Commercial Auto Insurance

Get Insurance for your Company Vehicles

Commercial auto insurance is typically necessary for businesses that use vehicles as part of their operations. This type of insurance provides coverage for vehicles used for business purposes, offering protection similar to personal auto insurance but tailored to the specific needs of a commercial enterprise.

Some examples of businesses and situations where commercial auto insurance is typically required or recommended:

Business-Owned Vehicles:
Companies that own and use vehicles for business purposes, such as delivery vans, service vehicles, or company cars, need commercial auto insurance. This coverage can protect against property damage, bodily injury, and other liabilities that may arise from accidents involving these vehicles.

Fleet Vehicles:
Businesses with a fleet of vehicles, whether it's a small fleet or a large one, should have commercial auto insurance to cover all the vehicles used in their operations.

Contractors and Construction Companies:
Construction companies and contractors often use trucks and other vehicles to transport equipment, tools, and workers to job sites. Commercial auto insurance is essential to protect against the risks associated with construction-related activities.

Delivery Services:
Businesses involved in delivery services, such as courier companies, pizza delivery, or online retail delivery, need commercial auto insurance to cover the vehicles used for transporting goods.

Taxi and Rideshare Drivers:
Individuals who work as taxi drivers or participate in ridesharing services like Uber or Lyft typically need commercial auto insurance. Personal auto insurance may not provide adequate coverage for accidents that occur while providing transportation services for a fee.

Food Trucks and Mobile Businesses:
Owners of food trucks and mobile businesses that use vehicles as part of their business operations should have commercial auto insurance to protect against accidents and liabilities.

Commercial Transportation Companies:
Companies engaged in long-haul trucking, freight transportation, or other commercial transportation services require specialized commercial auto insurance to cover the unique risks associated with the transportation of goods.

Employee Transportation:
If a business provides vehicles for employees to use for work-related purposes, it's important to have commercial auto insurance to cover potential accidents or liabilities.

Typical coverages provided by Commercial Auto Insurance

Liability Coverage:
Bodily Injury Liability: Covers medical expenses, lost wages, and legal fees for individuals injured in an accident for which the insured is at fault
Property Damage Liability: Covers damage to other people's property caused by the insured vehicle

Physical Damage Coverage:
Comprehensive Coverage: Protects against non-collision events such as theft, vandalism, fire, or natural disasters.
Collision Coverage: Covers damage to the insured vehicle resulting from a collision with another vehicle or object.

Uninsured/Underinsured Motorist Coverage:
Protects the insured and passengers in the vehicle in case of an accident with a driver who doesn't have insurance or has insufficient coverage.

Medical Payments Coverage (MedPay):
Pays for medical expenses for the driver and passengers in the insured vehicle, regardless of fault.

Non-Owned Auto Coverage:
Extends coverage to vehicles not owned by the business but used for business purposes, such as an employee's personal car used for business errands.

Hired Auto Coverage:
Provides coverage for vehicles that the business rents or hires for business purposes.

Loading and Unloading Coverage:
Covers damage to goods during the loading and unloading process.

Towing and Labor Costs:
Covers the costs of towing and labor if the insured vehicle breaks down.

Rental Reimbursement:
Pays for the cost of renting a replacement vehicle while the insured vehicle is being repaired after a covered accident.

Equipment Coverage:
Covers specialized equipment or tools that are permanently attached to the insured vehicle.

It's important for businesses to carefully review and customize their commercial auto insurance policies based on their specific needs and the types of vehicles they use in their operations. The coverage may vary depending on the policy terms.

How to get Auto Insurance in Florida:

> Call: 954-306-3333
> Visit our office:

• 1515 N. University Dr., #207, Coral Springs, FL 33071

> Fill out a Quote Form online