost-effective NEMT insurance for your business. American Business Insurance Services, Inc. has been writing this class of business for over 35 years. Experience with NEMT coverage cannot be understated when you consider the vast requirements that apply to this type of policy. American Business Insurance currently offers NEMT insurance in Utah as well as nearly every other state in the U.S.

NEMT Insurance in Utah for Company Fleets

We all have loved ones, that at one time or another, are in need of consistent medical care. Whether they be our aging grandparents, parents, or even our in-laws, we want the best care for them. But sometimes, our lives get a bit hectic and busy. We can’t always find the time to escort our loved ones to doctor appointments and other medical treatment centers. Although, there are ways to make this process a little easier. Many families, hospitals, and doctor offices turn to Paratransit Service or Non-Emergency Medical Transportation (NEMT) providers to fill this need. The Americans with Disabilities Act of 1990, made paratransit service a daily reality for many Americans with disabilities. By providing transportation for those with disabilities, paratransit services are paramount to the well-being and mobility of thousands of Americans.

NEMT Insurance in Utah

Even for those who have loved ones nearby, it’s not always convenient or possible to be available at all hours. Non-emergency medical transportation in Utah can be very advantageous for individuals who are unable to use conventional transportation means. NEMT services in Utah have several benefits. First off, medical transportation services in Utah provide some of the safest transportation options available. Moreover, NEMT services are health-focused – which can be especially important for those with a disability or health condition, as well as the elderly.

non emergency medical transportation vehicle

As a NEMT business owner, this is where your company comes into play. If you are a NEMT agency that operates fleets in Utah, it’s especially important that you have NEMT insurance. American Business Insurance works with agencies to provide the best available coverage. Having the right NEMT insurance in Utah is essential in making sure your business and customers are covered in case of an incident.

When customers are looking to choose a paratransit service or agency to be responsible for their loved ones, they will be looking into the NEMT company to make sure their loved one is going to be safe and protected.  American Business Insurance Services, Inc. provides NEMT insurance to companies in Utah as well as nationwide, creating customized policies to best serve the client’s needs.

How to Decide on NEMT Insurance for Your Company Fleet

There are a lot of factors that go into finding the best NEMT insurance coverage for your non-emergency medical transportation’s large fleet. Therefore, prepare to answer a few questions when working with American Business Insurance to find you the best quote to match your business needs.

  • Are the majority of your trips for passengers ambulatory or non-ambulatory?
  • Does your company contract with LogistiCare or other providers with strict insurance requirements?
  • Do your vehicles have lifts or ramps?
  • Do your vehicles include backup cameras so your drivers can see whether or not someone in a low wheelchair is behind the vehicle when backing?

Insurance companies ask these questions to ensure you are fully covered under your policy. At American Business Insurance Services, Inc., we guarantee the most thorough coverage for your large fleet. Furthermore, we have trained professionals who will take care of everything, and will guide you through the process of properly insuring your NEMT fleet most efficiently!

Why You (the Paratransit service/agency) Need Full Coverage

Having proper paratransit or NEMT insurance is critical to operating a successful transportation business. The services that paratransit automobile fleets accomplish for those in need is truly life-changing and deserves insurance that is equally up to par.

Moreover, the reason you (the Paratransit service/agency) need NEMT fleet insurance is to ensure the safety and reliability of your paratransit service company, protecting your passengers and your business.

Coverage Requirements for Paratransit and NEMT Companies

It’s crucial to know exactly what’s in your NEMT coverage contract. At American Business Insurance, we examine the contract providers and the requirements that they have. For example, let’s look at LogistiCare.

  • $1,000,000 Combined Single Limit of Auto Liability Coverage
  • Hired & Non-Owned Coverage (Symbols 2,8,9)
  • Loading & Unloading Coverage
  • General Liability Coverage at $1,000,000 per incident $2,000,000 Aggregate
  • Sexual Abuse and Molestation Coverage (limits can vary by location)

There are other requirements in addition to the ones listed above. However, if you are missing any of those items on your insurance policy, LogistiCare will suspend your account. Many large Non-Emergency fleets have a long list of additional interests that have different insurance requirements.

Typically, we will ask for a copy of the provider insurance section of the contract to make absolutely sure that we’ve gotten your coverage written correctly. American Logistics, SoutheastTrans, and other NEMT providers have extremely particular requirements for coverage to protect them. Why is this? One answer: safety.

How Can American Business Insurance Services, Inc. Help?

If you have questions or are seeking further guidance, please don’t hesitate to contact us. Call us Monday – Friday, from 8 am to 5 pm PST: 800-980-1950 or email us anytime! We would love to help you get your NEMT business in Utah off the ground and paired with an insurer that’s right for you. Be sure to check out our social media: Instagram, Facebook, LinkedIn.

How to Save the MOST Money on Your Commercial Fleet Insurance Rates

ABI Transportation Experts Speak: How to Save the MOST Money on Your Commercial Fleet Insurance Rates

Written by Laura Loftus on Thursday, February 28th, 2019

 

When speaking with clients about their commercial fleet insurance, the most common concern is how to get the lowest insurance rates. About 100% of the customers I speak to daily all have the same goal – they want the lowest insurance rates available and will do whatever it takes to get it. Whether you own a Taxi, Limo, Paratransit or Shared Economy company (peer to peer platform app), it’s a given that you want your commercial fleet insurance coverage at the lowest insurance rates available. What many companies don’t realize, especially start-ups, is that commercial fleet insurance underwriters do quite a bit of digging on your company through a variety of platforms to “check you out” prior to releasing a quote. They read Yelp reviews, they look at your website, they do Better Business Bureau checks – all of it.

There are common mistakes that transportation service companies are repeatedly making that will create doubt in a commercial fleet insurance company. These mistakes actually prevent your broker from being able to find the lowest insurance rates for your company. Most of these companies think they are making business decisions that will guide them toward the lowest insurance rates, and are unaware that their current website or driver pool is actually hurting their chances of achieving the lowest possible commercial fleet insurance rate.

Five common flubs transportation service companies are making that prevent your commercial fleet insurance broker from obtaining the lowest insurance rates possible:

1) Company Website

The first and most common mistake we see from commercial auto risks who are in the “wheels” business as us underwriters call it – is that you over the amount of experience or size of your transportation service company.  It is common for commercial fleet insurance underwriters to google your company to pick apart your website. Here are some items you may think are helping your chances at obtaining the lowest insurance rates but are actually red flags to commercial fleet insurance companies:

  •  Words like “Fast Pick-up” or ‘Delivery in Minutes” – no commercial fleet insurance underwriter wants to see that you are promising rushed services. Rushing = equals unsafe driving behavior.

commercial fleet insurance

  • Advertising vehicles that are not actually part of your fleet. For example, just yesterday I was helping a 35-car fleet in Portland with obtaining commercial fleet insurance quotes. The list of vehicles they provided were all private passenger type vehicles (meaning seating capacity of 8 or less) – good! But when I searched the company online, they advertised a large shuttle bus and a higher seating capacity van. When I asked the client about this, they those vehicles had been sold and they had no plans to replace them. Keeping your website up to date and only advertising only what you can actually deliver will keep unwanted questions from creeping into the commercial fleet insurance underwriters’ mind. Creating uncertainty is the last thing you want to do with a commercial fleet insurance underwriter when trying to obtain the lowest insurance rates.
  •  Age of vehicles is important to commercial fleet insurance companies. Publishing a picture of a 30-year-old vehicle is no bueno. Keep your fleet serviced regularly (we recommend every three to four thousand miles and cycle out old units. Newer, cleaner & well-maintained vehicles are not only more desired by clientele (when trying to compete with Uber/Lyft) but also preferred by commercial fleet insurance companies trying to avoid claims due to mechanical defect.
  • If you boast 20 years of experience but your LLC was filed three years ago, it creates uncertainty with insurance companies. It’s better to accurately reflect your business as it is now, and not what you want it to be five years from now. Just as there are items to avoid putting on your website, there are points that you should include on your website. It is always a good idea to brag about highly trained drivers and safety training you provide (more on this later). Be sure to note the maintenance you keep up with for your fleet, the background checks the city you operate in mandates and the highest level of driving records required for your drivers. Commercial fleet insurance underwriters like stable fleets with safe drivers. Bottom line, safer risks translates to commercial fleet insurance underwriters offering the lowest insurance rates.

2) Creating a Business Name

This may seem simple enough but for transportation business owners looking to for the lowest insurance rates, people often think that commercial fleet insurance companies give the lowest insurance rates to Limo’s and Non-Emergency Medical risks over a taxi or airport shuttle. While this might be true, cornering yourself into a specific type of transportation in your business name narrows the list of commercial fleet insurance carriers you are eligible for. Many markets write only taxis or only limos. So, if you file your business name with the Secretary of State as Laura’s Taxi & Limo Service, LLC. – it could possibly make you ineligible for a limo commercial fleet insurance program because they don’t insure taxis and vice versa – even if your unit type meets their requirements. When talking with clients, I always say it’s best to be general about the transportation type within the name of their business, especially as market conditions change. You may be heavy in taxi trips one year but then obtain a paratransit contract and do more of that the following year. The more years of favorable loss history (loss runs) you can provide, the better chance you have at obtaining the lowest insurance rates. Choosing a business name that is general such as Laura’s Transportation Service, LLC. allows you flexibility to transform and evolve your business as the industry demands change.

3) Loss Control is Everything

Underwriters give commercial fleet insurance at the lowest insurance rates to companies with low levels of paid claims. Even in a hard insurance market, with rates rising for the good guys too, you can expect to pay more for commercial fleet insurance if you’re prior insurance companies have paid a lot in claims. Here are some suggestions in tightening loss control for your transportation service company:

  •  Hire a full-time loss control or driver manager who will enforce a safety culture. Doing this, will lower the frequency and severity of claim payouts and put your transportation service company in a better position to obtain the lowest insurance rates. This person should be in charge of overseeing the overall safety of your company. Managing and coaching your drivers is the key to a successful transportation service company. You are only as good as your worst driver.
  • commercial fleet insurance Invest in cameras that capture not only accidents but also driver analytics. This type of camera system will allow you to review driver behavior and correct bad habits before they cause an accident. We like to say this method is similar to that of a professional athlete. How do they improve? They watch their game film and correct bad habits. Driving professionally is the same. The more you do it, the more comfortable you get and having drivers watch themselves reduces risky behavior dramatically. Additionally, it’s a known fact that many commercial fleet insurance claims are paid because of he said/she said situations. Having accidents on camera is the best way to know who exactly was at fault and exonerate innocent drivers.
  •  Hold weekly safety huddles and or monthly meetings. Review the data and claims that have occurred recently and talk to your drivers about how they could have been prevented.
  •  Commit to investing in annual defensive driving training for your drivers. This annual reminder to drivers will ensure that bad habits are addressed and give each driver a time to reflect on their own performance.
  • Implement a reward program for safe drivers. Giving an incentive, even if it’s small monetary gift cards – keeps your drivers focused and motivated on safe driving habits.

4) The Driver Pool

The Driver Pool is so important when trying to achieve the lowest insurance rates from commercial fleet insurance providers for your transportation company. How you chose to manage drivers and who you hire is crucial. Create formal guidelines that clearly outline what is acceptable for employment. We recommend only hiring drivers with zero accidents within the past three years and minimal moving violations. Clean MVRs are best but we know that professional drivers with experience usually do not have clean MVRs and this is ok. Professional drivers are on the road up to 3x more than someone commuting to/from work so it’s a given that they will most likely have more violations on their records. Repeat offenders can impact the cost of your commercial fleet insurance and should be let go. No one is perfect, but you should train your drivers with the goal to be as safe as possible. Excessive violations on a driving record can cause surcharges and prevent you from obtaining the lower insurance rates. Additionally, younger drivers sometimes generate higher premiums for commercial fleet insurance as well as newly licensed individuals.

5) Contact an Experienced, Transportation Insurance Broker

commercial fleet insurance

Working with a transportation specialist versus a local agency makes a huge difference as commercial fleet insurance brokers have access to many more transportation focused insurance companies. Also, an experienced broker will review your company data prior to submitting to commercial fleet insurance companies. If they see something a commercial fleet insurance company won’t like, they can address it with you and provide you with an opportunity to make changes before submitting to each carrier. The more information you can provide to a commercial fleet insurance underwriter, the better chances you have at achieving the lowest insurance rates. Because the for-hire, livery insurance market is so thin, carriers often get multiple submissions from duplicate brokers. Try to work with one broker at a time. You may think contacting multiple agencies well help you, but if they are all going to the same markets for commercial fleet insurance – it’s duplicating not only your own work, but the insurance companies as well. The livery market is a tough class of business and finding an experienced broker will absolutely give you a leg up on finding the lowest insurance rates over a generalist broker.

American Business Insurance Services, Inc. has been working with transportation companies across the nation for 35+ years. We have direct relationships with the most competitive commercial fleet insurance companies. We know what it takes to submit a complete application and present your company in the best light possible – which will no doubt translate to finding commercial fleet insurance at the lowest insurance rate.

Looking for a quote? Click here

Autonomous Car Insurance and How it Works

How Autonomous Car Insurance Works

With technology in our society advancing at such an incredible rate, all of our cars could have minds entirely of their own within years. As a matter of fact, we are on our way there already. They are not yet available on a large scale. However, autonomous cars certainly are a reality and could eventually integrate themselves fully into our everyday lives. The question that many are asking has to do with insurance for an autonomous car. Car insurance typically protects the driver and car from mistakes that are caused by the driver. So if all cars will be completely autonomous and self-sufficient from humans, what is the point of insurance? If the car gets in an accident, who is then held responsible? In this futuristic dilemma, car insurance will work a little differently than we’re used to, but American Business Insurance is prepared to handle it.

How Do Autonomous Vehicles Work?

Essentially, autonomous vehicle manufacturers and designers will think of everything that a car needs a human for and remove those needs. For example, an autonomous car will be built with a GPS in it, so it doesn’t need a person to control navigation. Many of them also have sensors in and around them, in order to help them avoid accidents. Of course, this would typically be the job of the driver. There is also the element of augmented reality. AR is a method of getting information to the driver, such as displaying it on the windshield. This information could be directions, the speed of the car, information about the music thats playing, etc. And the vehicle is the one that has it all. The would-be driver just turns into a rider, and the car handles the rest.

Changes in Insurance

Insurance for autonomous vehicles will play a different role than insurance for a regular car. Instead of the driver or owner of the vehicle being responsible for accidents, it would likely be the manufacturer of the autonomous vehicle. Now, its rare for a malfunction of the vehicle to be the cause of an accident; they are almost always a result of human error. This could be the largest change to car insurance if and when autonomous vehicles become a norm in our society. Manufacturers being held responsible for insuring each vehicle themselves will create an expensive, long-term process before the vehicles can be safely put to use. It will also require an extensive process of making sure that many ethical issues are covered.

ABI’s Role

The idea that human-operated vehicles will be obsolete in everyday life may seem plausible only in the distant future. However, functioning autonomous cars are on their way to changing transportation forever. There are countless pros to autonomous vehicles, but insuring all vehicles so that riders are promised complete safety would be the primary con. To ease the process of insuring self-driving cars, ABI’s Insurance Services have exactly what it takes for companies to make the transition from human-driven cars to self-driven cars. With 75 years of experience in transportation network companies, ABI can make riders feel safe using new technology, and help our society continue to evolve in amazing ways. ABI has direct relationships with the insurance carriers they write policies through, allowing for great efficiency and attention to detail. But you don’t have to wait for all cars to drive themselves to achieve this kind of protection and safety; contact ABI for both large and small fleet insurance today!

Taxi Cab Insurance: The Best Coverage for the Best Price

Taxi Cab Insurance

Taxis are the go-to transportation mode for people all over the country. There are many tales about heroic cabbies coming to save the day or night. Some dub the driver’s seat of taxi cab the world’s best free theater. It is important to have great taxi cab insurance!

As many heart-warming and glorious stories out there about taxi cabs, there a few less-than desirable stories as well. That’s when taxi cab insurance by ABI comes to the rescue! We have your back no matter what.

Why Taxi Cab Insurance with ABI?

Founded in 1984, ABI Insurance services offer the experience and expertise needed in the insurance realm. With new policies and insurance guidelines coming out regularly, it is important to stay in the know about any new changes. Staying up to date in policy lingo isn’t the easiest (or most amusing) pastime – so leave it to the professionals at ABI. We are also current and up to date with the newest policies when it comes to taxi cab insurance.

ABI is also one of largest commercial transportation insurance agencies. Additionally approximately 40,000 vehicles are currently covered by ABI. You can rest assured knowing that thousands of other taxi cab owners have trusted with with insuring their vehicle or fleet. For over 35+ years we have offered top of the line customer service and knowledgeable insight into taxi cab insurance.

Furthermore, at ABI we value our client’s business and take pride in the partnerships we have curated for the past 35 years. At ABI we have designed mobile apps so you can monitor your taxi cab insurance policies anytime, anywhere. Drive confidently knowing that everything you need is at your fingertips.

Benefits of Taxi Cab Insurance from ABI:

  • Customizable to your policy needs
  • Certificate issuance available in minutes
  • Mobile apps with your policy details
  • Over 35+ years of experience
  • 40,000 vehicles insured
  • Competitive pricing

Customizable Taxi Cab Insurance

We have the experience necessary to know the field. We then pair this knowledge with top of the line technology – and we do not outsource. Our in-house programmers will work directly with you to design a custom plan to meet your individual taxi cab insurance needs. We will design a policy that covers the needs of all parties involved.

We understand the time-sensitive nature and regulatory requirements involved in operating a passenger transportation company. With a specific department dedicated to certificate issuance, we are able to have our client’s vehicles on the road within minutes of a request.

We pride ourselves on providing prompt, reliable, experienced, innovative, and competitive services and solutions to our loyal customers.

Taxi Cabs: A Brief History

The first electric taxi cab came in a fleet of 600 cars to NYC. These taxis were dubbed “hummingbirds” due to the electronic humming noise they made. The word taxicab was originally used as one work after “taximeter” the device used to keep track of distance and fare. In the 1980s computer assisted taxi cabs were dispatched to those who were in need of a cab. Nowadays passengers can order a taxi cab straight from their phone to be picked up in minutes.

Paratransit Insurance: Affordable Coverage for Your Fleet

Paratransit Insurance

Having the proper paratransit insurance is very important to your paratransit automobile or fleet. The services that paratransit automobiles accomplish for the disabled is truly life changing, and deserves insurance that is equally stellar.

You need to ensure the safety and reliability of your paratransit vehicle to protect your passengers and yourself. Paratransits are essential parts of society and provide mobility to those who would otherwise not have access. Paratransit services are custom to many different disabilities and the automobiles are equipped to serve handicapped or disabled persons in the most efficient way possible.

Paratransit Transportation

Thanks to the Americans with Disabilities Act of 1990, paratransit services are now a daily reality for many American’s with disabilities. By providing transportation for those with disabilities, paratransit services are paramount to the well-being and mobility of thousands of disabled Americans.

Veterans and the elderly are just a few of the people who utilize paratransit services. Without these versatile automobiles, short trips in the car would be impossible for many disabled persons. Paratransit services not only provide essential mobility, they also greatly improve the quality of life of many people. Thanks to paratransit services, those who would otherwise not have an accessible and mobile life, are able to find their freedom.

Paratransit Insurance at ABI Insurance Services Inc

ABI Insurance Services Inc was founded in 1984 and we offer experience and expertise in the insurance realm. ABI is one of largest commercial transportation insurance agencies.

Additionally approximately 40,000 vehicles are currently covered by ABI. For over 35+ years we have offered top of the line customer service and knowledgable insight into paratransit insurance.

Furthermore, at ABI we value our client’s business and take pride in the partnerships we have curated for the past 35 years.

At ABI we have designed mobile apps so you can monitor your paratransit insurance policies anytime, anywhere. So you can rest assured knowing that everything you need is at your fingertips.

Paratransit Insurance Catered to your Specific Needs

We have the experience necessary to know the field. We then pair this knowledge with top of the line technology. Our in-house programmers will work directly with you to design a custom plan to meet your individual paratransit insurance needs. We will design a policy that covers the intricate needs of all parties involved.

At ABI, we understand the time-sensitive nature and regulatory requirements involved in operating a passenger transportation company. With a specific department dedicated to certificate issuance, we are able to have our client’s vehicles on the road within minutes of a request.

We pride ourselves on providing prompt, reliable, experienced, innovative, and competitive services and solutions to our loyal customers.

Paratransit Services Provide:

  • Mobility to disabled
  • Access to accessible transportation
  • Freedom to go places and run errands
  • Better life quality for those who are disabled

Have More Questions about Paratransit Insurance?

Visit our contact page to learn more or speak with an agent to get all your questions answered promptly.

Ready to sign up for Paratransit Insurance?

We look forward to helping you fulfill your insurance needs. Please click here to be redirected to our sign up page.

 

 

For Hire Livery Insurance

For hire livery insurance is a special type of insurance that covers vehicles used to transport people, such as Taxis, Limos, buses, and other non-emergency transport services. American Business Insurance covers a wide variety of services, that means we cover other non-traditional services other than taxis and black cars. If you are a business owner that operates a fleet of transportation vehicles, you should consider getting coverage from American Business Insurance. Why? Because at American Business Insurance we are always thinking ahead, and we have the flexibility unlike the other large insurance corporations. That is why we are introducing special insurance coverages for drivers for Uber, Lyft, Turo, and Get Around. This shows that our business is always innovating and looking for ways to change with the industry.

Introducing Period X ™ & Period Zero ™

Period X ™ & Period Zero ™ are our brand new services tailored to for hire livery services such as Uber, Lyft, Turo and Get Around. These special coverages are similar to our other fleet insurance policies, where the coverage is on a pay-per-drive or pay-per-mile basis. American Business Insurance understands that these ride sharing services are on the rise recently, and in order to counter these changes in the industry our company needs to stay innovative to be on top of the game. One of the benefits for For Hire Livery Insurance is the collision coverage. According to the Insurance company State Farm, on average a driver files an insurance claim every 17 years, or roughly one accident per 300,000 miles you drive (based on the average American driving statistics). As a ride sharing driver you will be driving A LOT more than the average American, that means you should consider getting For Hire Livery Insurance even more than the average American.

Besides Collision coverage, our for hire livery insurance coverage includes different options such as liability protection, driver protection, and vehicle protection, and also the ability to cover your medical expenses in case of an accident. At American Business Insurance, we understand that accidents to happen, and we are here to minimize the trouble for you. If you own a car and use it for ridesharing services, you should consider using American Business Insurance’s brand new Period X ™ & Period Zero ™ plans.

Other For Hire Livery Insurance Options

If you don’t drive a Uber or Lyft, we do have other coverage that targets specific non-emergency vehicles such as buses, limos, black cars, and even trucks. Some of these services include Child Transportation, Elderly transportation, and also airport transportation services. However, many of these services have certain limitations based on the vehicle and the State that the company is operating in. At American Business Insurance, we strive to provide you with the best For Hire Livery Insurance quotes that are tailored to your specific company and your situation. Our company operates across the United States, that means we know all of the Ins and Outs of each State and its specific regulations.

In conclusion, you should consider American Business Insurance if you are in the market of For Hire Livery Insurance. Throughout the 30+ years American Business Insurance is in business, we have always strived to provide the best insurance coverage tailored to your specific company. So what are you waiting for? Go online to abiweb.com and shop around our different policies, and even if you’re not in the market for For Hire Livery Insurance policies, we have other commercial insurance policies available. Get Insured today.

How ABI is Protecting HyreCar

How ABI is Protecting Hyrecar

Ride-sharing services are taking the world of transportation by storm. Uber and Lyft are constantly relied on both by riders who need to get places efficiently, and by those who are employed by either company. However, many people are not aware that vehicles must meet certain standards in order to provide rides by Uber and Lyft. Due to these specific requirements for cars, many who desire to drive for the ride-sharing service aren’t allowed the opportunity. There was nothing they could do- until Hyrecar.

The Solution

HyreCar has arrived as the first car-matching service that works hand in hand with Uber and Lyft. The concept is simple: for those who desire to drive but don’t have a car that meets the requirements, HyreCar allows you to rent one and get right to work. Most issues that are preventing certain cars from qualifying for Uber and Lyft are simply problems that are typical of older vehicles. Its a lot to ask of someone to make them purchase an entirely new vehicle just to pass the restrictions test. In turn, less people would drive for Uber and Lyft, which hurts both the would-be drivers and the companies themselves.

The Process

HyreCar realized the very simple solution to this problem, and the founders were shocked when they found that no one had discovered this niche market yet. HyreCar’s platform is easy to use, while still being thorough. It allows car owners to post their vehicles that are up for rental, and when drivers find one they want, they create a profile. This profile includes information such as driver’s license and social security numbers, and drivers can pay just by entering their credit card information into the platform. HyreCar’s founders believe that their screening process for drivers is even stricter than those of Uber and Lyft, checking things like criminal records, DMV records, and sex-offender databases.

Everybody Wins

Thanks to HyreCar, everybody involved benefits in some way. Cars that would otherwise be sitting in a garage or not in use somewhere are making their owners money. Those who wish to be drivers are given an easy way to fulfill that desire without buying a whole new car. Uber and Lyft have more drivers for their companies and therefore generate more business. HyreCar benefits by charging drivers that rent from them a 10% fee and car owners a 15% fee.

How ABI is Covering HyreCar

American Business Insurance is providing HyreCar with a unique insurance policy to ensure the highest level of safety for both the drivers and riders. When a driver is not driving for a ride-sharing platform but is still in possession of the rented car, they are covered by ABI’s policy that covers both the riders and drivers. When they are driving for a ride-sharing platform with the rented car, the insurance defaults to the state-mandated policy provided by the respective ride-sharing company.

As far as HyreCar is aware, they are the only car-matching service that utilizes a unique insurance policy such as the one provided by American Business Insurance. Thanks to ABI, HyreCar now has a competitive advantage that will likely continue to garner success for the company.

NEMT Insurance in Utah

Looking for NEMT Insurance in Utah?

Are you looking for a professional insurance agency that knows the ins-and-outs of Non-Emergency Medical Transportation, or NEMT Insurance, in Utah? American Business Insurance Services specializes in helping companies find and maintain the best amount of insurance. Our goal is to make sure that your business, employees, and customers are all protected without breaking the bank. We know that unlike standard automobiles, even a fender bender can create circumstances for a large claim due to the potentially fragile passengers being transported.

NEMT Services in UtahAmerican Business Insurance provides professional advice that will help you fully cover your business from all liabilities that could hurt your company. With this consultative-style approach, we are able to recommend the most comprehensive and most cost-effective NEMT insurance for your business. American Business Insurance Services, Inc. has been writing this class of business for over 35 years. Experience with NEMT coverage cannot be understated when you consider the vast requirements that apply to this type of policy. American Business Insurance currently offers NEMT insurance in Utah as well as nearly every other state in the U.S.

NEMT Insurance in Utah for Company Fleets

We all have loved ones, that at one time or another, are in need of consistent medical care. Whether they be our aging grandparents, parents, or even our in-laws, we want the best care for them. But sometimes, our lives get a bit hectic and busy. We can’t always find the time to escort our loved ones to doctor appointments and other medical treatment centers. Although, there are ways to make this process a little easier. Many families, hospitals, and doctor offices turn to Paratransit Service or Non-Emergency Medical Transportation (NEMT) providers to fill this need. The Americans with Disabilities Act of 1990, made paratransit service a daily reality for many Americans with disabilities. By providing transportation for those with disabilities, paratransit services are paramount to the well-being and mobility of thousands of Americans.

NEMT Insurance in Utah

Even for those who have loved ones nearby, it’s not always convenient or possible to be available at all hours. Non-emergency medical transportation in Utah can be very advantageous for individuals who are unable to use conventional transportation means. NEMT services in Utah have several benefits. First off, medical transportation services in Utah provide some of the safest transportation options available. Moreover, NEMT services are health-focused – which can be especially important for those with a disability or health condition, as well as the elderly.

non emergency medical transportation vehicle

As a NEMT business owner, this is where your company comes into play. If you are a NEMT agency that operates fleets in Utah, it’s especially important that you have NEMT insurance. American Business Insurance works with agencies to provide the best available coverage. Having the right NEMT insurance in Utah is essential in making sure your business and customers are covered in case of an incident.

When customers are looking to choose a paratransit service or agency to be responsible for their loved ones, they will be looking into the NEMT company to make sure their loved one is going to be safe and protected.  American Business Insurance Services, Inc. provides NEMT insurance to companies in Utah as well as nationwide, creating customized policies to best serve the client’s needs.

How to Decide on NEMT Insurance for Your Company Fleet

There are a lot of factors that go into finding the best NEMT insurance coverage for your non-emergency medical transportation’s large fleet. Therefore, prepare to answer a few questions when working with American Business Insurance to find you the best quote to match your business needs.

  • Are the majority of your trips for passengers ambulatory or non-ambulatory?
  • Does your company contract with LogistiCare or other providers with strict insurance requirements?
  • Do your vehicles have lifts or ramps?
  • Do your vehicles include backup cameras so your drivers can see whether or not someone in a low wheelchair is behind the vehicle when backing?

Insurance companies ask these questions to ensure you are fully covered under your policy. At American Business Insurance Services, Inc., we guarantee the most thorough coverage for your large fleet. Furthermore, we have trained professionals who will take care of everything, and will guide you through the process of properly insuring your NEMT fleet most efficiently!

Why You (the Paratransit service/agency) Need Full Coverage

Having proper paratransit or NEMT insurance is critical to operating a successful transportation business. The services that paratransit automobile fleets accomplish for those in need is truly life-changing and deserves insurance that is equally up to par.

Moreover, the reason you (the Paratransit service/agency) need NEMT fleet insurance is to ensure the safety and reliability of your paratransit service company, protecting your passengers and your business.

Coverage Requirements for Paratransit and NEMT Companies

It’s crucial to know exactly what’s in your NEMT coverage contract. At American Business Insurance, we examine the contract providers and the requirements that they have. For example, let’s look at LogistiCare.

  • $1,000,000 Combined Single Limit of Auto Liability Coverage
  • Hired & Non-Owned Coverage (Symbols 2,8,9)
  • Loading & Unloading Coverage
  • General Liability Coverage at $1,000,000 per incident $2,000,000 Aggregate
  • Sexual Abuse and Molestation Coverage (limits can vary by location)

There are other requirements in addition to the ones listed above. However, if you are missing any of those items on your insurance policy, LogistiCare will suspend your account. Many large Non-Emergency fleets have a long list of additional interests that have different insurance requirements.

Typically, we will ask for a copy of the provider insurance section of the contract to make absolutely sure that we’ve gotten your coverage written correctly. American Logistics, SoutheastTrans, and other NEMT providers have extremely particular requirements for coverage to protect them. Why is this? One answer: safety.

How Can American Business Insurance Services, Inc. Help?

If you have questions or are seeking further guidance, please don’t hesitate to contact us. Call us Monday – Friday, from 8 am to 5 pm PST: 800-980-1950 or email us anytime! We would love to help you get your NEMT business in Utah off the ground and paired with an insurer that’s right for you. Be sure to check out our social media: Instagram, Facebook, LinkedIn.

How to Save the MOST Money on Your Commercial Fleet Insurance Rates

ABI Transportation Experts Speak: How to Save the MOST Money on Your Commercial Fleet Insurance Rates

Written by Laura Loftus on Thursday, February 28th, 2019

 

When speaking with clients about their commercial fleet insurance, the most common concern is how to get the lowest insurance rates. About 100% of the customers I speak to daily all have the same goal – they want the lowest insurance rates available and will do whatever it takes to get it. Whether you own a Taxi, Limo, Paratransit or Shared Economy company (peer to peer platform app), it’s a given that you want your commercial fleet insurance coverage at the lowest insurance rates available. What many companies don’t realize, especially start-ups, is that commercial fleet insurance underwriters do quite a bit of digging on your company through a variety of platforms to “check you out” prior to releasing a quote. They read Yelp reviews, they look at your website, they do Better Business Bureau checks – all of it.

There are common mistakes that transportation service companies are repeatedly making that will create doubt in a commercial fleet insurance company. These mistakes actually prevent your broker from being able to find the lowest insurance rates for your company. Most of these companies think they are making business decisions that will guide them toward the lowest insurance rates, and are unaware that their current website or driver pool is actually hurting their chances of achieving the lowest possible commercial fleet insurance rate.

Five common flubs transportation service companies are making that prevent your commercial fleet insurance broker from obtaining the lowest insurance rates possible:

1) Company Website

The first and most common mistake we see from commercial auto risks who are in the “wheels” business as us underwriters call it – is that you over the amount of experience or size of your transportation service company.  It is common for commercial fleet insurance underwriters to google your company to pick apart your website. Here are some items you may think are helping your chances at obtaining the lowest insurance rates but are actually red flags to commercial fleet insurance companies:

  •  Words like “Fast Pick-up” or ‘Delivery in Minutes” – no commercial fleet insurance underwriter wants to see that you are promising rushed services. Rushing = equals unsafe driving behavior.

commercial fleet insurance

  • Advertising vehicles that are not actually part of your fleet. For example, just yesterday I was helping a 35-car fleet in Portland with obtaining commercial fleet insurance quotes. The list of vehicles they provided were all private passenger type vehicles (meaning seating capacity of 8 or less) – good! But when I searched the company online, they advertised a large shuttle bus and a higher seating capacity van. When I asked the client about this, they those vehicles had been sold and they had no plans to replace them. Keeping your website up to date and only advertising only what you can actually deliver will keep unwanted questions from creeping into the commercial fleet insurance underwriters’ mind. Creating uncertainty is the last thing you want to do with a commercial fleet insurance underwriter when trying to obtain the lowest insurance rates.
  •  Age of vehicles is important to commercial fleet insurance companies. Publishing a picture of a 30-year-old vehicle is no bueno. Keep your fleet serviced regularly (we recommend every three to four thousand miles and cycle out old units. Newer, cleaner & well-maintained vehicles are not only more desired by clientele (when trying to compete with Uber/Lyft) but also preferred by commercial fleet insurance companies trying to avoid claims due to mechanical defect.
  • If you boast 20 years of experience but your LLC was filed three years ago, it creates uncertainty with insurance companies. It’s better to accurately reflect your business as it is now, and not what you want it to be five years from now. Just as there are items to avoid putting on your website, there are points that you should include on your website. It is always a good idea to brag about highly trained drivers and safety training you provide (more on this later). Be sure to note the maintenance you keep up with for your fleet, the background checks the city you operate in mandates and the highest level of driving records required for your drivers. Commercial fleet insurance underwriters like stable fleets with safe drivers. Bottom line, safer risks translates to commercial fleet insurance underwriters offering the lowest insurance rates.

2) Creating a Business Name

This may seem simple enough but for transportation business owners looking to for the lowest insurance rates, people often think that commercial fleet insurance companies give the lowest insurance rates to Limo’s and Non-Emergency Medical risks over a taxi or airport shuttle. While this might be true, cornering yourself into a specific type of transportation in your business name narrows the list of commercial fleet insurance carriers you are eligible for. Many markets write only taxis or only limos. So, if you file your business name with the Secretary of State as Laura’s Taxi & Limo Service, LLC. – it could possibly make you ineligible for a limo commercial fleet insurance program because they don’t insure taxis and vice versa – even if your unit type meets their requirements. When talking with clients, I always say it’s best to be general about the transportation type within the name of their business, especially as market conditions change. You may be heavy in taxi trips one year but then obtain a paratransit contract and do more of that the following year. The more years of favorable loss history (loss runs) you can provide, the better chance you have at obtaining the lowest insurance rates. Choosing a business name that is general such as Laura’s Transportation Service, LLC. allows you flexibility to transform and evolve your business as the industry demands change.

3) Loss Control is Everything

Underwriters give commercial fleet insurance at the lowest insurance rates to companies with low levels of paid claims. Even in a hard insurance market, with rates rising for the good guys too, you can expect to pay more for commercial fleet insurance if you’re prior insurance companies have paid a lot in claims. Here are some suggestions in tightening loss control for your transportation service company:

  •  Hire a full-time loss control or driver manager who will enforce a safety culture. Doing this, will lower the frequency and severity of claim payouts and put your transportation service company in a better position to obtain the lowest insurance rates. This person should be in charge of overseeing the overall safety of your company. Managing and coaching your drivers is the key to a successful transportation service company. You are only as good as your worst driver.
  • commercial fleet insurance Invest in cameras that capture not only accidents but also driver analytics. This type of camera system will allow you to review driver behavior and correct bad habits before they cause an accident. We like to say this method is similar to that of a professional athlete. How do they improve? They watch their game film and correct bad habits. Driving professionally is the same. The more you do it, the more comfortable you get and having drivers watch themselves reduces risky behavior dramatically. Additionally, it’s a known fact that many commercial fleet insurance claims are paid because of he said/she said situations. Having accidents on camera is the best way to know who exactly was at fault and exonerate innocent drivers.
  •  Hold weekly safety huddles and or monthly meetings. Review the data and claims that have occurred recently and talk to your drivers about how they could have been prevented.
  •  Commit to investing in annual defensive driving training for your drivers. This annual reminder to drivers will ensure that bad habits are addressed and give each driver a time to reflect on their own performance.
  • Implement a reward program for safe drivers. Giving an incentive, even if it’s small monetary gift cards – keeps your drivers focused and motivated on safe driving habits.

4) The Driver Pool

The Driver Pool is so important when trying to achieve the lowest insurance rates from commercial fleet insurance providers for your transportation company. How you chose to manage drivers and who you hire is crucial. Create formal guidelines that clearly outline what is acceptable for employment. We recommend only hiring drivers with zero accidents within the past three years and minimal moving violations. Clean MVRs are best but we know that professional drivers with experience usually do not have clean MVRs and this is ok. Professional drivers are on the road up to 3x more than someone commuting to/from work so it’s a given that they will most likely have more violations on their records. Repeat offenders can impact the cost of your commercial fleet insurance and should be let go. No one is perfect, but you should train your drivers with the goal to be as safe as possible. Excessive violations on a driving record can cause surcharges and prevent you from obtaining the lower insurance rates. Additionally, younger drivers sometimes generate higher premiums for commercial fleet insurance as well as newly licensed individuals.

5) Contact an Experienced, Transportation Insurance Broker

commercial fleet insurance

Working with a transportation specialist versus a local agency makes a huge difference as commercial fleet insurance brokers have access to many more transportation focused insurance companies. Also, an experienced broker will review your company data prior to submitting to commercial fleet insurance companies. If they see something a commercial fleet insurance company won’t like, they can address it with you and provide you with an opportunity to make changes before submitting to each carrier. The more information you can provide to a commercial fleet insurance underwriter, the better chances you have at achieving the lowest insurance rates. Because the for-hire, livery insurance market is so thin, carriers often get multiple submissions from duplicate brokers. Try to work with one broker at a time. You may think contacting multiple agencies well help you, but if they are all going to the same markets for commercial fleet insurance – it’s duplicating not only your own work, but the insurance companies as well. The livery market is a tough class of business and finding an experienced broker will absolutely give you a leg up on finding the lowest insurance rates over a generalist broker.

American Business Insurance Services, Inc. has been working with transportation companies across the nation for 35+ years. We have direct relationships with the most competitive commercial fleet insurance companies. We know what it takes to submit a complete application and present your company in the best light possible – which will no doubt translate to finding commercial fleet insurance at the lowest insurance rate.

Looking for a quote? Click here

Autonomous Car Insurance and How it Works

How Autonomous Car Insurance Works

With technology in our society advancing at such an incredible rate, all of our cars could have minds entirely of their own within years. As a matter of fact, we are on our way there already. They are not yet available on a large scale. However, autonomous cars certainly are a reality and could eventually integrate themselves fully into our everyday lives. The question that many are asking has to do with insurance for an autonomous car. Car insurance typically protects the driver and car from mistakes that are caused by the driver. So if all cars will be completely autonomous and self-sufficient from humans, what is the point of insurance? If the car gets in an accident, who is then held responsible? In this futuristic dilemma, car insurance will work a little differently than we’re used to, but American Business Insurance is prepared to handle it.

How Do Autonomous Vehicles Work?

Essentially, autonomous vehicle manufacturers and designers will think of everything that a car needs a human for and remove those needs. For example, an autonomous car will be built with a GPS in it, so it doesn’t need a person to control navigation. Many of them also have sensors in and around them, in order to help them avoid accidents. Of course, this would typically be the job of the driver. There is also the element of augmented reality. AR is a method of getting information to the driver, such as displaying it on the windshield. This information could be directions, the speed of the car, information about the music thats playing, etc. And the vehicle is the one that has it all. The would-be driver just turns into a rider, and the car handles the rest.

Changes in Insurance

Insurance for autonomous vehicles will play a different role than insurance for a regular car. Instead of the driver or owner of the vehicle being responsible for accidents, it would likely be the manufacturer of the autonomous vehicle. Now, its rare for a malfunction of the vehicle to be the cause of an accident; they are almost always a result of human error. This could be the largest change to car insurance if and when autonomous vehicles become a norm in our society. Manufacturers being held responsible for insuring each vehicle themselves will create an expensive, long-term process before the vehicles can be safely put to use. It will also require an extensive process of making sure that many ethical issues are covered.

ABI’s Role

The idea that human-operated vehicles will be obsolete in everyday life may seem plausible only in the distant future. However, functioning autonomous cars are on their way to changing transportation forever. There are countless pros to autonomous vehicles, but insuring all vehicles so that riders are promised complete safety would be the primary con. To ease the process of insuring self-driving cars, ABI’s Insurance Services have exactly what it takes for companies to make the transition from human-driven cars to self-driven cars. With 75 years of experience in transportation network companies, ABI can make riders feel safe using new technology, and help our society continue to evolve in amazing ways. ABI has direct relationships with the insurance carriers they write policies through, allowing for great efficiency and attention to detail. But you don’t have to wait for all cars to drive themselves to achieve this kind of protection and safety; contact ABI for both large and small fleet insurance today!

Taxi Cab Insurance: The Best Coverage for the Best Price

Taxi Cab Insurance

Taxis are the go-to transportation mode for people all over the country. There are many tales about heroic cabbies coming to save the day or night. Some dub the driver’s seat of taxi cab the world’s best free theater. It is important to have great taxi cab insurance!

As many heart-warming and glorious stories out there about taxi cabs, there a few less-than desirable stories as well. That’s when taxi cab insurance by ABI comes to the rescue! We have your back no matter what.

Why Taxi Cab Insurance with ABI?

Founded in 1984, ABI Insurance services offer the experience and expertise needed in the insurance realm. With new policies and insurance guidelines coming out regularly, it is important to stay in the know about any new changes. Staying up to date in policy lingo isn’t the easiest (or most amusing) pastime – so leave it to the professionals at ABI. We are also current and up to date with the newest policies when it comes to taxi cab insurance.

ABI is also one of largest commercial transportation insurance agencies. Additionally approximately 40,000 vehicles are currently covered by ABI. You can rest assured knowing that thousands of other taxi cab owners have trusted with with insuring their vehicle or fleet. For over 35+ years we have offered top of the line customer service and knowledgeable insight into taxi cab insurance.

Furthermore, at ABI we value our client’s business and take pride in the partnerships we have curated for the past 35 years. At ABI we have designed mobile apps so you can monitor your taxi cab insurance policies anytime, anywhere. Drive confidently knowing that everything you need is at your fingertips.

Benefits of Taxi Cab Insurance from ABI:

  • Customizable to your policy needs
  • Certificate issuance available in minutes
  • Mobile apps with your policy details
  • Over 35+ years of experience
  • 40,000 vehicles insured
  • Competitive pricing

Customizable Taxi Cab Insurance

We have the experience necessary to know the field. We then pair this knowledge with top of the line technology – and we do not outsource. Our in-house programmers will work directly with you to design a custom plan to meet your individual taxi cab insurance needs. We will design a policy that covers the needs of all parties involved.

We understand the time-sensitive nature and regulatory requirements involved in operating a passenger transportation company. With a specific department dedicated to certificate issuance, we are able to have our client’s vehicles on the road within minutes of a request.

We pride ourselves on providing prompt, reliable, experienced, innovative, and competitive services and solutions to our loyal customers.

Taxi Cabs: A Brief History

The first electric taxi cab came in a fleet of 600 cars to NYC. These taxis were dubbed “hummingbirds” due to the electronic humming noise they made. The word taxicab was originally used as one work after “taximeter” the device used to keep track of distance and fare. In the 1980s computer assisted taxi cabs were dispatched to those who were in need of a cab. Nowadays passengers can order a taxi cab straight from their phone to be picked up in minutes.

Paratransit Insurance: Affordable Coverage for Your Fleet

Paratransit Insurance

Having the proper paratransit insurance is very important to your paratransit automobile or fleet. The services that paratransit automobiles accomplish for the disabled is truly life changing, and deserves insurance that is equally stellar.

You need to ensure the safety and reliability of your paratransit vehicle to protect your passengers and yourself. Paratransits are essential parts of society and provide mobility to those who would otherwise not have access. Paratransit services are custom to many different disabilities and the automobiles are equipped to serve handicapped or disabled persons in the most efficient way possible.

Paratransit Transportation

Thanks to the Americans with Disabilities Act of 1990, paratransit services are now a daily reality for many American’s with disabilities. By providing transportation for those with disabilities, paratransit services are paramount to the well-being and mobility of thousands of disabled Americans.

Veterans and the elderly are just a few of the people who utilize paratransit services. Without these versatile automobiles, short trips in the car would be impossible for many disabled persons. Paratransit services not only provide essential mobility, they also greatly improve the quality of life of many people. Thanks to paratransit services, those who would otherwise not have an accessible and mobile life, are able to find their freedom.

Paratransit Insurance at ABI Insurance Services Inc

ABI Insurance Services Inc was founded in 1984 and we offer experience and expertise in the insurance realm. ABI is one of largest commercial transportation insurance agencies.

Additionally approximately 40,000 vehicles are currently covered by ABI. For over 35+ years we have offered top of the line customer service and knowledgable insight into paratransit insurance.

Furthermore, at ABI we value our client’s business and take pride in the partnerships we have curated for the past 35 years.

At ABI we have designed mobile apps so you can monitor your paratransit insurance policies anytime, anywhere. So you can rest assured knowing that everything you need is at your fingertips.

Paratransit Insurance Catered to your Specific Needs

We have the experience necessary to know the field. We then pair this knowledge with top of the line technology. Our in-house programmers will work directly with you to design a custom plan to meet your individual paratransit insurance needs. We will design a policy that covers the intricate needs of all parties involved.

At ABI, we understand the time-sensitive nature and regulatory requirements involved in operating a passenger transportation company. With a specific department dedicated to certificate issuance, we are able to have our client’s vehicles on the road within minutes of a request.

We pride ourselves on providing prompt, reliable, experienced, innovative, and competitive services and solutions to our loyal customers.

Paratransit Services Provide:

  • Mobility to disabled
  • Access to accessible transportation
  • Freedom to go places and run errands
  • Better life quality for those who are disabled

Have More Questions about Paratransit Insurance?

Visit our contact page to learn more or speak with an agent to get all your questions answered promptly.

Ready to sign up for Paratransit Insurance?

We look forward to helping you fulfill your insurance needs. Please click here to be redirected to our sign up page.

 

 

For Hire Livery Insurance

For hire livery insurance is a special type of insurance that covers vehicles used to transport people, such as Taxis, Limos, buses, and other non-emergency transport services. American Business Insurance covers a wide variety of services, that means we cover other non-traditional services other than taxis and black cars. If you are a business owner that operates a fleet of transportation vehicles, you should consider getting coverage from American Business Insurance. Why? Because at American Business Insurance we are always thinking ahead, and we have the flexibility unlike the other large insurance corporations. That is why we are introducing special insurance coverages for drivers for Uber, Lyft, Turo, and Get Around. This shows that our business is always innovating and looking for ways to change with the industry.

Introducing Period X ™ & Period Zero ™

Period X ™ & Period Zero ™ are our brand new services tailored to for hire livery services such as Uber, Lyft, Turo and Get Around. These special coverages are similar to our other fleet insurance policies, where the coverage is on a pay-per-drive or pay-per-mile basis. American Business Insurance understands that these ride sharing services are on the rise recently, and in order to counter these changes in the industry our company needs to stay innovative to be on top of the game. One of the benefits for For Hire Livery Insurance is the collision coverage. According to the Insurance company State Farm, on average a driver files an insurance claim every 17 years, or roughly one accident per 300,000 miles you drive (based on the average American driving statistics). As a ride sharing driver you will be driving A LOT more than the average American, that means you should consider getting For Hire Livery Insurance even more than the average American.

Besides Collision coverage, our for hire livery insurance coverage includes different options such as liability protection, driver protection, and vehicle protection, and also the ability to cover your medical expenses in case of an accident. At American Business Insurance, we understand that accidents to happen, and we are here to minimize the trouble for you. If you own a car and use it for ridesharing services, you should consider using American Business Insurance’s brand new Period X ™ & Period Zero ™ plans.

Other For Hire Livery Insurance Options

If you don’t drive a Uber or Lyft, we do have other coverage that targets specific non-emergency vehicles such as buses, limos, black cars, and even trucks. Some of these services include Child Transportation, Elderly transportation, and also airport transportation services. However, many of these services have certain limitations based on the vehicle and the State that the company is operating in. At American Business Insurance, we strive to provide you with the best For Hire Livery Insurance quotes that are tailored to your specific company and your situation. Our company operates across the United States, that means we know all of the Ins and Outs of each State and its specific regulations.

In conclusion, you should consider American Business Insurance if you are in the market of For Hire Livery Insurance. Throughout the 30+ years American Business Insurance is in business, we have always strived to provide the best insurance coverage tailored to your specific company. So what are you waiting for? Go online to abiweb.com and shop around our different policies, and even if you’re not in the market for For Hire Livery Insurance policies, we have other commercial insurance policies available. Get Insured today.

How ABI is Protecting HyreCar

How ABI is Protecting Hyrecar

Ride-sharing services are taking the world of transportation by storm. Uber and Lyft are constantly relied on both by riders who need to get places efficiently, and by those who are employed by either company. However, many people are not aware that vehicles must meet certain standards in order to provide rides by Uber and Lyft. Due to these specific requirements for cars, many who desire to drive for the ride-sharing service aren’t allowed the opportunity. There was nothing they could do- until Hyrecar.

The Solution

HyreCar has arrived as the first car-matching service that works hand in hand with Uber and Lyft. The concept is simple: for those who desire to drive but don’t have a car that meets the requirements, HyreCar allows you to rent one and get right to work. Most issues that are preventing certain cars from qualifying for Uber and Lyft are simply problems that are typical of older vehicles. Its a lot to ask of someone to make them purchase an entirely new vehicle just to pass the restrictions test. In turn, less people would drive for Uber and Lyft, which hurts both the would-be drivers and the companies themselves.

The Process

HyreCar realized the very simple solution to this problem, and the founders were shocked when they found that no one had discovered this niche market yet. HyreCar’s platform is easy to use, while still being thorough. It allows car owners to post their vehicles that are up for rental, and when drivers find one they want, they create a profile. This profile includes information such as driver’s license and social security numbers, and drivers can pay just by entering their credit card information into the platform. HyreCar’s founders believe that their screening process for drivers is even stricter than those of Uber and Lyft, checking things like criminal records, DMV records, and sex-offender databases.

Everybody Wins

Thanks to HyreCar, everybody involved benefits in some way. Cars that would otherwise be sitting in a garage or not in use somewhere are making their owners money. Those who wish to be drivers are given an easy way to fulfill that desire without buying a whole new car. Uber and Lyft have more drivers for their companies and therefore generate more business. HyreCar benefits by charging drivers that rent from them a 10% fee and car owners a 15% fee.

How ABI is Covering HyreCar

American Business Insurance is providing HyreCar with a unique insurance policy to ensure the highest level of safety for both the drivers and riders. When a driver is not driving for a ride-sharing platform but is still in possession of the rented car, they are covered by ABI’s policy that covers both the riders and drivers. When they are driving for a ride-sharing platform with the rented car, the insurance defaults to the state-mandated policy provided by the respective ride-sharing company.

As far as HyreCar is aware, they are the only car-matching service that utilizes a unique insurance policy such as the one provided by American Business Insurance. Thanks to ABI, HyreCar now has a competitive advantage that will likely continue to garner success for the company.

NEMT Insurance in Utah

Looking for NEMT Insurance in Utah?

Are you looking for a professional insurance agency that knows the ins-and-outs of Non-Emergency Medical Transportation, or NEMT Insurance, in Utah? American Business Insurance Services specializes in helping companies find and maintain the best amount of insurance. Our goal is to make sure that your business, employees, and customers are all protected without breaking the bank. We know that unlike standard automobiles, even a fender bender can create circumstances for a large claim due to the potentially fragile passengers being transported.

NEMT Services in UtahAmerican Business Insurance provides professional advice that will help you fully cover your business from all liabilities that could hurt your company. With this consultative-style approach, we are able to recommend the most comprehensive and most cost-effective NEMT insurance for your business. American Business Insurance Services, Inc. has been writing this class of business for over 35 years. Experience with NEMT coverage cannot be understated when you consider the vast requirements that apply to this type of policy. American Business Insurance currently offers NEMT insurance in Utah as well as nearly every other state in the U.S.

NEMT Insurance in Utah for Company Fleets

We all have loved ones, that at one time or another, are in need of consistent medical care. Whether they be our aging grandparents, parents, or even our in-laws, we want the best care for them. But sometimes, our lives get a bit hectic and busy. We can’t always find the time to escort our loved ones to doctor appointments and other medical treatment centers. Although, there are ways to make this process a little easier. Many families, hospitals, and doctor offices turn to Paratransit Service or Non-Emergency Medical Transportation (NEMT) providers to fill this need. The Americans with Disabilities Act of 1990, made paratransit service a daily reality for many Americans with disabilities. By providing transportation for those with disabilities, paratransit services are paramount to the well-being and mobility of thousands of Americans.

NEMT Insurance in Utah

Even for those who have loved ones nearby, it’s not always convenient or possible to be available at all hours. Non-emergency medical transportation in Utah can be very advantageous for individuals who are unable to use conventional transportation means. NEMT services in Utah have several benefits. First off, medical transportation services in Utah provide some of the safest transportation options available. Moreover, NEMT services are health-focused – which can be especially important for those with a disability or health condition, as well as the elderly.

non emergency medical transportation vehicle

As a NEMT business owner, this is where your company comes into play. If you are a NEMT agency that operates fleets in Utah, it’s especially important that you have NEMT insurance. American Business Insurance works with agencies to provide the best available coverage. Having the right NEMT insurance in Utah is essential in making sure your business and customers are covered in case of an incident.

When customers are looking to choose a paratransit service or agency to be responsible for their loved ones, they will be looking into the NEMT company to make sure their loved one is going to be safe and protected.  American Business Insurance Services, Inc. provides NEMT insurance to companies in Utah as well as nationwide, creating customized policies to best serve the client’s needs.

How to Decide on NEMT Insurance for Your Company Fleet

There are a lot of factors that go into finding the best NEMT insurance coverage for your non-emergency medical transportation’s large fleet. Therefore, prepare to answer a few questions when working with American Business Insurance to find you the best quote to match your business needs.

  • Are the majority of your trips for passengers ambulatory or non-ambulatory?
  • Does your company contract with LogistiCare or other providers with strict insurance requirements?
  • Do your vehicles have lifts or ramps?
  • Do your vehicles include backup cameras so your drivers can see whether or not someone in a low wheelchair is behind the vehicle when backing?

Insurance companies ask these questions to ensure you are fully covered under your policy. At American Business Insurance Services, Inc., we guarantee the most thorough coverage for your large fleet. Furthermore, we have trained professionals who will take care of everything, and will guide you through the process of properly insuring your NEMT fleet most efficiently!

Why You (the Paratransit service/agency) Need Full Coverage

Having proper paratransit or NEMT insurance is critical to operating a successful transportation business. The services that paratransit automobile fleets accomplish for those in need is truly life-changing and deserves insurance that is equally up to par.

Moreover, the reason you (the Paratransit service/agency) need NEMT fleet insurance is to ensure the safety and reliability of your paratransit service company, protecting your passengers and your business.

Coverage Requirements for Paratransit and NEMT Companies

It’s crucial to know exactly what’s in your NEMT coverage contract. At American Business Insurance, we examine the contract providers and the requirements that they have. For example, let’s look at LogistiCare.

  • $1,000,000 Combined Single Limit of Auto Liability Coverage
  • Hired & Non-Owned Coverage (Symbols 2,8,9)
  • Loading & Unloading Coverage
  • General Liability Coverage at $1,000,000 per incident $2,000,000 Aggregate
  • Sexual Abuse and Molestation Coverage (limits can vary by location)

There are other requirements in addition to the ones listed above. However, if you are missing any of those items on your insurance policy, LogistiCare will suspend your account. Many large Non-Emergency fleets have a long list of additional interests that have different insurance requirements.

Typically, we will ask for a copy of the provider insurance section of the contract to make absolutely sure that we’ve gotten your coverage written correctly. American Logistics, SoutheastTrans, and other NEMT providers have extremely particular requirements for coverage to protect them. Why is this? One answer: safety.

How Can American Business Insurance Services, Inc. Help?

If you have questions or are seeking further guidance, please don’t hesitate to contact us. Call us Monday – Friday, from 8 am to 5 pm PST: 800-980-1950 or email us anytime! We would love to help you get your NEMT business in Utah off the ground and paired with an insurer that’s right for you. Be sure to check out our social media: Instagram, Facebook, LinkedIn.

How to Save the MOST Money on Your Commercial Fleet Insurance Rates

ABI Transportation Experts Speak: How to Save the MOST Money on Your Commercial Fleet Insurance Rates

Written by Laura Loftus on Thursday, February 28th, 2019

 

When speaking with clients about their commercial fleet insurance, the most common concern is how to get the lowest insurance rates. About 100% of the customers I speak to daily all have the same goal – they want the lowest insurance rates available and will do whatever it takes to get it. Whether you own a Taxi, Limo, Paratransit or Shared Economy company (peer to peer platform app), it’s a given that you want your commercial fleet insurance coverage at the lowest insurance rates available. What many companies don’t realize, especially start-ups, is that commercial fleet insurance underwriters do quite a bit of digging on your company through a variety of platforms to “check you out” prior to releasing a quote. They read Yelp reviews, they look at your website, they do Better Business Bureau checks – all of it.

There are common mistakes that transportation service companies are repeatedly making that will create doubt in a commercial fleet insurance company. These mistakes actually prevent your broker from being able to find the lowest insurance rates for your company. Most of these companies think they are making business decisions that will guide them toward the lowest insurance rates, and are unaware that their current website or driver pool is actually hurting their chances of achieving the lowest possible commercial fleet insurance rate.

Five common flubs transportation service companies are making that prevent your commercial fleet insurance broker from obtaining the lowest insurance rates possible:

1) Company Website

The first and most common mistake we see from commercial auto risks who are in the “wheels” business as us underwriters call it – is that you over the amount of experience or size of your transportation service company.  It is common for commercial fleet insurance underwriters to google your company to pick apart your website. Here are some items you may think are helping your chances at obtaining the lowest insurance rates but are actually red flags to commercial fleet insurance companies:

  •  Words like “Fast Pick-up” or ‘Delivery in Minutes” – no commercial fleet insurance underwriter wants to see that you are promising rushed services. Rushing = equals unsafe driving behavior.

commercial fleet insurance

  • Advertising vehicles that are not actually part of your fleet. For example, just yesterday I was helping a 35-car fleet in Portland with obtaining commercial fleet insurance quotes. The list of vehicles they provided were all private passenger type vehicles (meaning seating capacity of 8 or less) – good! But when I searched the company online, they advertised a large shuttle bus and a higher seating capacity van. When I asked the client about this, they those vehicles had been sold and they had no plans to replace them. Keeping your website up to date and only advertising only what you can actually deliver will keep unwanted questions from creeping into the commercial fleet insurance underwriters’ mind. Creating uncertainty is the last thing you want to do with a commercial fleet insurance underwriter when trying to obtain the lowest insurance rates.
  •  Age of vehicles is important to commercial fleet insurance companies. Publishing a picture of a 30-year-old vehicle is no bueno. Keep your fleet serviced regularly (we recommend every three to four thousand miles and cycle out old units. Newer, cleaner & well-maintained vehicles are not only more desired by clientele (when trying to compete with Uber/Lyft) but also preferred by commercial fleet insurance companies trying to avoid claims due to mechanical defect.
  • If you boast 20 years of experience but your LLC was filed three years ago, it creates uncertainty with insurance companies. It’s better to accurately reflect your business as it is now, and not what you want it to be five years from now. Just as there are items to avoid putting on your website, there are points that you should include on your website. It is always a good idea to brag about highly trained drivers and safety training you provide (more on this later). Be sure to note the maintenance you keep up with for your fleet, the background checks the city you operate in mandates and the highest level of driving records required for your drivers. Commercial fleet insurance underwriters like stable fleets with safe drivers. Bottom line, safer risks translates to commercial fleet insurance underwriters offering the lowest insurance rates.

2) Creating a Business Name

This may seem simple enough but for transportation business owners looking to for the lowest insurance rates, people often think that commercial fleet insurance companies give the lowest insurance rates to Limo’s and Non-Emergency Medical risks over a taxi or airport shuttle. While this might be true, cornering yourself into a specific type of transportation in your business name narrows the list of commercial fleet insurance carriers you are eligible for. Many markets write only taxis or only limos. So, if you file your business name with the Secretary of State as Laura’s Taxi & Limo Service, LLC. – it could possibly make you ineligible for a limo commercial fleet insurance program because they don’t insure taxis and vice versa – even if your unit type meets their requirements. When talking with clients, I always say it’s best to be general about the transportation type within the name of their business, especially as market conditions change. You may be heavy in taxi trips one year but then obtain a paratransit contract and do more of that the following year. The more years of favorable loss history (loss runs) you can provide, the better chance you have at obtaining the lowest insurance rates. Choosing a business name that is general such as Laura’s Transportation Service, LLC. allows you flexibility to transform and evolve your business as the industry demands change.

3) Loss Control is Everything

Underwriters give commercial fleet insurance at the lowest insurance rates to companies with low levels of paid claims. Even in a hard insurance market, with rates rising for the good guys too, you can expect to pay more for commercial fleet insurance if you’re prior insurance companies have paid a lot in claims. Here are some suggestions in tightening loss control for your transportation service company:

  •  Hire a full-time loss control or driver manager who will enforce a safety culture. Doing this, will lower the frequency and severity of claim payouts and put your transportation service company in a better position to obtain the lowest insurance rates. This person should be in charge of overseeing the overall safety of your company. Managing and coaching your drivers is the key to a successful transportation service company. You are only as good as your worst driver.
  • commercial fleet insurance Invest in cameras that capture not only accidents but also driver analytics. This type of camera system will allow you to review driver behavior and correct bad habits before they cause an accident. We like to say this method is similar to that of a professional athlete. How do they improve? They watch their game film and correct bad habits. Driving professionally is the same. The more you do it, the more comfortable you get and having drivers watch themselves reduces risky behavior dramatically. Additionally, it’s a known fact that many commercial fleet insurance claims are paid because of he said/she said situations. Having accidents on camera is the best way to know who exactly was at fault and exonerate innocent drivers.
  •  Hold weekly safety huddles and or monthly meetings. Review the data and claims that have occurred recently and talk to your drivers about how they could have been prevented.
  •  Commit to investing in annual defensive driving training for your drivers. This annual reminder to drivers will ensure that bad habits are addressed and give each driver a time to reflect on their own performance.
  • Implement a reward program for safe drivers. Giving an incentive, even if it’s small monetary gift cards – keeps your drivers focused and motivated on safe driving habits.

4) The Driver Pool

The Driver Pool is so important when trying to achieve the lowest insurance rates from commercial fleet insurance providers for your transportation company. How you chose to manage drivers and who you hire is crucial. Create formal guidelines that clearly outline what is acceptable for employment. We recommend only hiring drivers with zero accidents within the past three years and minimal moving violations. Clean MVRs are best but we know that professional drivers with experience usually do not have clean MVRs and this is ok. Professional drivers are on the road up to 3x more than someone commuting to/from work so it’s a given that they will most likely have more violations on their records. Repeat offenders can impact the cost of your commercial fleet insurance and should be let go. No one is perfect, but you should train your drivers with the goal to be as safe as possible. Excessive violations on a driving record can cause surcharges and prevent you from obtaining the lower insurance rates. Additionally, younger drivers sometimes generate higher premiums for commercial fleet insurance as well as newly licensed individuals.

5) Contact an Experienced, Transportation Insurance Broker

commercial fleet insurance

Working with a transportation specialist versus a local agency makes a huge difference as commercial fleet insurance brokers have access to many more transportation focused insurance companies. Also, an experienced broker will review your company data prior to submitting to commercial fleet insurance companies. If they see something a commercial fleet insurance company won’t like, they can address it with you and provide you with an opportunity to make changes before submitting to each carrier. The more information you can provide to a commercial fleet insurance underwriter, the better chances you have at achieving the lowest insurance rates. Because the for-hire, livery insurance market is so thin, carriers often get multiple submissions from duplicate brokers. Try to work with one broker at a time. You may think contacting multiple agencies well help you, but if they are all going to the same markets for commercial fleet insurance – it’s duplicating not only your own work, but the insurance companies as well. The livery market is a tough class of business and finding an experienced broker will absolutely give you a leg up on finding the lowest insurance rates over a generalist broker.

American Business Insurance Services, Inc. has been working with transportation companies across the nation for 35+ years. We have direct relationships with the most competitive commercial fleet insurance companies. We know what it takes to submit a complete application and present your company in the best light possible – which will no doubt translate to finding commercial fleet insurance at the lowest insurance rate.

Looking for a quote? Click here

Autonomous Car Insurance and How it Works

How Autonomous Car Insurance Works

With technology in our society advancing at such an incredible rate, all of our cars could have minds entirely of their own within years. As a matter of fact, we are on our way there already. They are not yet available on a large scale. However, autonomous cars certainly are a reality and could eventually integrate themselves fully into our everyday lives. The question that many are asking has to do with insurance for an autonomous car. Car insurance typically protects the driver and car from mistakes that are caused by the driver. So if all cars will be completely autonomous and self-sufficient from humans, what is the point of insurance? If the car gets in an accident, who is then held responsible? In this futuristic dilemma, car insurance will work a little differently than we’re used to, but American Business Insurance is prepared to handle it.

How Do Autonomous Vehicles Work?

Essentially, autonomous vehicle manufacturers and designers will think of everything that a car needs a human for and remove those needs. For example, an autonomous car will be built with a GPS in it, so it doesn’t need a person to control navigation. Many of them also have sensors in and around them, in order to help them avoid accidents. Of course, this would typically be the job of the driver. There is also the element of augmented reality. AR is a method of getting information to the driver, such as displaying it on the windshield. This information could be directions, the speed of the car, information about the music thats playing, etc. And the vehicle is the one that has it all. The would-be driver just turns into a rider, and the car handles the rest.

Changes in Insurance

Insurance for autonomous vehicles will play a different role than insurance for a regular car. Instead of the driver or owner of the vehicle being responsible for accidents, it would likely be the manufacturer of the autonomous vehicle. Now, its rare for a malfunction of the vehicle to be the cause of an accident; they are almost always a result of human error. This could be the largest change to car insurance if and when autonomous vehicles become a norm in our society. Manufacturers being held responsible for insuring each vehicle themselves will create an expensive, long-term process before the vehicles can be safely put to use. It will also require an extensive process of making sure that many ethical issues are covered.

ABI’s Role

The idea that human-operated vehicles will be obsolete in everyday life may seem plausible only in the distant future. However, functioning autonomous cars are on their way to changing transportation forever. There are countless pros to autonomous vehicles, but insuring all vehicles so that riders are promised complete safety would be the primary con. To ease the process of insuring self-driving cars, ABI’s Insurance Services have exactly what it takes for companies to make the transition from human-driven cars to self-driven cars. With 75 years of experience in transportation network companies, ABI can make riders feel safe using new technology, and help our society continue to evolve in amazing ways. ABI has direct relationships with the insurance carriers they write policies through, allowing for great efficiency and attention to detail. But you don’t have to wait for all cars to drive themselves to achieve this kind of protection and safety; contact ABI for both large and small fleet insurance today!

Taxi Cab Insurance: The Best Coverage for the Best Price

Taxi Cab Insurance

Taxis are the go-to transportation mode for people all over the country. There are many tales about heroic cabbies coming to save the day or night. Some dub the driver’s seat of taxi cab the world’s best free theater. It is important to have great taxi cab insurance!

As many heart-warming and glorious stories out there about taxi cabs, there a few less-than desirable stories as well. That’s when taxi cab insurance by ABI comes to the rescue! We have your back no matter what.

Why Taxi Cab Insurance with ABI?

Founded in 1984, ABI Insurance services offer the experience and expertise needed in the insurance realm. With new policies and insurance guidelines coming out regularly, it is important to stay in the know about any new changes. Staying up to date in policy lingo isn’t the easiest (or most amusing) pastime – so leave it to the professionals at ABI. We are also current and up to date with the newest policies when it comes to taxi cab insurance.

ABI is also one of largest commercial transportation insurance agencies. Additionally approximately 40,000 vehicles are currently covered by ABI. You can rest assured knowing that thousands of other taxi cab owners have trusted with with insuring their vehicle or fleet. For over 35+ years we have offered top of the line customer service and knowledgeable insight into taxi cab insurance.

Furthermore, at ABI we value our client’s business and take pride in the partnerships we have curated for the past 35 years. At ABI we have designed mobile apps so you can monitor your taxi cab insurance policies anytime, anywhere. Drive confidently knowing that everything you need is at your fingertips.

Benefits of Taxi Cab Insurance from ABI:

  • Customizable to your policy needs
  • Certificate issuance available in minutes
  • Mobile apps with your policy details
  • Over 35+ years of experience
  • 40,000 vehicles insured
  • Competitive pricing

Customizable Taxi Cab Insurance

We have the experience necessary to know the field. We then pair this knowledge with top of the line technology – and we do not outsource. Our in-house programmers will work directly with you to design a custom plan to meet your individual taxi cab insurance needs. We will design a policy that covers the needs of all parties involved.

We understand the time-sensitive nature and regulatory requirements involved in operating a passenger transportation company. With a specific department dedicated to certificate issuance, we are able to have our client’s vehicles on the road within minutes of a request.

We pride ourselves on providing prompt, reliable, experienced, innovative, and competitive services and solutions to our loyal customers.

Taxi Cabs: A Brief History

The first electric taxi cab came in a fleet of 600 cars to NYC. These taxis were dubbed “hummingbirds” due to the electronic humming noise they made. The word taxicab was originally used as one work after “taximeter” the device used to keep track of distance and fare. In the 1980s computer assisted taxi cabs were dispatched to those who were in need of a cab. Nowadays passengers can order a taxi cab straight from their phone to be picked up in minutes.

Paratransit Insurance: Affordable Coverage for Your Fleet

Paratransit Insurance

Having the proper paratransit insurance is very important to your paratransit automobile or fleet. The services that paratransit automobiles accomplish for the disabled is truly life changing, and deserves insurance that is equally stellar.

You need to ensure the safety and reliability of your paratransit vehicle to protect your passengers and yourself. Paratransits are essential parts of society and provide mobility to those who would otherwise not have access. Paratransit services are custom to many different disabilities and the automobiles are equipped to serve handicapped or disabled persons in the most efficient way possible.

Paratransit Transportation

Thanks to the Americans with Disabilities Act of 1990, paratransit services are now a daily reality for many American’s with disabilities. By providing transportation for those with disabilities, paratransit services are paramount to the well-being and mobility of thousands of disabled Americans.

Veterans and the elderly are just a few of the people who utilize paratransit services. Without these versatile automobiles, short trips in the car would be impossible for many disabled persons. Paratransit services not only provide essential mobility, they also greatly improve the quality of life of many people. Thanks to paratransit services, those who would otherwise not have an accessible and mobile life, are able to find their freedom.

Paratransit Insurance at ABI Insurance Services Inc

ABI Insurance Services Inc was founded in 1984 and we offer experience and expertise in the insurance realm. ABI is one of largest commercial transportation insurance agencies.

Additionally approximately 40,000 vehicles are currently covered by ABI. For over 35+ years we have offered top of the line customer service and knowledgable insight into paratransit insurance.

Furthermore, at ABI we value our client’s business and take pride in the partnerships we have curated for the past 35 years.

At ABI we have designed mobile apps so you can monitor your paratransit insurance policies anytime, anywhere. So you can rest assured knowing that everything you need is at your fingertips.

Paratransit Insurance Catered to your Specific Needs

We have the experience necessary to know the field. We then pair this knowledge with top of the line technology. Our in-house programmers will work directly with you to design a custom plan to meet your individual paratransit insurance needs. We will design a policy that covers the intricate needs of all parties involved.

At ABI, we understand the time-sensitive nature and regulatory requirements involved in operating a passenger transportation company. With a specific department dedicated to certificate issuance, we are able to have our client’s vehicles on the road within minutes of a request.

We pride ourselves on providing prompt, reliable, experienced, innovative, and competitive services and solutions to our loyal customers.

Paratransit Services Provide:

  • Mobility to disabled
  • Access to accessible transportation
  • Freedom to go places and run errands
  • Better life quality for those who are disabled

Have More Questions about Paratransit Insurance?

Visit our contact page to learn more or speak with an agent to get all your questions answered promptly.

Ready to sign up for Paratransit Insurance?

We look forward to helping you fulfill your insurance needs. Please click here to be redirected to our sign up page.

 

 

For Hire Livery Insurance

For hire livery insurance is a special type of insurance that covers vehicles used to transport people, such as Taxis, Limos, buses, and other non-emergency transport services. American Business Insurance covers a wide variety of services, that means we cover other non-traditional services other than taxis and black cars. If you are a business owner that operates a fleet of transportation vehicles, you should consider getting coverage from American Business Insurance. Why? Because at American Business Insurance we are always thinking ahead, and we have the flexibility unlike the other large insurance corporations. That is why we are introducing special insurance coverages for drivers for Uber, Lyft, Turo, and Get Around. This shows that our business is always innovating and looking for ways to change with the industry.

Introducing Period X ™ & Period Zero ™

Period X ™ & Period Zero ™ are our brand new services tailored to for hire livery services such as Uber, Lyft, Turo and Get Around. These special coverages are similar to our other fleet insurance policies, where the coverage is on a pay-per-drive or pay-per-mile basis. American Business Insurance understands that these ride sharing services are on the rise recently, and in order to counter these changes in the industry our company needs to stay innovative to be on top of the game. One of the benefits for For Hire Livery Insurance is the collision coverage. According to the Insurance company State Farm, on average a driver files an insurance claim every 17 years, or roughly one accident per 300,000 miles you drive (based on the average American driving statistics). As a ride sharing driver you will be driving A LOT more than the average American, that means you should consider getting For Hire Livery Insurance even more than the average American.

Besides Collision coverage, our for hire livery insurance coverage includes different options such as liability protection, driver protection, and vehicle protection, and also the ability to cover your medical expenses in case of an accident. At American Business Insurance, we understand that accidents to happen, and we are here to minimize the trouble for you. If you own a car and use it for ridesharing services, you should consider using American Business Insurance’s brand new Period X ™ & Period Zero ™ plans.

Other For Hire Livery Insurance Options

If you don’t drive a Uber or Lyft, we do have other coverage that targets specific non-emergency vehicles such as buses, limos, black cars, and even trucks. Some of these services include Child Transportation, Elderly transportation, and also airport transportation services. However, many of these services have certain limitations based on the vehicle and the State that the company is operating in. At American Business Insurance, we strive to provide you with the best For Hire Livery Insurance quotes that are tailored to your specific company and your situation. Our company operates across the United States, that means we know all of the Ins and Outs of each State and its specific regulations.

In conclusion, you should consider American Business Insurance if you are in the market of For Hire Livery Insurance. Throughout the 30+ years American Business Insurance is in business, we have always strived to provide the best insurance coverage tailored to your specific company. So what are you waiting for? Go online to abiweb.com and shop around our different policies, and even if you’re not in the market for For Hire Livery Insurance policies, we have other commercial insurance policies available. Get Insured today.

How ABI is Protecting HyreCar

How ABI is Protecting Hyrecar

Ride-sharing services are taking the world of transportation by storm. Uber and Lyft are constantly relied on both by riders who need to get places efficiently, and by those who are employed by either company. However, many people are not aware that vehicles must meet certain standards in order to provide rides by Uber and Lyft. Due to these specific requirements for cars, many who desire to drive for the ride-sharing service aren’t allowed the opportunity. There was nothing they could do- until Hyrecar.

The Solution

HyreCar has arrived as the first car-matching service that works hand in hand with Uber and Lyft. The concept is simple: for those who desire to drive but don’t have a car that meets the requirements, HyreCar allows you to rent one and get right to work. Most issues that are preventing certain cars from qualifying for Uber and Lyft are simply problems that are typical of older vehicles. Its a lot to ask of someone to make them purchase an entirely new vehicle just to pass the restrictions test. In turn, less people would drive for Uber and Lyft, which hurts both the would-be drivers and the companies themselves.

The Process

HyreCar realized the very simple solution to this problem, and the founders were shocked when they found that no one had discovered this niche market yet. HyreCar’s platform is easy to use, while still being thorough. It allows car owners to post their vehicles that are up for rental, and when drivers find one they want, they create a profile. This profile includes information such as driver’s license and social security numbers, and drivers can pay just by entering their credit card information into the platform. HyreCar’s founders believe that their screening process for drivers is even stricter than those of Uber and Lyft, checking things like criminal records, DMV records, and sex-offender databases.

Everybody Wins

Thanks to HyreCar, everybody involved benefits in some way. Cars that would otherwise be sitting in a garage or not in use somewhere are making their owners money. Those who wish to be drivers are given an easy way to fulfill that desire without buying a whole new car. Uber and Lyft have more drivers for their companies and therefore generate more business. HyreCar benefits by charging drivers that rent from them a 10% fee and car owners a 15% fee.

How ABI is Covering HyreCar

American Business Insurance is providing HyreCar with a unique insurance policy to ensure the highest level of safety for both the drivers and riders. When a driver is not driving for a ride-sharing platform but is still in possession of the rented car, they are covered by ABI’s policy that covers both the riders and drivers. When they are driving for a ride-sharing platform with the rented car, the insurance defaults to the state-mandated policy provided by the respective ride-sharing company.

As far as HyreCar is aware, they are the only car-matching service that utilizes a unique insurance policy such as the one provided by American Business Insurance. Thanks to ABI, HyreCar now has a competitive advantage that will likely continue to garner success for the company.

NEMT Insurance in Utah

Looking for NEMT Insurance in Utah?

Are you looking for a professional insurance agency that knows the ins-and-outs of Non-Emergency Medical Transportation, or NEMT Insurance, in Utah? American Business Insurance Services specializes in helping companies find and maintain the best amount of insurance. Our goal is to make sure that your business, employees, and customers are all protected without breaking the bank. We know that unlike standard automobiles, even a fender bender can create circumstances for a large claim due to the potentially fragile passengers being transported.

NEMT Services in UtahAmerican Business Insurance provides professional advice that will help you fully cover your business from all liabilities that could hurt your company. With this consultative-style approach, we are able to recommend the most comprehensive and most cost-effective NEMT insurance for your business. American Business Insurance Services, Inc. has been writing this class of business for over 35 years. Experience with NEMT coverage cannot be understated when you consider the vast requirements that apply to this type of policy. American Business Insurance currently offers NEMT insurance in Utah as well as nearly every other state in the U.S.

NEMT Insurance in Utah for Company Fleets

We all have loved ones, that at one time or another, are in need of consistent medical care. Whether they be our aging grandparents, parents, or even our in-laws, we want the best care for them. But sometimes, our lives get a bit hectic and busy. We can’t always find the time to escort our loved ones to doctor appointments and other medical treatment centers. Although, there are ways to make this process a little easier. Many families, hospitals, and doctor offices turn to Paratransit Service or Non-Emergency Medical Transportation (NEMT) providers to fill this need. The Americans with Disabilities Act of 1990, made paratransit service a daily reality for many Americans with disabilities. By providing transportation for those with disabilities, paratransit services are paramount to the well-being and mobility of thousands of Americans.

NEMT Insurance in Utah

Even for those who have loved ones nearby, it’s not always convenient or possible to be available at all hours. Non-emergency medical transportation in Utah can be very advantageous for individuals who are unable to use conventional transportation means. NEMT services in Utah have several benefits. First off, medical transportation services in Utah provide some of the safest transportation options available. Moreover, NEMT services are health-focused – which can be especially important for those with a disability or health condition, as well as the elderly.

non emergency medical transportation vehicle

As a NEMT business owner, this is where your company comes into play. If you are a NEMT agency that operates fleets in Utah, it’s especially important that you have NEMT insurance. American Business Insurance works with agencies to provide the best available coverage. Having the right NEMT insurance in Utah is essential in making sure your business and customers are covered in case of an incident.

When customers are looking to choose a paratransit service or agency to be responsible for their loved ones, they will be looking into the NEMT company to make sure their loved one is going to be safe and protected.  American Business Insurance Services, Inc. provides NEMT insurance to companies in Utah as well as nationwide, creating customized policies to best serve the client’s needs.

How to Decide on NEMT Insurance for Your Company Fleet

There are a lot of factors that go into finding the best NEMT insurance coverage for your non-emergency medical transportation’s large fleet. Therefore, prepare to answer a few questions when working with American Business Insurance to find you the best quote to match your business needs.

  • Are the majority of your trips for passengers ambulatory or non-ambulatory?
  • Does your company contract with LogistiCare or other providers with strict insurance requirements?
  • Do your vehicles have lifts or ramps?
  • Do your vehicles include backup cameras so your drivers can see whether or not someone in a low wheelchair is behind the vehicle when backing?

Insurance companies ask these questions to ensure you are fully covered under your policy. At American Business Insurance Services, Inc., we guarantee the most thorough coverage for your large fleet. Furthermore, we have trained professionals who will take care of everything, and will guide you through the process of properly insuring your NEMT fleet most efficiently!

Why You (the Paratransit service/agency) Need Full Coverage

Having proper paratransit or NEMT insurance is critical to operating a successful transportation business. The services that paratransit automobile fleets accomplish for those in need is truly life-changing and deserves insurance that is equally up to par.

Moreover, the reason you (the Paratransit service/agency) need NEMT fleet insurance is to ensure the safety and reliability of your paratransit service company, protecting your passengers and your business.

Coverage Requirements for Paratransit and NEMT Companies

It’s crucial to know exactly what’s in your NEMT coverage contract. At American Business Insurance, we examine the contract providers and the requirements that they have. For example, let’s look at LogistiCare.

  • $1,000,000 Combined Single Limit of Auto Liability Coverage
  • Hired & Non-Owned Coverage (Symbols 2,8,9)
  • Loading & Unloading Coverage
  • General Liability Coverage at $1,000,000 per incident $2,000,000 Aggregate
  • Sexual Abuse and Molestation Coverage (limits can vary by location)

There are other requirements in addition to the ones listed above. However, if you are missing any of those items on your insurance policy, LogistiCare will suspend your account. Many large Non-Emergency fleets have a long list of additional interests that have different insurance requirements.

Typically, we will ask for a copy of the provider insurance section of the contract to make absolutely sure that we’ve gotten your coverage written correctly. American Logistics, SoutheastTrans, and other NEMT providers have extremely particular requirements for coverage to protect them. Why is this? One answer: safety.

How Can American Business Insurance Services, Inc. Help?

If you have questions or are seeking further guidance, please don’t hesitate to contact us. Call us Monday – Friday, from 8 am to 5 pm PST: 800-980-1950 or email us anytime! We would love to help you get your NEMT business in Utah off the ground and paired with an insurer that’s right for you. Be sure to check out our social media: Instagram, Facebook, LinkedIn.

How to Save the MOST Money on Your Commercial Fleet Insurance Rates

ABI Transportation Experts Speak: How to Save the MOST Money on Your Commercial Fleet Insurance Rates

Written by Laura Loftus on Thursday, February 28th, 2019

 

When speaking with clients about their commercial fleet insurance, the most common concern is how to get the lowest insurance rates. About 100% of the customers I speak to daily all have the same goal – they want the lowest insurance rates available and will do whatever it takes to get it. Whether you own a Taxi, Limo, Paratransit or Shared Economy company (peer to peer platform app), it’s a given that you want your commercial fleet insurance coverage at the lowest insurance rates available. What many companies don’t realize, especially start-ups, is that commercial fleet insurance underwriters do quite a bit of digging on your company through a variety of platforms to “check you out” prior to releasing a quote. They read Yelp reviews, they look at your website, they do Better Business Bureau checks – all of it.

There are common mistakes that transportation service companies are repeatedly making that will create doubt in a commercial fleet insurance company. These mistakes actually prevent your broker from being able to find the lowest insurance rates for your company. Most of these companies think they are making business decisions that will guide them toward the lowest insurance rates, and are unaware that their current website or driver pool is actually hurting their chances of achieving the lowest possible commercial fleet insurance rate.

Five common flubs transportation service companies are making that prevent your commercial fleet insurance broker from obtaining the lowest insurance rates possible:

1) Company Website

The first and most common mistake we see from commercial auto risks who are in the “wheels” business as us underwriters call it – is that you over the amount of experience or size of your transportation service company.  It is common for commercial fleet insurance underwriters to google your company to pick apart your website. Here are some items you may think are helping your chances at obtaining the lowest insurance rates but are actually red flags to commercial fleet insurance companies:

  •  Words like “Fast Pick-up” or ‘Delivery in Minutes” – no commercial fleet insurance underwriter wants to see that you are promising rushed services. Rushing = equals unsafe driving behavior.

commercial fleet insurance

  • Advertising vehicles that are not actually part of your fleet. For example, just yesterday I was helping a 35-car fleet in Portland with obtaining commercial fleet insurance quotes. The list of vehicles they provided were all private passenger type vehicles (meaning seating capacity of 8 or less) – good! But when I searched the company online, they advertised a large shuttle bus and a higher seating capacity van. When I asked the client about this, they those vehicles had been sold and they had no plans to replace them. Keeping your website up to date and only advertising only what you can actually deliver will keep unwanted questions from creeping into the commercial fleet insurance underwriters’ mind. Creating uncertainty is the last thing you want to do with a commercial fleet insurance underwriter when trying to obtain the lowest insurance rates.
  •  Age of vehicles is important to commercial fleet insurance companies. Publishing a picture of a 30-year-old vehicle is no bueno. Keep your fleet serviced regularly (we recommend every three to four thousand miles and cycle out old units. Newer, cleaner & well-maintained vehicles are not only more desired by clientele (when trying to compete with Uber/Lyft) but also preferred by commercial fleet insurance companies trying to avoid claims due to mechanical defect.
  • If you boast 20 years of experience but your LLC was filed three years ago, it creates uncertainty with insurance companies. It’s better to accurately reflect your business as it is now, and not what you want it to be five years from now. Just as there are items to avoid putting on your website, there are points that you should include on your website. It is always a good idea to brag about highly trained drivers and safety training you provide (more on this later). Be sure to note the maintenance you keep up with for your fleet, the background checks the city you operate in mandates and the highest level of driving records required for your drivers. Commercial fleet insurance underwriters like stable fleets with safe drivers. Bottom line, safer risks translates to commercial fleet insurance underwriters offering the lowest insurance rates.

2) Creating a Business Name

This may seem simple enough but for transportation business owners looking to for the lowest insurance rates, people often think that commercial fleet insurance companies give the lowest insurance rates to Limo’s and Non-Emergency Medical risks over a taxi or airport shuttle. While this might be true, cornering yourself into a specific type of transportation in your business name narrows the list of commercial fleet insurance carriers you are eligible for. Many markets write only taxis or only limos. So, if you file your business name with the Secretary of State as Laura’s Taxi & Limo Service, LLC. – it could possibly make you ineligible for a limo commercial fleet insurance program because they don’t insure taxis and vice versa – even if your unit type meets their requirements. When talking with clients, I always say it’s best to be general about the transportation type within the name of their business, especially as market conditions change. You may be heavy in taxi trips one year but then obtain a paratransit contract and do more of that the following year. The more years of favorable loss history (loss runs) you can provide, the better chance you have at obtaining the lowest insurance rates. Choosing a business name that is general such as Laura’s Transportation Service, LLC. allows you flexibility to transform and evolve your business as the industry demands change.

3) Loss Control is Everything

Underwriters give commercial fleet insurance at the lowest insurance rates to companies with low levels of paid claims. Even in a hard insurance market, with rates rising for the good guys too, you can expect to pay more for commercial fleet insurance if you’re prior insurance companies have paid a lot in claims. Here are some suggestions in tightening loss control for your transportation service company:

  •  Hire a full-time loss control or driver manager who will enforce a safety culture. Doing this, will lower the frequency and severity of claim payouts and put your transportation service company in a better position to obtain the lowest insurance rates. This person should be in charge of overseeing the overall safety of your company. Managing and coaching your drivers is the key to a successful transportation service company. You are only as good as your worst driver.
  • commercial fleet insurance Invest in cameras that capture not only accidents but also driver analytics. This type of camera system will allow you to review driver behavior and correct bad habits before they cause an accident. We like to say this method is similar to that of a professional athlete. How do they improve? They watch their game film and correct bad habits. Driving professionally is the same. The more you do it, the more comfortable you get and having drivers watch themselves reduces risky behavior dramatically. Additionally, it’s a known fact that many commercial fleet insurance claims are paid because of he said/she said situations. Having accidents on camera is the best way to know who exactly was at fault and exonerate innocent drivers.
  •  Hold weekly safety huddles and or monthly meetings. Review the data and claims that have occurred recently and talk to your drivers about how they could have been prevented.
  •  Commit to investing in annual defensive driving training for your drivers. This annual reminder to drivers will ensure that bad habits are addressed and give each driver a time to reflect on their own performance.
  • Implement a reward program for safe drivers. Giving an incentive, even if it’s small monetary gift cards – keeps your drivers focused and motivated on safe driving habits.

4) The Driver Pool

The Driver Pool is so important when trying to achieve the lowest insurance rates from commercial fleet insurance providers for your transportation company. How you chose to manage drivers and who you hire is crucial. Create formal guidelines that clearly outline what is acceptable for employment. We recommend only hiring drivers with zero accidents within the past three years and minimal moving violations. Clean MVRs are best but we know that professional drivers with experience usually do not have clean MVRs and this is ok. Professional drivers are on the road up to 3x more than someone commuting to/from work so it’s a given that they will most likely have more violations on their records. Repeat offenders can impact the cost of your commercial fleet insurance and should be let go. No one is perfect, but you should train your drivers with the goal to be as safe as possible. Excessive violations on a driving record can cause surcharges and prevent you from obtaining the lower insurance rates. Additionally, younger drivers sometimes generate higher premiums for commercial fleet insurance as well as newly licensed individuals.

5) Contact an Experienced, Transportation Insurance Broker

commercial fleet insurance

Working with a transportation specialist versus a local agency makes a huge difference as commercial fleet insurance brokers have access to many more transportation focused insurance companies. Also, an experienced broker will review your company data prior to submitting to commercial fleet insurance companies. If they see something a commercial fleet insurance company won’t like, they can address it with you and provide you with an opportunity to make changes before submitting to each carrier. The more information you can provide to a commercial fleet insurance underwriter, the better chances you have at achieving the lowest insurance rates. Because the for-hire, livery insurance market is so thin, carriers often get multiple submissions from duplicate brokers. Try to work with one broker at a time. You may think contacting multiple agencies well help you, but if they are all going to the same markets for commercial fleet insurance – it’s duplicating not only your own work, but the insurance companies as well. The livery market is a tough class of business and finding an experienced broker will absolutely give you a leg up on finding the lowest insurance rates over a generalist broker.

American Business Insurance Services, Inc. has been working with transportation companies across the nation for 35+ years. We have direct relationships with the most competitive commercial fleet insurance companies. We know what it takes to submit a complete application and present your company in the best light possible – which will no doubt translate to finding commercial fleet insurance at the lowest insurance rate.

Looking for a quote? Click here

Autonomous Car Insurance and How it Works

How Autonomous Car Insurance Works

With technology in our society advancing at such an incredible rate, all of our cars could have minds entirely of their own within years. As a matter of fact, we are on our way there already. They are not yet available on a large scale. However, autonomous cars certainly are a reality and could eventually integrate themselves fully into our everyday lives. The question that many are asking has to do with insurance for an autonomous car. Car insurance typically protects the driver and car from mistakes that are caused by the driver. So if all cars will be completely autonomous and self-sufficient from humans, what is the point of insurance? If the car gets in an accident, who is then held responsible? In this futuristic dilemma, car insurance will work a little differently than we’re used to, but American Business Insurance is prepared to handle it.

How Do Autonomous Vehicles Work?

Essentially, autonomous vehicle manufacturers and designers will think of everything that a car needs a human for and remove those needs. For example, an autonomous car will be built with a GPS in it, so it doesn’t need a person to control navigation. Many of them also have sensors in and around them, in order to help them avoid accidents. Of course, this would typically be the job of the driver. There is also the element of augmented reality. AR is a method of getting information to the driver, such as displaying it on the windshield. This information could be directions, the speed of the car, information about the music thats playing, etc. And the vehicle is the one that has it all. The would-be driver just turns into a rider, and the car handles the rest.

Changes in Insurance

Insurance for autonomous vehicles will play a different role than insurance for a regular car. Instead of the driver or owner of the vehicle being responsible for accidents, it would likely be the manufacturer of the autonomous vehicle. Now, its rare for a malfunction of the vehicle to be the cause of an accident; they are almost always a result of human error. This could be the largest change to car insurance if and when autonomous vehicles become a norm in our society. Manufacturers being held responsible for insuring each vehicle themselves will create an expensive, long-term process before the vehicles can be safely put to use. It will also require an extensive process of making sure that many ethical issues are covered.

ABI’s Role

The idea that human-operated vehicles will be obsolete in everyday life may seem plausible only in the distant future. However, functioning autonomous cars are on their way to changing transportation forever. There are countless pros to autonomous vehicles, but insuring all vehicles so that riders are promised complete safety would be the primary con. To ease the process of insuring self-driving cars, ABI’s Insurance Services have exactly what it takes for companies to make the transition from human-driven cars to self-driven cars. With 75 years of experience in transportation network companies, ABI can make riders feel safe using new technology, and help our society continue to evolve in amazing ways. ABI has direct relationships with the insurance carriers they write policies through, allowing for great efficiency and attention to detail. But you don’t have to wait for all cars to drive themselves to achieve this kind of protection and safety; contact ABI for both large and small fleet insurance today!

Taxi Cab Insurance: The Best Coverage for the Best Price

Taxi Cab Insurance

Taxis are the go-to transportation mode for people all over the country. There are many tales about heroic cabbies coming to save the day or night. Some dub the driver’s seat of taxi cab the world’s best free theater. It is important to have great taxi cab insurance!

As many heart-warming and glorious stories out there about taxi cabs, there a few less-than desirable stories as well. That’s when taxi cab insurance by ABI comes to the rescue! We have your back no matter what.

Why Taxi Cab Insurance with ABI?

Founded in 1984, ABI Insurance services offer the experience and expertise needed in the insurance realm. With new policies and insurance guidelines coming out regularly, it is important to stay in the know about any new changes. Staying up to date in policy lingo isn’t the easiest (or most amusing) pastime – so leave it to the professionals at ABI. We are also current and up to date with the newest policies when it comes to taxi cab insurance.

ABI is also one of largest commercial transportation insurance agencies. Additionally approximately 40,000 vehicles are currently covered by ABI. You can rest assured knowing that thousands of other taxi cab owners have trusted with with insuring their vehicle or fleet. For over 35+ years we have offered top of the line customer service and knowledgeable insight into taxi cab insurance.

Furthermore, at ABI we value our client’s business and take pride in the partnerships we have curated for the past 35 years. At ABI we have designed mobile apps so you can monitor your taxi cab insurance policies anytime, anywhere. Drive confidently knowing that everything you need is at your fingertips.

Benefits of Taxi Cab Insurance from ABI:

  • Customizable to your policy needs
  • Certificate issuance available in minutes
  • Mobile apps with your policy details
  • Over 35+ years of experience
  • 40,000 vehicles insured
  • Competitive pricing

Customizable Taxi Cab Insurance

We have the experience necessary to know the field. We then pair this knowledge with top of the line technology – and we do not outsource. Our in-house programmers will work directly with you to design a custom plan to meet your individual taxi cab insurance needs. We will design a policy that covers the needs of all parties involved.

We understand the time-sensitive nature and regulatory requirements involved in operating a passenger transportation company. With a specific department dedicated to certificate issuance, we are able to have our client’s vehicles on the road within minutes of a request.

We pride ourselves on providing prompt, reliable, experienced, innovative, and competitive services and solutions to our loyal customers.

Taxi Cabs: A Brief History

The first electric taxi cab came in a fleet of 600 cars to NYC. These taxis were dubbed “hummingbirds” due to the electronic humming noise they made. The word taxicab was originally used as one work after “taximeter” the device used to keep track of distance and fare. In the 1980s computer assisted taxi cabs were dispatched to those who were in need of a cab. Nowadays passengers can order a taxi cab straight from their phone to be picked up in minutes.

Paratransit Insurance: Affordable Coverage for Your Fleet

Paratransit Insurance

Having the proper paratransit insurance is very important to your paratransit automobile or fleet. The services that paratransit automobiles accomplish for the disabled is truly life changing, and deserves insurance that is equally stellar.

You need to ensure the safety and reliability of your paratransit vehicle to protect your passengers and yourself. Paratransits are essential parts of society and provide mobility to those who would otherwise not have access. Paratransit services are custom to many different disabilities and the automobiles are equipped to serve handicapped or disabled persons in the most efficient way possible.

Paratransit Transportation

Thanks to the Americans with Disabilities Act of 1990, paratransit services are now a daily reality for many American’s with disabilities. By providing transportation for those with disabilities, paratransit services are paramount to the well-being and mobility of thousands of disabled Americans.

Veterans and the elderly are just a few of the people who utilize paratransit services. Without these versatile automobiles, short trips in the car would be impossible for many disabled persons. Paratransit services not only provide essential mobility, they also greatly improve the quality of life of many people. Thanks to paratransit services, those who would otherwise not have an accessible and mobile life, are able to find their freedom.

Paratransit Insurance at ABI Insurance Services Inc

ABI Insurance Services Inc was founded in 1984 and we offer experience and expertise in the insurance realm. ABI is one of largest commercial transportation insurance agencies.

Additionally approximately 40,000 vehicles are currently covered by ABI. For over 35+ years we have offered top of the line customer service and knowledgable insight into paratransit insurance.

Furthermore, at ABI we value our client’s business and take pride in the partnerships we have curated for the past 35 years.

At ABI we have designed mobile apps so you can monitor your paratransit insurance policies anytime, anywhere. So you can rest assured knowing that everything you need is at your fingertips.

Paratransit Insurance Catered to your Specific Needs

We have the experience necessary to know the field. We then pair this knowledge with top of the line technology. Our in-house programmers will work directly with you to design a custom plan to meet your individual paratransit insurance needs. We will design a policy that covers the intricate needs of all parties involved.

At ABI, we understand the time-sensitive nature and regulatory requirements involved in operating a passenger transportation company. With a specific department dedicated to certificate issuance, we are able to have our client’s vehicles on the road within minutes of a request.

We pride ourselves on providing prompt, reliable, experienced, innovative, and competitive services and solutions to our loyal customers.

Paratransit Services Provide:

  • Mobility to disabled
  • Access to accessible transportation
  • Freedom to go places and run errands
  • Better life quality for those who are disabled

Have More Questions about Paratransit Insurance?

Visit our contact page to learn more or speak with an agent to get all your questions answered promptly.

Ready to sign up for Paratransit Insurance?

We look forward to helping you fulfill your insurance needs. Please click here to be redirected to our sign up page.

 

 

For Hire Livery Insurance

For hire livery insurance is a special type of insurance that covers vehicles used to transport people, such as Taxis, Limos, buses, and other non-emergency transport services. American Business Insurance covers a wide variety of services, that means we cover other non-traditional services other than taxis and black cars. If you are a business owner that operates a fleet of transportation vehicles, you should consider getting coverage from American Business Insurance. Why? Because at American Business Insurance we are always thinking ahead, and we have the flexibility unlike the other large insurance corporations. That is why we are introducing special insurance coverages for drivers for Uber, Lyft, Turo, and Get Around. This shows that our business is always innovating and looking for ways to change with the industry.

Introducing Period X ™ & Period Zero ™

Period X ™ & Period Zero ™ are our brand new services tailored to for hire livery services such as Uber, Lyft, Turo and Get Around. These special coverages are similar to our other fleet insurance policies, where the coverage is on a pay-per-drive or pay-per-mile basis. American Business Insurance understands that these ride sharing services are on the rise recently, and in order to counter these changes in the industry our company needs to stay innovative to be on top of the game. One of the benefits for For Hire Livery Insurance is the collision coverage. According to the Insurance company State Farm, on average a driver files an insurance claim every 17 years, or roughly one accident per 300,000 miles you drive (based on the average American driving statistics). As a ride sharing driver you will be driving A LOT more than the average American, that means you should consider getting For Hire Livery Insurance even more than the average American.

Besides Collision coverage, our for hire livery insurance coverage includes different options such as liability protection, driver protection, and vehicle protection, and also the ability to cover your medical expenses in case of an accident. At American Business Insurance, we understand that accidents to happen, and we are here to minimize the trouble for you. If you own a car and use it for ridesharing services, you should consider using American Business Insurance’s brand new Period X ™ & Period Zero ™ plans.

Other For Hire Livery Insurance Options

If you don’t drive a Uber or Lyft, we do have other coverage that targets specific non-emergency vehicles such as buses, limos, black cars, and even trucks. Some of these services include Child Transportation, Elderly transportation, and also airport transportation services. However, many of these services have certain limitations based on the vehicle and the State that the company is operating in. At American Business Insurance, we strive to provide you with the best For Hire Livery Insurance quotes that are tailored to your specific company and your situation. Our company operates across the United States, that means we know all of the Ins and Outs of each State and its specific regulations.

In conclusion, you should consider American Business Insurance if you are in the market of For Hire Livery Insurance. Throughout the 30+ years American Business Insurance is in business, we have always strived to provide the best insurance coverage tailored to your specific company. So what are you waiting for? Go online to abiweb.com and shop around our different policies, and even if you’re not in the market for For Hire Livery Insurance policies, we have other commercial insurance policies available. Get Insured today.

How ABI is Protecting HyreCar

How ABI is Protecting Hyrecar

Ride-sharing services are taking the world of transportation by storm. Uber and Lyft are constantly relied on both by riders who need to get places efficiently, and by those who are employed by either company. However, many people are not aware that vehicles must meet certain standards in order to provide rides by Uber and Lyft. Due to these specific requirements for cars, many who desire to drive for the ride-sharing service aren’t allowed the opportunity. There was nothing they could do- until Hyrecar.

The Solution

HyreCar has arrived as the first car-matching service that works hand in hand with Uber and Lyft. The concept is simple: for those who desire to drive but don’t have a car that meets the requirements, HyreCar allows you to rent one and get right to work. Most issues that are preventing certain cars from qualifying for Uber and Lyft are simply problems that are typical of older vehicles. Its a lot to ask of someone to make them purchase an entirely new vehicle just to pass the restrictions test. In turn, less people would drive for Uber and Lyft, which hurts both the would-be drivers and the companies themselves.

The Process

HyreCar realized the very simple solution to this problem, and the founders were shocked when they found that no one had discovered this niche market yet. HyreCar’s platform is easy to use, while still being thorough. It allows car owners to post their vehicles that are up for rental, and when drivers find one they want, they create a profile. This profile includes information such as driver’s license and social security numbers, and drivers can pay just by entering their credit card information into the platform. HyreCar’s founders believe that their screening process for drivers is even stricter than those of Uber and Lyft, checking things like criminal records, DMV records, and sex-offender databases.

Everybody Wins

Thanks to HyreCar, everybody involved benefits in some way. Cars that would otherwise be sitting in a garage or not in use somewhere are making their owners money. Those who wish to be drivers are given an easy way to fulfill that desire without buying a whole new car. Uber and Lyft have more drivers for their companies and therefore generate more business. HyreCar benefits by charging drivers that rent from them a 10% fee and car owners a 15% fee.

How ABI is Covering HyreCar

American Business Insurance is providing HyreCar with a unique insurance policy to ensure the highest level of safety for both the drivers and riders. When a driver is not driving for a ride-sharing platform but is still in possession of the rented car, they are covered by ABI’s policy that covers both the riders and drivers. When they are driving for a ride-sharing platform with the rented car, the insurance defaults to the state-mandated policy provided by the respective ride-sharing company.

As far as HyreCar is aware, they are the only car-matching service that utilizes a unique insurance policy such as the one provided by American Business Insurance. Thanks to ABI, HyreCar now has a competitive advantage that will likely continue to garner success for the company.

NEMT Insurance in Utah

Looking for NEMT Insurance in Utah?

Are you looking for a professional insurance agency that knows the ins-and-outs of Non-Emergency Medical Transportation, or NEMT Insurance, in Utah? American Business Insurance Services specializes in helping companies find and maintain the best amount of insurance. Our goal is to make sure that your business, employees, and customers are all protected without breaking the bank. We know that unlike standard automobiles, even a fender bender can create circumstances for a large claim due to the potentially fragile passengers being transported.

NEMT Services in UtahAmerican Business Insurance provides professional advice that will help you fully cover your business from all liabilities that could hurt your company. With this consultative-style approach, we are able to recommend the most comprehensive and most cost-effective NEMT insurance for your business. American Business Insurance Services, Inc. has been writing this class of business for over 35 years. Experience with NEMT coverage cannot be understated when you consider the vast requirements that apply to this type of policy. American Business Insurance currently offers NEMT insurance in Utah as well as nearly every other state in the U.S.

NEMT Insurance in Utah for Company Fleets

We all have loved ones, that at one time or another, are in need of consistent medical care. Whether they be our aging grandparents, parents, or even our in-laws, we want the best care for them. But sometimes, our lives get a bit hectic and busy. We can’t always find the time to escort our loved ones to doctor appointments and other medical treatment centers. Although, there are ways to make this process a little easier. Many families, hospitals, and doctor offices turn to Paratransit Service or Non-Emergency Medical Transportation (NEMT) providers to fill this need. The Americans with Disabilities Act of 1990, made paratransit service a daily reality for many Americans with disabilities. By providing transportation for those with disabilities, paratransit services are paramount to the well-being and mobility of thousands of Americans.

NEMT Insurance in Utah

Even for those who have loved ones nearby, it’s not always convenient or possible to be available at all hours. Non-emergency medical transportation in Utah can be very advantageous for individuals who are unable to use conventional transportation means. NEMT services in Utah have several benefits. First off, medical transportation services in Utah provide some of the safest transportation options available. Moreover, NEMT services are health-focused – which can be especially important for those with a disability or health condition, as well as the elderly.

non emergency medical transportation vehicle

As a NEMT business owner, this is where your company comes into play. If you are a NEMT agency that operates fleets in Utah, it’s especially important that you have NEMT insurance. American Business Insurance works with agencies to provide the best available coverage. Having the right NEMT insurance in Utah is essential in making sure your business and customers are covered in case of an incident.

When customers are looking to choose a paratransit service or agency to be responsible for their loved ones, they will be looking into the NEMT company to make sure their loved one is going to be safe and protected.  American Business Insurance Services, Inc. provides NEMT insurance to companies in Utah as well as nationwide, creating customized policies to best serve the client’s needs.

How to Decide on NEMT Insurance for Your Company Fleet

There are a lot of factors that go into finding the best NEMT insurance coverage for your non-emergency medical transportation’s large fleet. Therefore, prepare to answer a few questions when working with American Business Insurance to find you the best quote to match your business needs.

  • Are the majority of your trips for passengers ambulatory or non-ambulatory?
  • Does your company contract with LogistiCare or other providers with strict insurance requirements?
  • Do your vehicles have lifts or ramps?
  • Do your vehicles include backup cameras so your drivers can see whether or not someone in a low wheelchair is behind the vehicle when backing?

Insurance companies ask these questions to ensure you are fully covered under your policy. At American Business Insurance Services, Inc., we guarantee the most thorough coverage for your large fleet. Furthermore, we have trained professionals who will take care of everything, and will guide you through the process of properly insuring your NEMT fleet most efficiently!

Why You (the Paratransit service/agency) Need Full Coverage

Having proper paratransit or NEMT insurance is critical to operating a successful transportation business. The services that paratransit automobile fleets accomplish for those in need is truly life-changing and deserves insurance that is equally up to par.

Moreover, the reason you (the Paratransit service/agency) need NEMT fleet insurance is to ensure the safety and reliability of your paratransit service company, protecting your passengers and your business.

Coverage Requirements for Paratransit and NEMT Companies

It’s crucial to know exactly what’s in your NEMT coverage contract. At American Business Insurance, we examine the contract providers and the requirements that they have. For example, let’s look at LogistiCare.

  • $1,000,000 Combined Single Limit of Auto Liability Coverage
  • Hired & Non-Owned Coverage (Symbols 2,8,9)
  • Loading & Unloading Coverage
  • General Liability Coverage at $1,000,000 per incident $2,000,000 Aggregate
  • Sexual Abuse and Molestation Coverage (limits can vary by location)

There are other requirements in addition to the ones listed above. However, if you are missing any of those items on your insurance policy, LogistiCare will suspend your account. Many large Non-Emergency fleets have a long list of additional interests that have different insurance requirements.

Typically, we will ask for a copy of the provider insurance section of the contract to make absolutely sure that we’ve gotten your coverage written correctly. American Logistics, SoutheastTrans, and other NEMT providers have extremely particular requirements for coverage to protect them. Why is this? One answer: safety.

How Can American Business Insurance Services, Inc. Help?

If you have questions or are seeking further guidance, please don’t hesitate to contact us. Call us Monday – Friday, from 8 am to 5 pm PST: 800-980-1950 or email us anytime! We would love to help you get your NEMT business in Utah off the ground and paired with an insurer that’s right for you. Be sure to check out our social media: Instagram, Facebook, LinkedIn.

How to Save the MOST Money on Your Commercial Fleet Insurance Rates

ABI Transportation Experts Speak: How to Save the MOST Money on Your Commercial Fleet Insurance Rates

Written by Laura Loftus on Thursday, February 28th, 2019

 

When speaking with clients about their commercial fleet insurance, the most common concern is how to get the lowest insurance rates. About 100% of the customers I speak to daily all have the same goal – they want the lowest insurance rates available and will do whatever it takes to get it. Whether you own a Taxi, Limo, Paratransit or Shared Economy company (peer to peer platform app), it’s a given that you want your commercial fleet insurance coverage at the lowest insurance rates available. What many companies don’t realize, especially start-ups, is that commercial fleet insurance underwriters do quite a bit of digging on your company through a variety of platforms to “check you out” prior to releasing a quote. They read Yelp reviews, they look at your website, they do Better Business Bureau checks – all of it.

There are common mistakes that transportation service companies are repeatedly making that will create doubt in a commercial fleet insurance company. These mistakes actually prevent your broker from being able to find the lowest insurance rates for your company. Most of these companies think they are making business decisions that will guide them toward the lowest insurance rates, and are unaware that their current website or driver pool is actually hurting their chances of achieving the lowest possible commercial fleet insurance rate.

Five common flubs transportation service companies are making that prevent your commercial fleet insurance broker from obtaining the lowest insurance rates possible:

1) Company Website

The first and most common mistake we see from commercial auto risks who are in the “wheels” business as us underwriters call it – is that you over the amount of experience or size of your transportation service company.  It is common for commercial fleet insurance underwriters to google your company to pick apart your website. Here are some items you may think are helping your chances at obtaining the lowest insurance rates but are actually red flags to commercial fleet insurance companies:

  •  Words like “Fast Pick-up” or ‘Delivery in Minutes” – no commercial fleet insurance underwriter wants to see that you are promising rushed services. Rushing = equals unsafe driving behavior.

commercial fleet insurance

  • Advertising vehicles that are not actually part of your fleet. For example, just yesterday I was helping a 35-car fleet in Portland with obtaining commercial fleet insurance quotes. The list of vehicles they provided were all private passenger type vehicles (meaning seating capacity of 8 or less) – good! But when I searched the company online, they advertised a large shuttle bus and a higher seating capacity van. When I asked the client about this, they those vehicles had been sold and they had no plans to replace them. Keeping your website up to date and only advertising only what you can actually deliver will keep unwanted questions from creeping into the commercial fleet insurance underwriters’ mind. Creating uncertainty is the last thing you want to do with a commercial fleet insurance underwriter when trying to obtain the lowest insurance rates.
  •  Age of vehicles is important to commercial fleet insurance companies. Publishing a picture of a 30-year-old vehicle is no bueno. Keep your fleet serviced regularly (we recommend every three to four thousand miles and cycle out old units. Newer, cleaner & well-maintained vehicles are not only more desired by clientele (when trying to compete with Uber/Lyft) but also preferred by commercial fleet insurance companies trying to avoid claims due to mechanical defect.
  • If you boast 20 years of experience but your LLC was filed three years ago, it creates uncertainty with insurance companies. It’s better to accurately reflect your business as it is now, and not what you want it to be five years from now. Just as there are items to avoid putting on your website, there are points that you should include on your website. It is always a good idea to brag about highly trained drivers and safety training you provide (more on this later). Be sure to note the maintenance you keep up with for your fleet, the background checks the city you operate in mandates and the highest level of driving records required for your drivers. Commercial fleet insurance underwriters like stable fleets with safe drivers. Bottom line, safer risks translates to commercial fleet insurance underwriters offering the lowest insurance rates.

2) Creating a Business Name

This may seem simple enough but for transportation business owners looking to for the lowest insurance rates, people often think that commercial fleet insurance companies give the lowest insurance rates to Limo’s and Non-Emergency Medical risks over a taxi or airport shuttle. While this might be true, cornering yourself into a specific type of transportation in your business name narrows the list of commercial fleet insurance carriers you are eligible for. Many markets write only taxis or only limos. So, if you file your business name with the Secretary of State as Laura’s Taxi & Limo Service, LLC. – it could possibly make you ineligible for a limo commercial fleet insurance program because they don’t insure taxis and vice versa – even if your unit type meets their requirements. When talking with clients, I always say it’s best to be general about the transportation type within the name of their business, especially as market conditions change. You may be heavy in taxi trips one year but then obtain a paratransit contract and do more of that the following year. The more years of favorable loss history (loss runs) you can provide, the better chance you have at obtaining the lowest insurance rates. Choosing a business name that is general such as Laura’s Transportation Service, LLC. allows you flexibility to transform and evolve your business as the industry demands change.

3) Loss Control is Everything

Underwriters give commercial fleet insurance at the lowest insurance rates to companies with low levels of paid claims. Even in a hard insurance market, with rates rising for the good guys too, you can expect to pay more for commercial fleet insurance if you’re prior insurance companies have paid a lot in claims. Here are some suggestions in tightening loss control for your transportation service company:

  •  Hire a full-time loss control or driver manager who will enforce a safety culture. Doing this, will lower the frequency and severity of claim payouts and put your transportation service company in a better position to obtain the lowest insurance rates. This person should be in charge of overseeing the overall safety of your company. Managing and coaching your drivers is the key to a successful transportation service company. You are only as good as your worst driver.
  • commercial fleet insurance Invest in cameras that capture not only accidents but also driver analytics. This type of camera system will allow you to review driver behavior and correct bad habits before they cause an accident. We like to say this method is similar to that of a professional athlete. How do they improve? They watch their game film and correct bad habits. Driving professionally is the same. The more you do it, the more comfortable you get and having drivers watch themselves reduces risky behavior dramatically. Additionally, it’s a known fact that many commercial fleet insurance claims are paid because of he said/she said situations. Having accidents on camera is the best way to know who exactly was at fault and exonerate innocent drivers.
  •  Hold weekly safety huddles and or monthly meetings. Review the data and claims that have occurred recently and talk to your drivers about how they could have been prevented.
  •  Commit to investing in annual defensive driving training for your drivers. This annual reminder to drivers will ensure that bad habits are addressed and give each driver a time to reflect on their own performance.
  • Implement a reward program for safe drivers. Giving an incentive, even if it’s small monetary gift cards – keeps your drivers focused and motivated on safe driving habits.

4) The Driver Pool

The Driver Pool is so important when trying to achieve the lowest insurance rates from commercial fleet insurance providers for your transportation company. How you chose to manage drivers and who you hire is crucial. Create formal guidelines that clearly outline what is acceptable for employment. We recommend only hiring drivers with zero accidents within the past three years and minimal moving violations. Clean MVRs are best but we know that professional drivers with experience usually do not have clean MVRs and this is ok. Professional drivers are on the road up to 3x more than someone commuting to/from work so it’s a given that they will most likely have more violations on their records. Repeat offenders can impact the cost of your commercial fleet insurance and should be let go. No one is perfect, but you should train your drivers with the goal to be as safe as possible. Excessive violations on a driving record can cause surcharges and prevent you from obtaining the lower insurance rates. Additionally, younger drivers sometimes generate higher premiums for commercial fleet insurance as well as newly licensed individuals.

5) Contact an Experienced, Transportation Insurance Broker

commercial fleet insurance

Working with a transportation specialist versus a local agency makes a huge difference as commercial fleet insurance brokers have access to many more transportation focused insurance companies. Also, an experienced broker will review your company data prior to submitting to commercial fleet insurance companies. If they see something a commercial fleet insurance company won’t like, they can address it with you and provide you with an opportunity to make changes before submitting to each carrier. The more information you can provide to a commercial fleet insurance underwriter, the better chances you have at achieving the lowest insurance rates. Because the for-hire, livery insurance market is so thin, carriers often get multiple submissions from duplicate brokers. Try to work with one broker at a time. You may think contacting multiple agencies well help you, but if they are all going to the same markets for commercial fleet insurance – it’s duplicating not only your own work, but the insurance companies as well. The livery market is a tough class of business and finding an experienced broker will absolutely give you a leg up on finding the lowest insurance rates over a generalist broker.

American Business Insurance Services, Inc. has been working with transportation companies across the nation for 35+ years. We have direct relationships with the most competitive commercial fleet insurance companies. We know what it takes to submit a complete application and present your company in the best light possible – which will no doubt translate to finding commercial fleet insurance at the lowest insurance rate.

Looking for a quote? Click here

Autonomous Car Insurance and How it Works

How Autonomous Car Insurance Works

With technology in our society advancing at such an incredible rate, all of our cars could have minds entirely of their own within years. As a matter of fact, we are on our way there already. They are not yet available on a large scale. However, autonomous cars certainly are a reality and could eventually integrate themselves fully into our everyday lives. The question that many are asking has to do with insurance for an autonomous car. Car insurance typically protects the driver and car from mistakes that are caused by the driver. So if all cars will be completely autonomous and self-sufficient from humans, what is the point of insurance? If the car gets in an accident, who is then held responsible? In this futuristic dilemma, car insurance will work a little differently than we’re used to, but American Business Insurance is prepared to handle it.

How Do Autonomous Vehicles Work?

Essentially, autonomous vehicle manufacturers and designers will think of everything that a car needs a human for and remove those needs. For example, an autonomous car will be built with a GPS in it, so it doesn’t need a person to control navigation. Many of them also have sensors in and around them, in order to help them avoid accidents. Of course, this would typically be the job of the driver. There is also the element of augmented reality. AR is a method of getting information to the driver, such as displaying it on the windshield. This information could be directions, the speed of the car, information about the music thats playing, etc. And the vehicle is the one that has it all. The would-be driver just turns into a rider, and the car handles the rest.

Changes in Insurance

Insurance for autonomous vehicles will play a different role than insurance for a regular car. Instead of the driver or owner of the vehicle being responsible for accidents, it would likely be the manufacturer of the autonomous vehicle. Now, its rare for a malfunction of the vehicle to be the cause of an accident; they are almost always a result of human error. This could be the largest change to car insurance if and when autonomous vehicles become a norm in our society. Manufacturers being held responsible for insuring each vehicle themselves will create an expensive, long-term process before the vehicles can be safely put to use. It will also require an extensive process of making sure that many ethical issues are covered.

ABI’s Role

The idea that human-operated vehicles will be obsolete in everyday life may seem plausible only in the distant future. However, functioning autonomous cars are on their way to changing transportation forever. There are countless pros to autonomous vehicles, but insuring all vehicles so that riders are promised complete safety would be the primary con. To ease the process of insuring self-driving cars, ABI’s Insurance Services have exactly what it takes for companies to make the transition from human-driven cars to self-driven cars. With 75 years of experience in transportation network companies, ABI can make riders feel safe using new technology, and help our society continue to evolve in amazing ways. ABI has direct relationships with the insurance carriers they write policies through, allowing for great efficiency and attention to detail. But you don’t have to wait for all cars to drive themselves to achieve this kind of protection and safety; contact ABI for both large and small fleet insurance today!

Taxi Cab Insurance: The Best Coverage for the Best Price

Taxi Cab Insurance

Taxis are the go-to transportation mode for people all over the country. There are many tales about heroic cabbies coming to save the day or night. Some dub the driver’s seat of taxi cab the world’s best free theater. It is important to have great taxi cab insurance!

As many heart-warming and glorious stories out there about taxi cabs, there a few less-than desirable stories as well. That’s when taxi cab insurance by ABI comes to the rescue! We have your back no matter what.

Why Taxi Cab Insurance with ABI?

Founded in 1984, ABI Insurance services offer the experience and expertise needed in the insurance realm. With new policies and insurance guidelines coming out regularly, it is important to stay in the know about any new changes. Staying up to date in policy lingo isn’t the easiest (or most amusing) pastime – so leave it to the professionals at ABI. We are also current and up to date with the newest policies when it comes to taxi cab insurance.

ABI is also one of largest commercial transportation insurance agencies. Additionally approximately 40,000 vehicles are currently covered by ABI. You can rest assured knowing that thousands of other taxi cab owners have trusted with with insuring their vehicle or fleet. For over 35+ years we have offered top of the line customer service and knowledgeable insight into taxi cab insurance.

Furthermore, at ABI we value our client’s business and take pride in the partnerships we have curated for the past 35 years. At ABI we have designed mobile apps so you can monitor your taxi cab insurance policies anytime, anywhere. Drive confidently knowing that everything you need is at your fingertips.

Benefits of Taxi Cab Insurance from ABI:

  • Customizable to your policy needs
  • Certificate issuance available in minutes
  • Mobile apps with your policy details
  • Over 35+ years of experience
  • 40,000 vehicles insured
  • Competitive pricing

Customizable Taxi Cab Insurance

We have the experience necessary to know the field. We then pair this knowledge with top of the line technology – and we do not outsource. Our in-house programmers will work directly with you to design a custom plan to meet your individual taxi cab insurance needs. We will design a policy that covers the needs of all parties involved.

We understand the time-sensitive nature and regulatory requirements involved in operating a passenger transportation company. With a specific department dedicated to certificate issuance, we are able to have our client’s vehicles on the road within minutes of a request.

We pride ourselves on providing prompt, reliable, experienced, innovative, and competitive services and solutions to our loyal customers.

Taxi Cabs: A Brief History

The first electric taxi cab came in a fleet of 600 cars to NYC. These taxis were dubbed “hummingbirds” due to the electronic humming noise they made. The word taxicab was originally used as one work after “taximeter” the device used to keep track of distance and fare. In the 1980s computer assisted taxi cabs were dispatched to those who were in need of a cab. Nowadays passengers can order a taxi cab straight from their phone to be picked up in minutes.

Paratransit Insurance: Affordable Coverage for Your Fleet

Paratransit Insurance

Having the proper paratransit insurance is very important to your paratransit automobile or fleet. The services that paratransit automobiles accomplish for the disabled is truly life changing, and deserves insurance that is equally stellar.

You need to ensure the safety and reliability of your paratransit vehicle to protect your passengers and yourself. Paratransits are essential parts of society and provide mobility to those who would otherwise not have access. Paratransit services are custom to many different disabilities and the automobiles are equipped to serve handicapped or disabled persons in the most efficient way possible.

Paratransit Transportation

Thanks to the Americans with Disabilities Act of 1990, paratransit services are now a daily reality for many American’s with disabilities. By providing transportation for those with disabilities, paratransit services are paramount to the well-being and mobility of thousands of disabled Americans.

Veterans and the elderly are just a few of the people who utilize paratransit services. Without these versatile automobiles, short trips in the car would be impossible for many disabled persons. Paratransit services not only provide essential mobility, they also greatly improve the quality of life of many people. Thanks to paratransit services, those who would otherwise not have an accessible and mobile life, are able to find their freedom.

Paratransit Insurance at ABI Insurance Services Inc

ABI Insurance Services Inc was founded in 1984 and we offer experience and expertise in the insurance realm. ABI is one of largest commercial transportation insurance agencies.

Additionally approximately 40,000 vehicles are currently covered by ABI. For over 35+ years we have offered top of the line customer service and knowledgable insight into paratransit insurance.

Furthermore, at ABI we value our client’s business and take pride in the partnerships we have curated for the past 35 years.

At ABI we have designed mobile apps so you can monitor your paratransit insurance policies anytime, anywhere. So you can rest assured knowing that everything you need is at your fingertips.

Paratransit Insurance Catered to your Specific Needs

We have the experience necessary to know the field. We then pair this knowledge with top of the line technology. Our in-house programmers will work directly with you to design a custom plan to meet your individual paratransit insurance needs. We will design a policy that covers the intricate needs of all parties involved.

At ABI, we understand the time-sensitive nature and regulatory requirements involved in operating a passenger transportation company. With a specific department dedicated to certificate issuance, we are able to have our client’s vehicles on the road within minutes of a request.

We pride ourselves on providing prompt, reliable, experienced, innovative, and competitive services and solutions to our loyal customers.

Paratransit Services Provide:

  • Mobility to disabled
  • Access to accessible transportation
  • Freedom to go places and run errands
  • Better life quality for those who are disabled

Have More Questions about Paratransit Insurance?

Visit our contact page to learn more or speak with an agent to get all your questions answered promptly.

Ready to sign up for Paratransit Insurance?

We look forward to helping you fulfill your insurance needs. Please click here to be redirected to our sign up page.

 

 

For Hire Livery Insurance

For hire livery insurance is a special type of insurance that covers vehicles used to transport people, such as Taxis, Limos, buses, and other non-emergency transport services. American Business Insurance covers a wide variety of services, that means we cover other non-traditional services other than taxis and black cars. If you are a business owner that operates a fleet of transportation vehicles, you should consider getting coverage from American Business Insurance. Why? Because at American Business Insurance we are always thinking ahead, and we have the flexibility unlike the other large insurance corporations. That is why we are introducing special insurance coverages for drivers for Uber, Lyft, Turo, and Get Around. This shows that our business is always innovating and looking for ways to change with the industry.

Introducing Period X ™ & Period Zero ™

Period X ™ & Period Zero ™ are our brand new services tailored to for hire livery services such as Uber, Lyft, Turo and Get Around. These special coverages are similar to our other fleet insurance policies, where the coverage is on a pay-per-drive or pay-per-mile basis. American Business Insurance understands that these ride sharing services are on the rise recently, and in order to counter these changes in the industry our company needs to stay innovative to be on top of the game. One of the benefits for For Hire Livery Insurance is the collision coverage. According to the Insurance company State Farm, on average a driver files an insurance claim every 17 years, or roughly one accident per 300,000 miles you drive (based on the average American driving statistics). As a ride sharing driver you will be driving A LOT more than the average American, that means you should consider getting For Hire Livery Insurance even more than the average American.

Besides Collision coverage, our for hire livery insurance coverage includes different options such as liability protection, driver protection, and vehicle protection, and also the ability to cover your medical expenses in case of an accident. At American Business Insurance, we understand that accidents to happen, and we are here to minimize the trouble for you. If you own a car and use it for ridesharing services, you should consider using American Business Insurance’s brand new Period X ™ & Period Zero ™ plans.

Other For Hire Livery Insurance Options

If you don’t drive a Uber or Lyft, we do have other coverage that targets specific non-emergency vehicles such as buses, limos, black cars, and even trucks. Some of these services include Child Transportation, Elderly transportation, and also airport transportation services. However, many of these services have certain limitations based on the vehicle and the State that the company is operating in. At American Business Insurance, we strive to provide you with the best For Hire Livery Insurance quotes that are tailored to your specific company and your situation. Our company operates across the United States, that means we know all of the Ins and Outs of each State and its specific regulations.

In conclusion, you should consider American Business Insurance if you are in the market of For Hire Livery Insurance. Throughout the 30+ years American Business Insurance is in business, we have always strived to provide the best insurance coverage tailored to your specific company. So what are you waiting for? Go online to abiweb.com and shop around our different policies, and even if you’re not in the market for For Hire Livery Insurance policies, we have other commercial insurance policies available. Get Insured today.

How ABI is Protecting HyreCar

How ABI is Protecting Hyrecar

Ride-sharing services are taking the world of transportation by storm. Uber and Lyft are constantly relied on both by riders who need to get places efficiently, and by those who are employed by either company. However, many people are not aware that vehicles must meet certain standards in order to provide rides by Uber and Lyft. Due to these specific requirements for cars, many who desire to drive for the ride-sharing service aren’t allowed the opportunity. There was nothing they could do- until Hyrecar.

The Solution

HyreCar has arrived as the first car-matching service that works hand in hand with Uber and Lyft. The concept is simple: for those who desire to drive but don’t have a car that meets the requirements, HyreCar allows you to rent one and get right to work. Most issues that are preventing certain cars from qualifying for Uber and Lyft are simply problems that are typical of older vehicles. Its a lot to ask of someone to make them purchase an entirely new vehicle just to pass the restrictions test. In turn, less people would drive for Uber and Lyft, which hurts both the would-be drivers and the companies themselves.

The Process

HyreCar realized the very simple solution to this problem, and the founders were shocked when they found that no one had discovered this niche market yet. HyreCar’s platform is easy to use, while still being thorough. It allows car owners to post their vehicles that are up for rental, and when drivers find one they want, they create a profile. This profile includes information such as driver’s license and social security numbers, and drivers can pay just by entering their credit card information into the platform. HyreCar’s founders believe that their screening process for drivers is even stricter than those of Uber and Lyft, checking things like criminal records, DMV records, and sex-offender databases.

Everybody Wins

Thanks to HyreCar, everybody involved benefits in some way. Cars that would otherwise be sitting in a garage or not in use somewhere are making their owners money. Those who wish to be drivers are given an easy way to fulfill that desire without buying a whole new car. Uber and Lyft have more drivers for their companies and therefore generate more business. HyreCar benefits by charging drivers that rent from them a 10% fee and car owners a 15% fee.

How ABI is Covering HyreCar

American Business Insurance is providing HyreCar with a unique insurance policy to ensure the highest level of safety for both the drivers and riders. When a driver is not driving for a ride-sharing platform but is still in possession of the rented car, they are covered by ABI’s policy that covers both the riders and drivers. When they are driving for a ride-sharing platform with the rented car, the insurance defaults to the state-mandated policy provided by the respective ride-sharing company.

As far as HyreCar is aware, they are the only car-matching service that utilizes a unique insurance policy such as the one provided by American Business Insurance. Thanks to ABI, HyreCar now has a competitive advantage that will likely continue to garner success for the company.

NEMT Insurance in Utah

Looking for NEMT Insurance in Utah?

Are you looking for a professional insurance agency that knows the ins-and-outs of Non-Emergency Medical Transportation, or NEMT Insurance, in Utah? American Business Insurance Services specializes in helping companies find and maintain the best amount of insurance. Our goal is to make sure that your business, employees, and customers are all protected without breaking the bank. We know that unlike standard automobiles, even a fender bender can create circumstances for a large claim due to the potentially fragile passengers being transported.

NEMT Services in UtahAmerican Business Insurance provides professional advice that will help you fully cover your business from all liabilities that could hurt your company. With this consultative-style approach, we are able to recommend the most comprehensive and most cost-effective NEMT insurance for your business. American Business Insurance Services, Inc. has been writing this class of business for over 35 years. Experience with NEMT coverage cannot be understated when you consider the vast requirements that apply to this type of policy. American Business Insurance currently offers NEMT insurance in Utah as well as nearly every other state in the U.S.

NEMT Insurance in Utah for Company Fleets

We all have loved ones, that at one time or another, are in need of consistent medical care. Whether they be our aging grandparents, parents, or even our in-laws, we want the best care for them. But sometimes, our lives get a bit hectic and busy. We can’t always find the time to escort our loved ones to doctor appointments and other medical treatment centers. Although, there are ways to make this process a little easier. Many families, hospitals, and doctor offices turn to Paratransit Service or Non-Emergency Medical Transportation (NEMT) providers to fill this need. The Americans with Disabilities Act of 1990, made paratransit service a daily reality for many Americans with disabilities. By providing transportation for those with disabilities, paratransit services are paramount to the well-being and mobility of thousands of Americans.

NEMT Insurance in Utah

Even for those who have loved ones nearby, it’s not always convenient or possible to be available at all hours. Non-emergency medical transportation in Utah can be very advantageous for individuals who are unable to use conventional transportation means. NEMT services in Utah have several benefits. First off, medical transportation services in Utah provide some of the safest transportation options available. Moreover, NEMT services are health-focused – which can be especially important for those with a disability or health condition, as well as the elderly.

non emergency medical transportation vehicle

As a NEMT business owner, this is where your company comes into play. If you are a NEMT agency that operates fleets in Utah, it’s especially important that you have NEMT insurance. American Business Insurance works with agencies to provide the best available coverage. Having the right NEMT insurance in Utah is essential in making sure your business and customers are covered in case of an incident.

When customers are looking to choose a paratransit service or agency to be responsible for their loved ones, they will be looking into the NEMT company to make sure their loved one is going to be safe and protected.  American Business Insurance Services, Inc. provides NEMT insurance to companies in Utah as well as nationwide, creating customized policies to best serve the client’s needs.

How to Decide on NEMT Insurance for Your Company Fleet

There are a lot of factors that go into finding the best NEMT insurance coverage for your non-emergency medical transportation’s large fleet. Therefore, prepare to answer a few questions when working with American Business Insurance to find you the best quote to match your business needs.

  • Are the majority of your trips for passengers ambulatory or non-ambulatory?
  • Does your company contract with LogistiCare or other providers with strict insurance requirements?
  • Do your vehicles have lifts or ramps?
  • Do your vehicles include backup cameras so your drivers can see whether or not someone in a low wheelchair is behind the vehicle when backing?

Insurance companies ask these questions to ensure you are fully covered under your policy. At American Business Insurance Services, Inc., we guarantee the most thorough coverage for your large fleet. Furthermore, we have trained professionals who will take care of everything, and will guide you through the process of properly insuring your NEMT fleet most efficiently!

Why You (the Paratransit service/agency) Need Full Coverage

Having proper paratransit or NEMT insurance is critical to operating a successful transportation business. The services that paratransit automobile fleets accomplish for those in need is truly life-changing and deserves insurance that is equally up to par.

Moreover, the reason you (the Paratransit service/agency) need NEMT fleet insurance is to ensure the safety and reliability of your paratransit service company, protecting your passengers and your business.

Coverage Requirements for Paratransit and NEMT Companies

It’s crucial to know exactly what’s in your NEMT coverage contract. At American Business Insurance, we examine the contract providers and the requirements that they have. For example, let’s look at LogistiCare.

  • $1,000,000 Combined Single Limit of Auto Liability Coverage
  • Hired & Non-Owned Coverage (Symbols 2,8,9)
  • Loading & Unloading Coverage
  • General Liability Coverage at $1,000,000 per incident $2,000,000 Aggregate
  • Sexual Abuse and Molestation Coverage (limits can vary by location)

There are other requirements in addition to the ones listed above. However, if you are missing any of those items on your insurance policy, LogistiCare will suspend your account. Many large Non-Emergency fleets have a long list of additional interests that have different insurance requirements.

Typically, we will ask for a copy of the provider insurance section of the contract to make absolutely sure that we’ve gotten your coverage written correctly. American Logistics, SoutheastTrans, and other NEMT providers have extremely particular requirements for coverage to protect them. Why is this? One answer: safety.

How Can American Business Insurance Services, Inc. Help?

If you have questions or are seeking further guidance, please don’t hesitate to contact us. Call us Monday – Friday, from 8 am to 5 pm PST: 800-980-1950 or email us anytime! We would love to help you get your NEMT business in Utah off the ground and paired with an insurer that’s right for you. Be sure to check out our social media: Instagram, Facebook, LinkedIn.

How to Save the MOST Money on Your Commercial Fleet Insurance Rates

ABI Transportation Experts Speak: How to Save the MOST Money on Your Commercial Fleet Insurance Rates

Written by Laura Loftus on Thursday, February 28th, 2019

 

When speaking with clients about their commercial fleet insurance, the most common concern is how to get the lowest insurance rates. About 100% of the customers I speak to daily all have the same goal – they want the lowest insurance rates available and will do whatever it takes to get it. Whether you own a Taxi, Limo, Paratransit or Shared Economy company (peer to peer platform app), it’s a given that you want your commercial fleet insurance coverage at the lowest insurance rates available. What many companies don’t realize, especially start-ups, is that commercial fleet insurance underwriters do quite a bit of digging on your company through a variety of platforms to “check you out” prior to releasing a quote. They read Yelp reviews, they look at your website, they do Better Business Bureau checks – all of it.

There are common mistakes that transportation service companies are repeatedly making that will create doubt in a commercial fleet insurance company. These mistakes actually prevent your broker from being able to find the lowest insurance rates for your company. Most of these companies think they are making business decisions that will guide them toward the lowest insurance rates, and are unaware that their current website or driver pool is actually hurting their chances of achieving the lowest possible commercial fleet insurance rate.

Five common flubs transportation service companies are making that prevent your commercial fleet insurance broker from obtaining the lowest insurance rates possible:

1) Company Website

The first and most common mistake we see from commercial auto risks who are in the “wheels” business as us underwriters call it – is that you over the amount of experience or size of your transportation service company.  It is common for commercial fleet insurance underwriters to google your company to pick apart your website. Here are some items you may think are helping your chances at obtaining the lowest insurance rates but are actually red flags to commercial fleet insurance companies:

  •  Words like “Fast Pick-up” or ‘Delivery in Minutes” – no commercial fleet insurance underwriter wants to see that you are promising rushed services. Rushing = equals unsafe driving behavior.

commercial fleet insurance

  • Advertising vehicles that are not actually part of your fleet. For example, just yesterday I was helping a 35-car fleet in Portland with obtaining commercial fleet insurance quotes. The list of vehicles they provided were all private passenger type vehicles (meaning seating capacity of 8 or less) – good! But when I searched the company online, they advertised a large shuttle bus and a higher seating capacity van. When I asked the client about this, they those vehicles had been sold and they had no plans to replace them. Keeping your website up to date and only advertising only what you can actually deliver will keep unwanted questions from creeping into the commercial fleet insurance underwriters’ mind. Creating uncertainty is the last thing you want to do with a commercial fleet insurance underwriter when trying to obtain the lowest insurance rates.
  •  Age of vehicles is important to commercial fleet insurance companies. Publishing a picture of a 30-year-old vehicle is no bueno. Keep your fleet serviced regularly (we recommend every three to four thousand miles and cycle out old units. Newer, cleaner & well-maintained vehicles are not only more desired by clientele (when trying to compete with Uber/Lyft) but also preferred by commercial fleet insurance companies trying to avoid claims due to mechanical defect.
  • If you boast 20 years of experience but your LLC was filed three years ago, it creates uncertainty with insurance companies. It’s better to accurately reflect your business as it is now, and not what you want it to be five years from now. Just as there are items to avoid putting on your website, there are points that you should include on your website. It is always a good idea to brag about highly trained drivers and safety training you provide (more on this later). Be sure to note the maintenance you keep up with for your fleet, the background checks the city you operate in mandates and the highest level of driving records required for your drivers. Commercial fleet insurance underwriters like stable fleets with safe drivers. Bottom line, safer risks translates to commercial fleet insurance underwriters offering the lowest insurance rates.

2) Creating a Business Name

This may seem simple enough but for transportation business owners looking to for the lowest insurance rates, people often think that commercial fleet insurance companies give the lowest insurance rates to Limo’s and Non-Emergency Medical risks over a taxi or airport shuttle. While this might be true, cornering yourself into a specific type of transportation in your business name narrows the list of commercial fleet insurance carriers you are eligible for. Many markets write only taxis or only limos. So, if you file your business name with the Secretary of State as Laura’s Taxi & Limo Service, LLC. – it could possibly make you ineligible for a limo commercial fleet insurance program because they don’t insure taxis and vice versa – even if your unit type meets their requirements. When talking with clients, I always say it’s best to be general about the transportation type within the name of their business, especially as market conditions change. You may be heavy in taxi trips one year but then obtain a paratransit contract and do more of that the following year. The more years of favorable loss history (loss runs) you can provide, the better chance you have at obtaining the lowest insurance rates. Choosing a business name that is general such as Laura’s Transportation Service, LLC. allows you flexibility to transform and evolve your business as the industry demands change.

3) Loss Control is Everything

Underwriters give commercial fleet insurance at the lowest insurance rates to companies with low levels of paid claims. Even in a hard insurance market, with rates rising for the good guys too, you can expect to pay more for commercial fleet insurance if you’re prior insurance companies have paid a lot in claims. Here are some suggestions in tightening loss control for your transportation service company:

  •  Hire a full-time loss control or driver manager who will enforce a safety culture. Doing this, will lower the frequency and severity of claim payouts and put your transportation service company in a better position to obtain the lowest insurance rates. This person should be in charge of overseeing the overall safety of your company. Managing and coaching your drivers is the key to a successful transportation service company. You are only as good as your worst driver.
  • commercial fleet insurance Invest in cameras that capture not only accidents but also driver analytics. This type of camera system will allow you to review driver behavior and correct bad habits before they cause an accident. We like to say this method is similar to that of a professional athlete. How do they improve? They watch their game film and correct bad habits. Driving professionally is the same. The more you do it, the more comfortable you get and having drivers watch themselves reduces risky behavior dramatically. Additionally, it’s a known fact that many commercial fleet insurance claims are paid because of he said/she said situations. Having accidents on camera is the best way to know who exactly was at fault and exonerate innocent drivers.
  •  Hold weekly safety huddles and or monthly meetings. Review the data and claims that have occurred recently and talk to your drivers about how they could have been prevented.
  •  Commit to investing in annual defensive driving training for your drivers. This annual reminder to drivers will ensure that bad habits are addressed and give each driver a time to reflect on their own performance.
  • Implement a reward program for safe drivers. Giving an incentive, even if it’s small monetary gift cards – keeps your drivers focused and motivated on safe driving habits.

4) The Driver Pool

The Driver Pool is so important when trying to achieve the lowest insurance rates from commercial fleet insurance providers for your transportation company. How you chose to manage drivers and who you hire is crucial. Create formal guidelines that clearly outline what is acceptable for employment. We recommend only hiring drivers with zero accidents within the past three years and minimal moving violations. Clean MVRs are best but we know that professional drivers with experience usually do not have clean MVRs and this is ok. Professional drivers are on the road up to 3x more than someone commuting to/from work so it’s a given that they will most likely have more violations on their records. Repeat offenders can impact the cost of your commercial fleet insurance and should be let go. No one is perfect, but you should train your drivers with the goal to be as safe as possible. Excessive violations on a driving record can cause surcharges and prevent you from obtaining the lower insurance rates. Additionally, younger drivers sometimes generate higher premiums for commercial fleet insurance as well as newly licensed individuals.

5) Contact an Experienced, Transportation Insurance Broker

commercial fleet insurance

Working with a transportation specialist versus a local agency makes a huge difference as commercial fleet insurance brokers have access to many more transportation focused insurance companies. Also, an experienced broker will review your company data prior to submitting to commercial fleet insurance companies. If they see something a commercial fleet insurance company won’t like, they can address it with you and provide you with an opportunity to make changes before submitting to each carrier. The more information you can provide to a commercial fleet insurance underwriter, the better chances you have at achieving the lowest insurance rates. Because the for-hire, livery insurance market is so thin, carriers often get multiple submissions from duplicate brokers. Try to work with one broker at a time. You may think contacting multiple agencies well help you, but if they are all going to the same markets for commercial fleet insurance – it’s duplicating not only your own work, but the insurance companies as well. The livery market is a tough class of business and finding an experienced broker will absolutely give you a leg up on finding the lowest insurance rates over a generalist broker.

American Business Insurance Services, Inc. has been working with transportation companies across the nation for 35+ years. We have direct relationships with the most competitive commercial fleet insurance companies. We know what it takes to submit a complete application and present your company in the best light possible – which will no doubt translate to finding commercial fleet insurance at the lowest insurance rate.

Looking for a quote? Click here

Autonomous Car Insurance and How it Works

How Autonomous Car Insurance Works

With technology in our society advancing at such an incredible rate, all of our cars could have minds entirely of their own within years. As a matter of fact, we are on our way there already. They are not yet available on a large scale. However, autonomous cars certainly are a reality and could eventually integrate themselves fully into our everyday lives. The question that many are asking has to do with insurance for an autonomous car. Car insurance typically protects the driver and car from mistakes that are caused by the driver. So if all cars will be completely autonomous and self-sufficient from humans, what is the point of insurance? If the car gets in an accident, who is then held responsible? In this futuristic dilemma, car insurance will work a little differently than we’re used to, but American Business Insurance is prepared to handle it.

How Do Autonomous Vehicles Work?

Essentially, autonomous vehicle manufacturers and designers will think of everything that a car needs a human for and remove those needs. For example, an autonomous car will be built with a GPS in it, so it doesn’t need a person to control navigation. Many of them also have sensors in and around them, in order to help them avoid accidents. Of course, this would typically be the job of the driver. There is also the element of augmented reality. AR is a method of getting information to the driver, such as displaying it on the windshield. This information could be directions, the speed of the car, information about the music thats playing, etc. And the vehicle is the one that has it all. The would-be driver just turns into a rider, and the car handles the rest.

Changes in Insurance

Insurance for autonomous vehicles will play a different role than insurance for a regular car. Instead of the driver or owner of the vehicle being responsible for accidents, it would likely be the manufacturer of the autonomous vehicle. Now, its rare for a malfunction of the vehicle to be the cause of an accident; they are almost always a result of human error. This could be the largest change to car insurance if and when autonomous vehicles become a norm in our society. Manufacturers being held responsible for insuring each vehicle themselves will create an expensive, long-term process before the vehicles can be safely put to use. It will also require an extensive process of making sure that many ethical issues are covered.

ABI’s Role

The idea that human-operated vehicles will be obsolete in everyday life may seem plausible only in the distant future. However, functioning autonomous cars are on their way to changing transportation forever. There are countless pros to autonomous vehicles, but insuring all vehicles so that riders are promised complete safety would be the primary con. To ease the process of insuring self-driving cars, ABI’s Insurance Services have exactly what it takes for companies to make the transition from human-driven cars to self-driven cars. With 75 years of experience in transportation network companies, ABI can make riders feel safe using new technology, and help our society continue to evolve in amazing ways. ABI ha