California Hearse Insurance
Having a hearse as part of your business can be a great investment. If you have a funeral home, it’s a good idea to provide funeral vehicle service so your clients don’t have to go elsewhere. Or you might have an entertainment company and offer a hearse for events or special rides. No matter how you utilize the vehicle, you should also carry proper Hearse Insurance to protect your assets.
Do you need California Hearse Insurance?
Like any commercial automobile, your hearse requires coverage. You need to have Liability Insurance as required by law. It will pay for other people’s Bodily Injury and Property Damage if your hearse is at fault.
Another important coverage is Physical Damage. While you’re not obliged to carry it, why take the risk. It includes collision insurance and comprehensive insurance. The former will protect you in case of a crash, while the latter covers you when your hearse is damaged.
It’s also a good idea to have Med Pay on your hearse. No matter who is at fault, it will cover medical bills for your driver and the passengers of your hearse.There is additional coverage you can add to your hearse insurance to fill any gaps.