Peace of mind for you and your employees the road.
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.
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.
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:
At WE Insure, we offer free, comparative auto, home, and business quotes from multiple insurance carriers to get you the best possible assurance rate.
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.
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
This overage pays you for bodily injury from an accident for which you are not at fault including underinsured motorist.
This coverage pays you for the damage to your vehicles in the event you cause an accident by you or someone.
Additional coverage types may be available depending on the insurance company that you chose.
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.
— Your age, your gender, your marital status, and education will affect your insurance rates in different ways.
— Your driving record and loss history plays a substantial role in the rates.
— Your daily driving routine and what purposes you use of your car.
— Generally, more significant, heavier vehicles will need more coverage.
— Monitors alarm systems, smoke detectors, fire extinguishers, can lower the premium.
— The premium for physical damage coverage is often a percentage of the vehicle’s value.
— Yours and your company’s history claims. It'll increase the premium.
— The better your credit, the more favorable your rates will usually it'll be.
— If you’re hauling cargo, premiums will be much lower if you’re hauling hay compared to pulling a hazardous material like fuel.
— Long distance, especially when crossing state lines, It'll increase the premium.
— Your insurance and coverage amounts choices and deductibles, have a significant impact on how much you'll pay.
WHY CHOOSE WE INSURE?