Insuring an armored car requires specialized armored vehicle insurance because insurers often classify them as high-risk. Alpine Armoring recommends clients to seek insurance for bulletproof cars through an insurance company that understands the risks and exposures of armored vehicles. This ensures your investment receives appropriate protection through an armored vehicle insurance coverage tailored to your security needs. Compare quotes from multiple providers, disclose armoring levels transparently, and clarify whether coverage is personal or commercial.
Insurance coverage types for armored vehicles include:
1. General Liability Insurance – Covering third-party injury and property damage
2. Commercial Auto Insurance – Similar to the above, tailored explicitly to commercial vehicles
3. Commercial Property Insurance – Covering storage facilities and garages in case of damage to the parked armored vehicle
4. Workers' Compensation – Providing medical care for injured employees during armored transport operations.
When you’re looking to get armored car insurance, it’s essential to give your insurance company detailed information about the vehicle’s worth. This means you should include not just the basic price of the car but also the cost of all additional features. Clarity helps ensure you have enough insurance coverage in case of damage, theft, or any other risk.
Armored cars are designed for protection, which makes the insurance premiums higher than for regular vehicles due to considerable costs, including:
Advanced communication systems
Theft protection (GPS, surveillance, anti-theft alarms)
Stronger suspensions
The armored vehicle business insurance market requires commercial armored fleet insurance for companies transporting valuables, as insurers mandate coverage for valuable loads and legal compliance liability. Private owners face higher premiums and liability risks, so they need persistence when searching for armored vehicle insurance providers. When renting an armored vehicle (SUVs or sedans) from Alpine Armoring for business or personal use, the insurance coverage is often at least $300,000 for the entire vehicle value during the rental period, provided by a carrier licensed in the operating jurisdiction.