vehicle insurance for providing customer transportation to illinois taverns
December 27th, 2020
Transporting people for business is not an easy thing to do when it comes to finding companies that are willing to cover your liability costs. The idea of vehicle insurance for providing customer transportation to Illinois taverns is a good idea as there would certainly be clientele, but liability in this case is tricky. You have to be able to think of things from the insurance company’s point of view to be able to truly understand the concerns. Here are a few things for you to think about when considering this business venture.
1. What distance will you travel in order to transport people to and from Illinois taverns? If you are willing to drive 50 miles or more you might have some issues to think about as well. If you are just planning on driving people in the city metro area you might have an easier time. The longer your drives are the more likely your insurance company will make your rates higher.
2. When you state “customer transportation to Illinois taverns” are you just including taking people to the taverns? Or are you planning on returning them home as well? The idea certainly has a place in our society and would be applauded by law enforcement, but insurance is thinking about the risks involved. One of those risks would be filling your car with people that are intoxicated and not in their right mind to travel. These people could be a distraction to you and cause you to have an accident.
3. What times of the day will you be traveling? It is likely for this business venture to be successful that you will be working through the middle of the night. If this is the case your liability coverage will be more expensive because it is harder to see at night and there is a higher likelihood of other drivers being on the road that are not attentive to their driving. Your insurance company will be nervous about protecting your risk when you are putting yourself in such a risky situation each and every night.
None of this should keep you from trying such a business venture, but it should make you think about how you can make yourself less of a risk. The less risk you pose to the insurance company that you choose the less they will charge you to be covered. Insurance shouldn’t be all that you think about with a potential business idea, but it should definitely be considered so you can protect your assets. These are things to think about when you consider vehicle insurance for providing customer transportation to Illinois taverns.