Pilot Car Insurance Guide (2020)
Proper insurance is essential for professional escort operations. Here's what you need.
Required Coverage Types
Commercial Auto Liability
- Minimum: $1,000,000 CSL
- Covers: Damages your vehicle causes
- Cost: $3,000-$8,000/year
General Liability
- Minimum: $1M per occurrence / $2M aggregate
- Covers: Non-vehicle incidents
- Cost: $1,000-$3,000/year
Professional Liability (E&O)
- Coverage: Errors in service
- Important for: Route surveys, height poles
- Cost: $500-$1,500/year
Coverage Considerations
What's Covered
- Traffic accidents
- Property damage
- Personal injury
- Professional errors
What's NOT Covered
- Personal vehicle use
- Intentional acts
- Uncertified operations
- Excluded activities
2020 Insurance Market
Current conditions:
- Rate trends
- New coverage options
- Carrier availability
- Industry-specific policies
Tips for Better Rates
- Maintain clean driving record
- Complete safety training
- Bundle policies
- Increase deductibles carefully
- Shop multiple carriers
Documentation
Always carry:
- Certificate of Insurance (Acord 25)
- Policy declarations page
- Company contact information
Questions about coverage requirements? Contact AUMOR for guidance.
OSOW keeps this guidance public so operators can review route, permit, and escort considerations before dispatch starts.
For live account workflows and protected execution tools, continue to app.osow.com while public reference content remains on osow.com.