Florida Commercial Auto Insurance

Peace of Mind for Businesses On the Road.

Commercial 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.

We offer coverage options that are both flexible and affordable and will work with you on an individual basis to find a policy that best suits your needs. Our dedicated team assures that your business and your properties are protected.

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Get the protection you need and the attention you deserve!

It’s essential to understand what your coverage options are — not just for your commercial auto, but for business, and to others. We’re local, independent insurance agency that provides tailored, personalized insurance coverage at a price that matches your needs.

Why do you need</br> Commercial Auto Insurance?

Why do you need
Commercial Auto Insurance?

Having insurance is a legal requirement that provides financial protection of the cost of a potential loss.
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What does Commercial Auto</br> Insurance cover?

What does Commercial Auto
Insurance cover?

The right level of cover protects in the event of your damage to properties and injuries you and to others.
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How Much Does Commercial</br> Auto  Insurance Cost?

How Much Does Commercial
Auto Insurance Cost?

An insurance premium is based on several factors, including your age, where you live, and what kind covers you buy..
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Why do you need Commercial 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 will be protected from costs of damages, injury, and liability claim that you may incur in an accident.

Here are some specific circumstances that Florida commercial auto insurance would cover:

  • Property Damage caused by your company vehicle in an accident.
  • Others became injury caused by your company vehicle (s) in an accident.
  • If theft or vandalism of your vehicle(s).
  • You and your employees become injured in an accident and need medical assistance.
  • Your car is involved in an auto accident caused by another driver who does not have adequate/any insurance coverage.

What does Commercial Auto Insurance cover?

Commercial Auto Insurance can only help pay to repair physical damage to the vehicle, but if damaged by theft, weather, events, or collisions. It can also pay for lawsuit costs associated with accidents, such as medical expenses and legal fees.
To prevent losing your hard-earned revenue due to an auto accident, you’ll want to ensure that your vehicles, products, and drivers are insured in the event of property or vehicle damage, bodily injury, legal costs, and more. We’ll work with you one-on-one to create a customized policy.

Typical Florida Commercial Auto Policy Components.

Collision Damages

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

Property Damage Liability

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

Bodily Injury Liability

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

Comprehensive Damages

This overage pays for damage to or replacement of your car from theft, vandalism, flood, fire, and other perils. Collision Damages.

Uninsured Motorist

This coverage pays cover costs when another driver lacks adequate coverage to pay the medical costs of an accident.

Personal Injury Protection

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

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

  •  Medical Payments
  •  24-Hour Road Service
  • Gargo Insurance
  • Roadside Assistance for some Vhecles
  • Bailee Coverage
  • Specialty Commercial Auto Insurance

A commercial auto policy also can include coverage for cars you borrow or rent, as well as coverage for employees who use their cars for your business..

How Much Does Commercial Auto Insurance Cost?

Insurance costs vary widely based on individual rating factors, and every single insurance quote will generate a different premium. We compared premiums from some of Forida’s most popular insurers.

Coverages You Choose

Your insurance choices and coverage amounts have a significant impact on how much you’ll pay.

Cargo Type

If you’re hauling cargo, premiums will be much lower if you’re hauling hay compared to hauling a hazardous material like fuel.

Distance/Radius of Travel

Long distance, especially when crossing state lines, will add to the cost.

The number of Driving Employees and Vehicles

More vehicles and employees are driving will mean higher risk exposure, more coverage needs, and higher premiums.

Value of Vehicles

The premium for physical damage coverage is often a percentage of the vehicle’s value.

Type of Vehicle

Generally, more significant, heavier vehicles will need more coverage.

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.

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