WINE COUNTRY IN YOUR HANDS

Proper Insurance a Crucial Factor. Safety & Liabilities for the customer, and the Vehicle being driven. This page is a further in Depth look of DD service insurance. How it works, our coverage, and why it’s the best in the industry.

Keyword Insurance

Primary Source or Secondary Source – This is with no doubt what sets us apart, Primary insurance. We have means, that ours is first used in paying for damages and injuries. Most DD companies claiming, only have secondary source insurance. That means that after you flip the bill for everything, and run out of money. The driving company’s insurance provider backs the remainder. This really means that secondary really doesn’t provide you with any up front coverage. Is this legal, do companies really do this? Yes and Yes. The annual cost difference to designated driving companies insurance, premium’s for the two types of coverage is approximately 10 times. This is not an option that most companies go for, but in our opinion. Proper primary coverage is essential.

Non-Owned Auto Physical Damage Coverage – Did you know that with most DD insurance policies that the vehicle being driven is NOT insured at all? This type of coverage is not required in a General Liability Policy, it’s an option. And being almost 40% of the entire policy premium, this is another detail that most DD companies don’t pay for. Physical Damage Coverage is certainly part of our policy.

Our insurance type and it’s coverages:
Commercial Non-Owned Auto/Scheduled Driver policy is A Rated in the State of California.
$25,000 Primary Source – Non-Owned Auto Physical Damage (coverage on the vehicle being driven).

Please be advised, there are between 100 – 150 DUI’s in Napa Valley every month. No matter who you choose, we hope you have a Fun & Safe Trip to the World famous Napa Valley.