Commercial Insurance
Before you do anything, get some quotes on commercial auto insurance. Be sure the agent knows it is for a pilot car. Not all commercial insurance will cover you as a pilot car. The most common amount of overage you will need is a $1 million commercial auto coverage and is the minimum you will need to run all lower 48 states. Some trucking companies and brokers will also require you to have General Liability coverage as well. The Professional Liability coverage will cover you on almost all duties that you will perform as a pilot car. You will need to choose what you want and what you can afford.
I currently have my commercial insurance through Noble Insurance Agency and my general and professional insurance through Charles James Cayias Insurance, Inc.. The following information is from their website.
COMMERCIAL AUTOMOBILE: As personal auto insurance policies exclude business operations, commercial issurance is essential. You will want $1 million in bodily injury and property damage coverage along with medical payments, personal injury protection (in those states that require it) and uninsured motorists, to protect you, your passengers and members of the public in case of an over-the-road accident. Comprehensive and collision coverage is also offered to protect your vehicle.
GENERAL LIABILITY: Will protect you against injury to members of the public at your premises, and damage to the property of others that does not involve an automobile. You can get limits of $1 million each occurrence and $2 million aggregate for losses occurring during the policy term.
PROFESSIONAL LIABILITY: Will provide you with protection for those activities normally excluded under a general libility policy because they are considered to be a professional exposure. $1 million in coverage for flagging, height pole, surveys and shunting services, subject to qualifications. No coverage is offered for rigging or tillerman servicers
States That Require Certification
State Certification Reciprocity
Which state certification is the best?
This depends on where are you located and what areas you plan to run? Are you planning on working regionally or nation-wide? Most state P/EVO certifications involve some form of reciprocity between other states that require a similar program. Use the table above to see which certification is the best for you.
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