Pilot Car

Pilot Car Insurance is a Must

Dec 17, 2019

Pilot car and escort vehicle operators perform work that is not without risk to the P/E vehicle operator, the motoring public, and to infrastructure such as bridges. While some states require that P/EVO’s carry insurance there are other even more compelling reasons for P/EVOs to be covered. Damage to bridges or harm caused to other motorists can easily result in claims in the hundreds of thousands and even millions of dollars. Without proper insurance, a P/EVO involved incident puts the operator and his or her company at the risk of financial ruin.

Many P/EVO’s who have realized the importance of insurance have had the unfortunate experience of being sold insurance that is not adequate to cover activities performed as a P/EVO. The problem is that many insurance carriers simply do not understand what a P/EVO is and the nature of the work performed. One insurance provider told me that an insurance company he is aware of wrote a policy for a pilot car operator under the mistaken impression that the P/EVO was a private taxi service for airline pilots.

If you go to one of the big national insurance companies, you need to be aware that your policy may not cover you to the degree you expect. Some policies only cover damage to your pilot car and not to any other party. Imagine a bridge strike that causes $200,000 in damage. Your policy might replace your high pole and any damage to your bumper but leave you exposed to the six figure damages to the bridge.

It is important that when you look for pilot car insurance that you contact an agent that specializes in these kinds of policies. There are only a few in the United States, but with a reputable agency that focuses on pilot cars, you are more likely to have coverage to protect you if the unthinkable occurs. You should make sure that the agent knows what you do as a P/EVO and you as the insured need to understand the exact coverage and limitations of the policy.

Insurance providers are increasingly becoming aware of the risk reduction potential to those P/EVO’s who complete a formal training program. Some providers will even offer the P/EVO a discount for successful completion of training. Evergreen Safety Council’s Pilot/Escort Vehicle Operator training is one program that is widely regarded as one of the best, if not THE best P/EVO training available in the U.S.

Provided below are known P/EVO insurance providers that you might want to consider when shopping for P/EVO insurance. Evergreen Safety Council does not endorse any particular insurance agency or insurance product. This information is provided to assist you in doing your research. If you find any other providers of P/EVO insurance that you believe should be represented here, please let us know.


Known P/EVO Insurance Providers:

Charles James Cayias Insurance, Inc., Salt Lake City, UT

V.R. Williams & Company, Winchester, TN

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