Peace of mind for you and your employees the road.

Florida

Auto Insurance


Business vehicle insurance is a policy of physical damage and liability coverages for amounts, situations, and usage not covered by a personal auto policy. As a business owner, you may have one or more vehicles, such as delivery vehicles, taxis, limos, or buses. The right commercial auto insurance covers you for accidents, injuries, and other incidents that can put those investments at risk. We can provide a business auto insurance policy to meet your needs from trips across the country to local deliveries.


Our dedicated team will work with you on an individual basis to find a policy that best suits your needs, for you, your business, and properties are assured.

LET US KNOW

Tell us about your insurance needs.

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


Learn more about Commercial Auto Insurance Coverage

Florida Insurance Requirements

Understanding the different types of coverages can help you find the right Business Auto insurance policy for your needs and budget.

It's Your Financial Protection.

Understand Florida policy coverages.

Find out what will impact the insurance price.

Why do you need Business Auto Insurance?


Not only is your commercial vehicle insurance is critical for protecting your business financially, but also it is required by law.

Your vehicle, you, and your business are protected from costs of damages, injury, and liability claims that you may incur in an accident.Here are some specific circumstances that personal car insurance would cover:

Here are some specific circumstances that Business Auto insurance would cover:

Others became injury caused by your company vehicle (s) in an accident.

You and your employees become injured in an accident and need medical assistance.

Theft or vandalism of your vehicle.

Your family become injured in an auto accident and need medical assistance.

If Your vehicle(s) is involved in an auto accident caused by another driver who does not have adequate or any insurance coverage.

At WE Insure, we offer free, comparative auto, home, and business quotes from multiple insurance carriers to get you the best possible assurance rate.

Want to see how much we can save you? Just request a quote to find out.

What does Business Auto Insurance Cover?


Florida auto insurance laws are notably different from many other states, also known as the Florida No-Fault Law. Meaning that a driver who is involved in an accident would collect medical, disability, and other compensation from their own insurance company, regardless of whether or not they caused the crash.

It's requires all drivers of vehicles with at least four wheels to purchase and carry an auto insurance policy with at list two types of coverage.

Personal Injury Protection (PIP)

Property Damage Liability (PDL)

Each those type of coverage must have a minimum of $10,000 coverage amount.

Typical Florida Auto Policy Components.

Bodily Injury Liability

This overage pays to others for bodily injury or death resulting from an accident for which you are at fault.

Property Damage Liability

This coverage provides you with protection if your car accidentally damages another persons property

Personal Injury Protection

This overage pays you for bodily injury or death resulting from an accident regardless who at fault.

Uninsured Motorist

This overage pays you for bodily injury from an accident for which you are not at fault including underinsured motorist.

Collision Damages

This coverage pays you for the damage to your vehicles in the event you cause an accident by you or someone.

Comprehensive Damages

This overage pays for damage to your car from cover perils such as theft, vandalism, flood and others.

Additional coverage types may be available depending on the insurance company that you chose.

Medical Payments

This coverage pays for the treatment of injuries to the driver and passengers of the policyholder's car.

Any Auto coverage

Hired Autos coverage

Non-owned Auto coverage

24-Hours Assistance

Cargo Insurance

Roadside Assistance (Most Vehicles)

What does Business Auto Insurance Cover?


Business 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 a Business Auto insurance rates.

Base Demographic

— Your age, your gender, your marital status, and education will affect your insurance rates in different ways.

Driving History

— Your driving record and loss history plays a substantial role in the rates.

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.

Claims History

— Yours and your company’s history claims. It'll increase the premium.

Credit History

— The better your credit, the more favorable your rates will usually it'll be.

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.

Distance, your travel radius

— Long distance, especially when crossing state lines, It'll increase the premium.

Coverages You choose

— Your insurance and coverage amounts choices and deductibles, have a significant impact on how much you'll pay.

WHY CHOOSE WE INSURE?

CHOICE

Top-rated insurance companies in Florida.

EXPERIENCE

We specialize personal and commercial lines.

SUPPORT

We’ll be there for you whenever you need us.

Have any questions?

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