The IDA provides commercial auto insurance, compliance, and business formation services to Independent Route Delivery Drivers, offering fast, same-day service and consistently delivering 20-30% in annual insurance savings to Independent Operators nationwide.
IDA services and programs are amazing. I recommend them for great coverage and phenomenal savings. The coverage was more than I was expecting, and it cost less!
Commercial auto insurance policies offer physical and liability coverage for a broad range of situations and dollar amounts not covered by personal auto policies.
This stuff can be very tricky, so it’s important that you find somebody who you can rely on to keep you protected and making money at all times.
You may have heard this coverage referred to as Commercial Auto Insurance, Commercial Car Insurance, Truck Insurance, or Fleet Insurance.
It’s so nice to work with a company that caters to the independent distributor. IDA customer service is awesome and everyone is helpful and attentive. With the amount of coverage we now have – plus the amount we’re going to save – it’s great!
Personal auto policies are not designed to accommodate the same scope of risk as a business, and so certain vehicle types may be excluded, and policies are written and rated differently.
More importantly, if you are a business owner or manager, your company will often need specific policies and coverage found only in commercial auto insurance.
Determining whether your truck requires commercial or personal coverage can be confusing.
If a vehicle is used to complete tasks related to the operator’s occupation, profession, or business (other than commuting), commercial policies are necessary.
Tasks of this nature may include:
If the operator is using the vehicle to transport goods or people for a fee, or to conduct a service;
If you require higher limits of liability due to the nature of your work;
Hauling considerable weight in tools or equipment, or towing a trailer used to conduct business; or
If employees operate the vehicle, or if ownership is in the name of a corporation or partnership.
IDA meets all of our needs as IBOs. They have a plan in place to help you. Setting us up can be a lot of legwork, but they have all their ducks in a row.
Commercial auto insurance, like a personal auto policy, provides similar coverage including liability, collision, comprehensive medical payments (or personal injury protection), and uninsured motorist coverage.
However, there are also differences between a commercial auto insurance policy and your personal auto policy that may include eligibility, definitions, exclusions, and limits.
It’s so nice to work with a company that caters to the independent distributor. IDA customer service is awesome and everyone is helpful and attentive. With the amount of coverage we now have – plus the amount we’re going to save – it’s great!
When buying a new route and all that comes with it, IDA makes it easier for me to manage expenses and know what is going to happen. I wouldn’t go anywhere else.
Now I have everything my Brand requires plus additional features that give more protection and I still saved about 30% more from what my previous carrier charged. The IDA is my choice.