Protect Your Assets with Insurance

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Don’t be Underinsured for Physical Damage!
In light of series of destructive hurricanes these past few years, protecting your assets and equipment comes to the forefront of the minds of those of us in the transportation industry. “Excess Physical Damage Coverage” is not something most operators think about too often. Many commercial auto insurance policies contain a provision limiting the amount of coverage for any one single physical damage loss. A 1,000,000 limit is a typical amount that many fleet policies will contain. If you are a large operator and park more than a million dollars worth of equipment in any one location, you are at risk of being underinsured. What can you do? Buy Excess Physical Damage Coverage! This coverage is available, and relatively inexpensive compared to what you have to lose should bad things happen. Check your policy before its too late!!

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Dan is Regional Vice President at Capacity Coverage Group in Mahwah, NJ and has over 20 years of nationwide experience in the public transportation insurance industry specializing in limousine, school bus and almost any fleet and livery insurance issue. He was recently published in Limousine Digest. Read his article “But He’s One of Our Best Chauffeurs!” which was excerpted in the November 2012 issue at

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Contact Dan Thompson for questions or for more information on Public Transportation Insurance.