As a private citizen, you come across a lot of things that you can’t work as a professional. Sometimes we help our neighbour dropping him in a hospital or may help neighbour nail boards to a deck. But you do such things to assist your friends. but when you start charging for doing the same things, then the rules are different. If you are a driver driving people around, for instance, you may need a chauffeur license in your state. When you get the license or even if you don’t have you need Chauffeur Insurance for your executive vehicle. this insurance cover protects your high-value executive vehicles.
When Is a Chauffeur Not a Chauffeur?
Chauffeur definition is different for different states. It depends upon the type of driving you to do and the kind of vehicle in which you do it you will be classified as a chauffeur driver.
You need to check the requirements in your own state to know if you should have a chauffeur license in order to operate your car.
Chauffeur Vehicle Insurance Basics
In fact, it is up to you and your broker to tailor a policy that exactly meets or exceeds your insurance needs, but the coverage offered by chauffeur insurance companies usually wrap up to some combination of the same basic types of coverage. That may include;
Property Damage Liability: this insurance policy offers you the coverage against any property damage caused by you or your vehicle or your employees. If you own the fleet and had an accident.
Employment Practices Liability: you may have come across many news stories about drivers behaving badly. This policy protects you against liability from your drivers' actions and covers you if you are not found guilty and someone files a harassment or discrimination charge against you as the employer.
Collision and Comprehensive Coverage: this coverage is the same as in your personal coverage. Collision cover specifically protects you against crashes while comprehensive coverage protects you against anything else – from getting damaged in your parking lot to having your vehicle crushed by a hanging thing during a storm.
Uninsured and Underinsured Coverage:
If you get involved in an accident with the driver who is uninsured and does not have the insurance policy to cover the cost to you, this coverage if you have will make a difference.
Personal Injury Coverage: this personal injury coverage protects you from liability if you or your driver hurt someone while working. In a worst-case scenario, it might cover funeral costs or provide victims with cash for medical expenses, rehab and lost income.
The worst thing is that even if you don’t think yourself as a chauffeur or professional driver, to protect your vehicle, you still need Chauffeur Insurance to protect your vehicle. If you are working as a caretaker, for instance, and you're using your own car to drive your clients' kids from place to place. Many insurance companies consider this for business use and are therefore not covered by your private hire insurance.
The same is true for a caregiver who drives an elderly client to an appointment. Your employer may not be candid about this or simply might not know, but you're the one who will be on the hook if anything should go wrong.