Commercial Golf Cart Insurance
Need commercial golf cart insurance? If you are operating a golf cart taxi or Pedi-cab for hire in Scottsdale, you must ensure you have the correct commercial golf cart insurance policy. Also, you need to know the average golf cart insurance cost in Scottsdale, Arizona. It is very popular in Old Town to have a golf cart taxi take you from the bar or nightclub to your car. Some services will even take you home if you are near the bar. The City of Scottsdale requires all golf cart taxis that operate in Old Town to have a commercial golf cart insurance policy. This will help you determine the average cost of golf cart insurance. Also, finding a golf cart insurance provider that meets these requirements is important.
What type of golf cart taxi insurance do I need?
First, you need at least a $250,000 combined single-limit commercial golf cart insurance policy. First, golf cart theft insurance is essential for your business. Depending on the year, make, and model, it might be a good idea to purchase comprehensive and collision insurance for your golf cart taxi. Scottsdale, AZ has become really strict on golf carts having Arizona golf cart taxi insurance on them. Also, you will need to have $250,000 underinsured and underinsured motorist coverage on the golf carts. Scottsdale has a great FAQ on a golf cart and pedicab requirements. Yuma is also a premier golf cart operation that utilizes these requirements. Next, golf cart liability insurance is important to protect your business in the event a customer is injured in an accident and you are found at fault. For example, guest passenger liability can be covered by your auto liability coverage. Also, bodily injury liability can cover the passengers in an accident.
How much does an Arizona golf cart taxi policy cost?
Several factors go into pricing a policy for commercial golf cart insurance. First, the driver’s motor vehicle record will be analyzed to ensure they are safe. Next, golf cart insurance cost can be expensive if you have little experience in the business. Usually, insurance carriers will tolerate no more than two accidents or traffic tickets that are at fault. Another thing insurance companies will look at will be the years of experience you have in this field. This will play a big part in getting a commercial golf cart insurance policy. Next, if you have been in business, they will ask for your previous loss history. Auto insurance is essential for you and your customers in a golf cart accident. Also, liability insurance can help protect your business from lawsuits.
Next, a low-speed vehicle can be a target for many accidents. This will help determine what type of operator and/or manager of the business you are. Lastly, several large claims have happened in the past in Old Town. As a result, commercial insurance carriers only want the best of the best for the companies they insure. Your business will be less desirable if you are traveling long distances from the Old Town area. Also, the City of Scottsdale has other laws that pertain to golf carts and Pedi cabs being on the streets. Check with Scottsdale to determine if your proposed business model fits their current regulations.
Finally, this is a great business and service to the Scottsdale and Old Town entertainment district. If you purchase the correct commercial golf cart insurance policy, your business will be covered, and your customers will be more trusting.
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