Commercial Auto


Business Auto Insurance

Business vehicle insurance provided physical damage, liability coverages for usage, and situations not covered by a personal auto policy that can put your business investments at risk. As a business owner, you may have one or more vehicles, such as trucks, delivery vehicles, taxis, limos, or buses. We can help you find the best Business Auto insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and competitive pricing.

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It’s essential to understand what your coverage options are — not just for your Commercial Auto, but for you, and to others.

Learn more about Commercial Auto Insurance Coverage Understanding the different types of coverages can help you find the right Commercail Auto insurance policy for your needs and budget.

Why do you need Business Auto Insurance?

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What does Business Auto Insurance Cover?
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How Much does Commercial Auto Insurance Cost?

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Why do you need Business Auto Insurance?

Your vehicle, you, and your business are protected from costs of damages, injury, and liability claims that you may incur in an accident.  It’ll protect from various incidents, including anything from a break-in to a multi-car accident, depending on the exact coverages they have. Like most states in Florida, all vehicles on public roads must maintain at least the state’s minimum auto coverage levels. If fail to do may not be able to register their vehicle, and they might face legal consequences if they pulled over or in an accident.

Here are some specific benefits of personal vehicle insurance:

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What does Business Auto Insurance Cover?

Florida car insurance laws are notably different from many other states, is also known as the Florida No-Fault Law. Meaning that a driver involved in an accident would collect medical, disability, and further compensation from their own insurance company, regardless of whether they caused the crash.

Two important Florida car insurance laws to be aware of are the Financial Responsibility Law and the No-Fault Law:

Commercial Auto insurance policies include liability coverages, vehicle coverages, coverages for yourself, and other optional coverages.

A few coverages that are available through most policies as either required or optional protections and includes:

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Liability Coverages
Bodily Injury Liability

Pays damages for bodily injury or death resulting from an accident for which you are at fault.

Property Damage Liability

Pays for damages to other people’s property resulting in an accident you are at fault.

Medical Coverages
Personal Injury Protection
Pays the insured for bodily injury or death resulting from an accident regardless who at fault.
Medical Payments
Pays the insured for medical expenses related to a car accident.
Vehicle Coverages
Collision Damages

Pays the insure for the damage to his vehicles in an accident by another vehicle or other object.

Advised Choice
Comprehensive Damages

Pays the insure for damage to his vehicles from theft, vandalism, flood, fire, or other covered losses.

Advised Choice
Uninsured Coverages
Underinsured and Uninsured Motorist

Pays for your injuries or property damage accidents caused by another driver lacks adequate insurance.

Advised Choice
Additional Auto Insurance Coverages
Along with these common coverages, some insurance companies also offer:
  • Emergency Road Service
  • Rental Reimbursement
  • Towing

How Much does Commercial Auto Insurance Cost?

Auto Insurance vary widely based on individual rating factors, and every single insurance quote will generate a different premium. Bellow, you can find some of the things that commonly influence an Auto insurance rates.

Your Driving Habits — Your daily driving routine and what purposes you use of your car.
Type of Vehicles — Generally, more significant, heavier vehicles will need more coverage.
Value of Vehicles — Monitors alarm systems, smoke detectors, fire extinguishers, can lower the premium.
Protective Devices — The premium for physical damage coverage is often a percentage of the vehicle’s value.
Cargo type — If you’re hauling cargo, premiums will be much lower if you’re hauling hay compared to pulling a hazardous material like fuel.
Travel Distance — Long distance, especially when crossing state lines, It’ll increase the premium.
What kind of car you drive — The price, style and age of your vehicle all contribute to how much car insurance costs will be.
Your Credit History — The better your credit, the more favorable your rates will usually be.
Driving History — Your driving record and loss history plays a substantial role in the rates.
Coverages You Choose — Your insurance choices and coverage amounts, deductibles have a significant impact on how much you’ll pay.
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