by Cindy Chase
A roaring fire and a carpet of Colorado fresh snow viewed from my window reminds me of why I enjoy Colorado winter days. But, as an insurance broker who services many business clients with commercial insurance, I know these kinds of days can mean the opposite for anyone driving a commercial vehicle, especially a truck. We all know how quickly winter storms can make Colorado roads and highways treacherous.
I thought I would share a few tips to help protect against harm to you or your truck this winter season.
1. Build a Winter Survival Kit for Yourself
Make sure your truck is stocked with everything you might need in case you get stuck in a brutal Colorado winter storm. Key items to include: a shovel, battery booster cables, ice scraper/snow brush, flashlight with extra batteries, and a blanket to help prevent heat loss from a person’s body. Other items to consider are extra gloves, energy bars or other non-perishable food, bottled water and spare fully-charged cell phone batteries.
2. Get Your Truck Ready for Winter
Equip your truck with new winter windshield wiper blades as well as winterized washer fluid and fuel. Also make sure your tires, headlights, cooling system and battery are in good shape.
3. Keep an Eye on the Temperature
A helpful tip I learned years ago was to touch the front of your outside mirror to see if ice is forming. If it’s forming on your mirrors, it’s forming on the road too. Be especially cautious when crossing bridges and overpasses where ice often forms first.
Commercial Insurance: Be Ready for the Unexpected of Colorado Winters
No matter how prepared you are, you still need a safety net on the road. Check your insurance policy to make sure it includes the right coverage to meet the unique needs of you and your business. Here are 3 examples of specialized commercial insurance that you should consider:
Cargo Coverage to protect against damage or loss due to theft, fire, collision and hitting or running over cargo.
Roadside Assistance that provides 24/7 towing, battery jump-starts, tire changes, emergency fuel delivery, locksmith service and on-scene labor.
Rental Reimbursement to pay for a replacement vehicle following a covered claim.
As always, our mission is to protect you before you need it. So make sure you and your vehicle are safe and covered, even during the coldest and most treacherous winter months.
And if you would like us to review your current commercial auto insurance policy, please call us at 303-777-2991 or send us an e-mail today.