Blog Archives

Commercial Truck Insurance

3/27/2015

With more than 40 years of experience, you can trust Progressive to meet your commercial truck insurance needs. We are the #1 truck insurer in America, the nation’s third-largest commercial vehicle insurance company, and we have an A+ rating from A.M. Best. We offer customized insurance policies, flexible payment options, 24/7 claims service and discounts for qualified drivers in all states.

Commercial Trucks We Insure
Whether you're looking for owner operator insurance, motor carrier insurance, or private carrier insurance, Progressive provides commercial truck insurance for trucks and trailers of all sizes including:

Box trucks
Semi trucks
Flatbed trucks
Front loaders
Garbage trucks
Pickup trucks
Tank trucks
Tractors
Dump trucks
Auto hauler trailers
Flatbed trailers
And many more…

Contact Calfee Insurance Agency. Authorized Progressive Agency located on Cape Cod.

Click HERE For a FREE Commercial Truck Insurance Quote

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Truck Insurance Filings
Progressive offers complete commercial truck insurance state and federal filings assistance. An insurance filing is a guarantee to the government that you have sufficient truck insurance protection for your vehicle. Once authority has been filed, we can take care of the rest.
Learn more about commercial truck insurance filings.

Truck Insurance Discounts
To show appreciation for our commercial truck insurance customers, Progressive offers customized discounts designed specifically for your policy. Qualifying for just one commercial truck insurance discount could save you up to 5 percent on your insurance quote.
Learn more about commercial truck insurance discounts.

Commercial Truck Insurance Claims
Call us day or night at 1-800-274-4499 to report a claim or to get additional information on a truck insurance claim that you’ve already filed. Our commercial truck insurance claims professionals will start working to get you back on the road.
Learn more about commercial truck insurance claims.

Commercial Truck Insurance Quotes
Get a quote online or call us at 1-888-806-9598 to speak with one of our licensed insurance representatives. Get the help you need and learn more about the benefits and features our customers enjoy including:

Flexible Payment Options – Whether you pay online, by phone, or by mail, we offer multiple payment options. We accept checks, debit cards, credit cards, and more. You can choose to pay monthly with a low down payment or pay your policy in full.
Customized Discounts – Depending on your business type, you may qualify for discounts for having a CDL, being an experienced business owner, or for having a General Liability or Business Owner’s Policy with another insurance company.
Superior Claims Service – Our claims service is designed to help you get back on the road fast. You can report a truck insurance claim anytime. Our staff of in-house claims representatives will give you personalized service from the beginning to the end of your truck insurance claim.

Contact Calfee Insurance Agency. Authorized Progressive Agency located on Cape Cod.

Click HERE For a FREE Commercial Truck Insurance Quote

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Progressive Heavy Truck Insurance

3/27/2015

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Contact Calfee Insurance Agency. Authorized Progressive Agency located on Cape Cod.

Click HERE For a FREE Commercial Truck Insurance Quote

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How To Save on Commercial Auto Insurance In The Off Season

3/27/2015

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Calfee Insurance Agency | Authorized Progressive Agent | Falmouth, MA

Ever mowed a lawn in January? Or plowed a snowy driveway on a hot July day? If you own and operate a seasonal business, chances are you aren't working in the off-season, so the insurance you carry should be different than what you carry in-season.

Leading commercial auto insurers like Progressive offer seasonal insurance for businesses like landscapers, snowplow drivers, ice cream truck owners, and more. These coverages allow you to customize your commercial auto insurance based on when your business is running on all cylinders — and when it's not.

Progressive offers these tips for getting the most out of your policy in the off-season:

If your vehicle will be parked during the off-season, you may think you should cancel that vehicle's insurance during that time. But if you’d like to protect your vehicle and still save a little money, just switch your insurance to a Comprehensive-only policy. This will give you basic protection against incidents like vandalism, theft, falling tree branches and hail.

A Comprehensive-only policy also gives you the bonus of having continuous insurance coverage. If you drop your insurance completely, you may pay significantly more to get a new policy when in-season rolls around because most insurance companies want to see proof of continuous coverage.

If you plan to drive your work truck or other vehicles for personal use during the off-season, let your insurance carrier know. They can adjust your policy to reflect personal use, which can be less expensive while still providing coverage.

Claims handling capability is the most important feature we sell our commercial customers. Progressive consistently proves superior at settling commercial claims quickly.

Contact Calfee Insurance Agency. Authorized Progressive Agency located on Cape Cod.

Click HERE For a FREE Commercial Insurance Quote

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Seven Tips From Progressive To Keep Truckers Safe And Protected During The Winter Season

3/27/2015

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Calfee Insurance Agency | Authorized Progressive Agent | Falmouth, MA

A carpet of fresh snow can be heartwarming when viewed from indoors in front of a roaring fireplace. But for a trucker, that beautiful landscape can mean treacherous roadways.

To prepare for brutal winter weather, here are a few tips from Bill Kampf, Progressive Commercial Auto general manager, to help protect against harm to you or your truck this season:

1. Pull together a winter survival kit for yourself… – Make sure your truck is fully stocked with everything you might need so a stall-out or breakdown doesn’t leave you stranded. Key items to include: a shovel, battery booster cables, ice scraper/snow brush, flashlight with extra batteries, and a space blanket to help prevent heat loss from a person’s body. Additional items might include extra pairs of dry socks and gloves, energy bars or other non-perishable food, bottled water and spare fully-charged cell phone batteries.

2. …AND your truck – Before the cold weather hits, equip your truck with new winter windshield wiper blades as well as winterized washer fluid and fuel. Also make sure that your tires, headlights, cooling system and battery are all in good shape. With all of these precautions, both you and your vehicle will be ready for any snow, hail, black ice or below freezing temperature that you might face out on the open road.

3. Slow down – Give yourself more time to react if something occurs in the road ahead. Compensate for poor traction by driving slower and making all changes slowly and gently.

4. Give yourself extra space in front and behind - To stay out of harm's way in a sudden emergency, increase the distance between you and other vehicles and avoid driving in packs. Normal following distances should be increased to 8-10 seconds when driving on icy, slippery surfaces.

Look further ahead in traffic than normal to get a split-second extra to react safely. Awareness of other drivers can go a long way this time of year.

5. Keep an eye on the temperature – Be alert to potentially dangerous road conditions. 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.

6. Check your favorite station - Listen to the weather forecast before you leave town. If travel seems hazardous, postpone your run.

7. Be ready for the unexpected – No matter how cautious you are, you still need a safety net on the road. Specialized insurance coverages and services designed specifically for truck owners and operators are offered by commercial insurers like Progressive.

Check with your insurance company to see what they offer. Make sure your policy has tailored solutions that meet the unique needs of you and your business, including:

Cargo Coverage to protect against damage or loss due to theft, fire, collision and hitting or running over cargo. Progressive’s Cargo Coverage includes no co-insurance penalty, no exclusion of coverage if a vehicle is left unattended, and no reduction in coverage limits for items such as electronic equipment.

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.

Bottom line: make sure you and your vehicle are safe and covered, even during the coldest and most treacherous winter months.

Contact Calfee Insurance Agency. Authorized Progressive Agency located on Cape Cod.

Click HERE For a FREE Commercial Truck Insurance Quote

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Times Are Tough, But Don’t Scrimp On Your Tow Insurance Coverage

3/27/2015

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Calfee Insurance Agency | Authorized Progressive Agent | Falmouth, MA

In this economy, every business is looking for ways to save money. But cutting back on certain expenses now could mean heftier bills later.
Follow these tips so your tow business can save money and be protected from the unexpected:

Make sure you have the right amount of coverage. Even if business finances are tight, don’t lower your liability coverage. Not only could you put your business assets at risk in the event of an accident, it could also jeopardize contracts that require you to carry specific limits.

Instead, make sure your physical damage coverage, which protects your vehicles in the event of a loss like a collision, theft or fire, accurately represents the value of your trucks. Most insurers do not automatically depreciate vehicles, so take a look at your policy to make sure you’re not overstating their current worth. You could save money by adjusting your limits.

Think before canceling your coverage altogether. Going without minimum liability insurance is illegal in most states, and should only be an option if you are temporarily putting your vehicles out of service. Additionally, keep in mind that if you drop your insurance now, you’ll pay more to get a new policy later because most insurance companies want to see proof of continuous coverage. Consider moving to a Comprehensive-only policy during temporary downtime to retain proof of continuous coverage and protect your trucks even when they’re not in use.

Protect yourself from uninsured and underinsured drivers. You might not be the only one who’s looking to save a little dough – other drivers could cut costs by canceling their policy or reducing their coverage. And if one of those drivers hits your truck, you could be left paying for the damages. Uninsured and Underinsured Motorist coverage can protect you.

Keeping an eye on your insurance coverages can protect your business and save you money. Let us help. We can quote competitive tow rates and important tow coverages on the spot with Progressive. Call us today.
Contact Calfee Insurance Agency. Authorized Progressive Agency located on Cape Cod.

Click HERE For a FREE Tow Insurance Quote

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Get The Right Insurance For Your Trucks—And Save Money, Too

3/27/2015

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Calfee Insurance Agency | Authorized Progressive Agent | Falmouth, MA

Five things you should consider before your next renewal:
By Andy Fulford, product manager, Progressive

Your vehicle insurance could be as much as 40 percent of your total operating budget. A Regular policy review is essential in making sure you have the right insurance for your truck—and your business. Plus, you could save big buck if you qualify for additional discounts.

To get started, ask yourself these five questions—then give your local agent a call.

Are all of my employees covered when they drive my trucks, even if they’re not listed on my policy?
You should always list employees who regularly drive your vehicles. Ask your insurance company if it covers temporary drivers as long as they have your permission to operate the vehicle.

Some insurance companies will only cover drivers who are named on the policy. So, if you regularly employ temporary workers, you need to call your insurer and add them to the policy every time they drive to ensure they’ll be covered in an accident.

Permissive use policies don’t require you to add temporary workers.

Will my policy pay to repair my employees’ personal vehicles if they get into an accident while running a business errand?
If you often send employees on business errands in their personal cars or trucks, or, if you use rental vehicles, consider adding optional coverages to your policy to protect those vehicles. In many cases, a standard commercial auto insurance policy won’t cover damages in case of an accident. Your agent or insurance company can walk you through all of your options.

Should I maintain my policy during the off-season if I’m not using my truck?
When the season’s over, consider switching to Comprehensive-only coverage instead of canceling your policy altogether. This coverage protects your vehicles against incidents like vandalism or hail that can happen when they’re sitting for long periods during the off-season.

If you do decide to cancel your Liability insurance, check with the Department of Motor Vehicles first. There may be some additional steps you need to take to comply with the insurance laws in your state.

How quickly does my insurance company resolve claims?
Find out how long, on average, it takes your insurer to resolve claims. The faster they take care of your claim, the faster you can get back to work.

Also, ask if your insurance will cover a rental vehicle or provide downtime payments.

That way, if your truck’s out of commission, your business will stay profitable.

What can I do to control my insurance expenses?
Discounts can make a big difference, especially with commercial insurance. Progressive offers several, like an experienced business owner discount and a discount if you have a General Liability or Business Owner’s Policy. Other ways that you can save include increasing your deductibles and paying your premium in full.

Andy Fulford is a product manager for Progressive. Progressive, in business since 1937, offers products and services that simplify buying and using auto insurance and is the #1 truck insurer in the U.S.

Contact Calfee Insurance Agency. Authorized Progressive Agency located on Cape Cod.
Calfee Insurance
508-540-2601
336 Gifford St.
Falmouth, MA

Click HERE For a FREE Truck Insurance Quote

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Flood Safety Awareness Week

3/27/2015

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Calfee Insurance Agency | Authorized Progressive Agent | Falmouth, MA

Flooding is the nation’s number 1 natural disaster, Federal, State, and local organizations use this time of heightened awareness to draw attention to flood safety and preparedness activities.

Key Facts about Flooding and Flood Insurance

·       Flooding can happen anywhere at any time.

·       In the past 5 years, all 50 states have experienced floods or flash floods.

·       There is at least a 1 in 4 chance that a home in a high-risk area will experience a flood during the course of a 30-year mortgage.

·       Most homeowner insurance policies do not cover damage due to flooding.

·       Changes such as new land development can increase flood risk, especially if the construction alters natural runoff paths. Everyone is at risk.

·       More than 20 percent of all NFIP claims occur in moderate- to low-risk areas.

·       There typically is a 30-day waiting period before a flood insurance policy will go into effect.

Contact Calfee Insurance Agency. Authorized Progressive Agency located on Cape Cod.
Calfee Insurance
508-540-2601
336 Gifford St.
Falmouth, MA

Source: floodsmart.gov

Click HERE For a FREE Flood Insurance Quote

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