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Commercial Auto

Peace of Mind for Businesses On the Road.

Florida Commercial Auto Insurance


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 business auto insurance to meet your needs from trips across the country to local deliveries. With Commercial Auto Insurance our agents at WE Insure, we’ll work with you one-on-one to create a customized policy that Server our Business needs.

Why do you need Commercial Auto Insurance?


Commercial auto insurance is set up differently from personal auto policies and designed specifically for businesses. That being said, if you don’t want your company to risk a door-closing disaster, you will get the commercial coverage needed to protect you and your employees against claims caused by an accident. 

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

Damage to property in an accident caused by your company vehicle.

Injury to others in an accident caused by your company vehicle.

Damage to your company vehicle in an accident.

Theft/vandalism of your company vehicle.

Your employees become injured in an accident and need medical assistance.

Your company vehicle is involved in an accident caused by another driver who does not have adequate/any insurance coverage.

What does Commercial Auto Insurance cover?


The state of Florida car insurance laws are notably different from many other states, also known as the Florida No-Fault Law. It requires all drivers of vehicles with at least four wheels to purchase and carry an auto insurance policy with two types of coverage: Personal Injury Protection (PIP) and Property Damage Liability (PDL). Each type of coverage must have a minimum coverage amount of $10,000.

Bodily injury liability

This overage pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense.

Property Damage Liability

This coverage provides you with protection if your car accidently damages another persons property and provides you with legal defense.

Personal Injury Protection

This overage pays for the medical expenses of the driver and passengers in your vehicle as a result of a accident regardless of fault.

Uninsured Motorist

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

Comprehensive Damages

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

Collision Damages

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

Coverages Enhancements:

A wide range of additional coverage types may be available, depending on the insurance company you work with and the state your business is in. For example, you may be able to buy coverage for your employees when they drive a car or truck your company does not own. You might also buy coverage for a rental replacement auto if your company car is in the shop. You could opt to get towing and roadside assistance. Some insurance companies even provide very specific coverage for companies who load and unload cargo, due to the increased liability risk involved.

How Much Does Car Insurance Cost?



Your auto insurance cost will depend on these some factors:

Basic Demographics – Including, your age, sex, marital status, and location.

Driving History – Tickets and violations will impact your rates.

Your Driving Habits – Your daily driving routine, what purposes you use your car for.

Your Credit Score – If your credit score is poor, you may be at a greater risk for filing a claim.

Household History – Insurance companies underwrite at the household level, if the probability of loss will occur.

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