Wind turbine blades, oilfield equipment, modular buildings, and other oversize loads travel through North Central Oklahoma all the time, and many of them can’t move without a pilot car leading or following the way. Because escort operators work in traffic beside large loads and under contract with carriers, their insurance needs look different from a typical driver’s.

Before the Run

Most escort work starts with paperwork. Carriers and brokers commonly ask pilot car operators for certificates of insurance before a job, and some want to be named as additional insureds. Requirements for escort vehicles and operator certification vary from state to state, so operators who cross into Kansas, Texas, and beyond should check the rules for every state on the route.

A personal auto policy generally won’t cover a vehicle used as a paid escort, so a commercial auto policy is usually the foundation.

On the Road

Commercial auto liability helps if the escort vehicle is involved in a crash that injures someone or damages property.

General liability can address claims that arise from the escort operation itself, such as directing traffic around a load.

Professional liability may matter for operators who perform route surveys or run height poles. If a load strikes a bridge or power line, questions may arise about whether the escort gave proper warning.

Equipment coverage can protect signs, light bars, radios, and height poles that are expensive to replace.

Growing Into a Fleet

Operators who hire drivers or run multiple vehicles should review workers’ compensation, hired and non-owned auto coverage, and how each driver is listed on the policy.

Questions to Ask Before Your Next Job

• Does my policy cover the vehicle for escort work in every state I’ll travel?
• Do I need professional liability for height pole or route survey work?

Cherokee Strip Insurance Agency in Ponca City, OK works with pilot car operators and other specialty businesses across Oklahoma and Kansas. Policy terms vary. Escort operators in Ponca City, OK and beyond can learn more about our business insurance options or reach out to Cherokee Strip Insurance Agency anytime.