Another thing you need to think about and the insurance company will want to know is how the employees are using the vehicles. Do they use the company vehicle to go out to lunch? Do they take the company vehicle home at night and bring it back in the morning?
Many companies allow their employees to take the vehicles home at night. The problem with this is that the company vehicle might be the employee’s only form of transportation.
This means that when they need to run to the grocery store or they have to go somewhere it is the company vehicle that they are using. When you allow employees to use a company vehicle and take it home because it is easier to go straight to the job site then come to the office in the morning, you need to ensure that they are not using the vehicles for their personal use.
This is almost impossible unless you have global positioning systems installed in the vans or you are tracking every mile driven in them. This can be difficult, especially if you have many vehicles to keep track of.
It might not seem like such a big deal if your employee needs to go to the grocery store or down the block to the local gas station for a pack of cigarettes. The problem is that if your employee gets into an accident on the weekend while they are not driving and it is not their fault, the commercial van insurance companies will not cover the driver nor will they cover the damages on your vehicles.
If you have high value vehicles then you might want to think about having the employee get their own personal policy on the vehicle also and make them pay for it, if they are self employed.
This way, when they are not in the scope of employment the personal policy will cover damages and injuries if an accident occurs. You also might think about not allowing your employees take the company vehicles home after hours and on the weekends. The employees should not rely on the company for their mode of transportation anyhow.
Commercial van insurance companies will consider many things when they look at your company and give you a rate for all of your fleet vehicles and vans. You need to be sure you have good drivers working for you to ensure the best rates. You also might want to consider the miles being driven.
Not only do the miles being driven on the vehicles affect your rate but it also means depreciation and maintenance costs. You could save on these costs also by trying to minimize them as much as possible. You can also compare van quotes for a better chance of finding cheaper van insurance policies online with a good van insurance broker.
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