Commercial Auto/Truck Insurance

Commercial Auto/Truck Insurance

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Commercial Vehicle insurance in Florida

If your commercial vehicle is ever involved in an accident, you could not just be held liable for damages, your could also lose one of your primary means of generating income. Even if you are not dependent on your truck to run your business, it is always a good idea to make sure that your vehicle is properly insured.

Commercial  auto insurance differs from a personal insurance. Commercial auto insurance can be tailored to cover a fleet of vehicles and protect the business as a whole from liability when it comes to accidents or claims caused by employees on the road.

The easiest way to protect your business is through a comprehensive commercial auto/truck plan. Contact one of our experienced insurance agents for more details.

What should my business auto policy cover?

Commercial auto insurance coverage may include:

  • Comprehensive and Collision 
  • Emergency Roadside Assistance
  • Liability
  • Medical Payments
  • Loss of Earnings
  • Uninsured Motor Vehicle

Why do I need such comprehensive coverage?

When your employees use a company vehicle for business purposes, their personal auto policy coverage no longer applies in the event of an accident, property damage, or fatality caused by one of your employees.

What to expect from our company

At our firm, you’ll speak with an experienced agent whose main goal is to design a policy to fit to your particular business needs.

Whether your commercial vehicle is for occasional use, a possible new venture, or a daily necessity, we are here to make sure coverage is applicable and answer any questions you may have.

A cautionary tale

As one business owner found out, it’s always best to ask if you don’t know what type of policies you may need.

This owner had a love for fashion and a knack for finding gently used clothing. One day, she decided to take a leap of faith and open her own vintage clothing boutique.

It didn’t take long for business to start booming for the boutique. It wasn’t long before she had an epiphany: Why not complete personal deliveries for locals? 

It wasn't long before she was making deliveries, when the unthinkable occurred: she backed into a young man on a bicycle. While he was not seriously injured, he was hospitalized overnight for monitoring.

The next day a claims adjuster called to inform her that since she was doing business at the time of the accident, the claim would not be covered by her personal insurance policy.

Stuck with a huge hospital bill and letter of lawsuit from the biker’s attorney, she was forced to shut down her business.

Answer this one question:

Can you afford to expose your income, your personal property, and your employees to this high-level of risk? If the answer is “no,” then we can help.

Why we're different 

While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent, to be both affordable and responsive.

Contact us, and let our insurance professionals help you protect what you care about most.