 What is Commercial Auto Insurance?
GreatFlorida Insurance offers commercial auto insurance (e.g., truck insurance) policies to protect against liabilities for property damage and bodily injury.
You can’t control what people do behind the wheel, but you can give yourself optimum protection with a sound insurance policy.
Florida commercial auto insurance insures your vehicles for physical damage and liability coverage for amounts, situations and usage not covered by a personal auto policy.
This type of business insurance covers a variety of vehicles and is also referred to as commercial car insurance, truck insurance, or fleet insurance.
Whether you currently own a business or are a prospective business owner, you can get a Free Commercial Auto Insurance quote today.
Simply call 305-461-3232 or complete our online quote request form.
Our Agents at GreatFlorida Insurance will help you find affordable Florida Commercial Auto Insurance to protect you and your business.
Why do you need Commercial Auto Insurance?
In general, if an auto is used in tasks related to the operator's occupation, profession or business, other than commuting, a commercial policy is necessary.
This is because many business uses and auto types may be excluded from personal policies.
- If you are using your auto to transport goods or people for a fee or if you use your auto to conduct a service, you may need a commercial auto insurance policy.
- A commercial auto policy may be appropriate if you need higher limits of liability because of the nature of your work.
- Hauling a considerable weight in tools or equipment or towing a trailer used to conduct your business may require a commercial auto insurance policy.
- A commercial insurance policy may be needed if employees operate the auto or if ownership is in the name of a corporation or partnership.
Your GreatFlorida Insurance Agent in Coral Gables can help you determine the coverage you need based on how your vehicles are used in conducting your business and who will be driving your vehicles.
What does Commercial Auto Insurance cover?
Florida Commercial Auto insurance, like your personal auto policy, provides similar coverages such as liability, collision, comprehensive, medical payments (or personal injury protection) and uninsured motorists coverage.
However, there are also differences between a commercial auto insurance policy and your personal auto policy that may include eligibility, definitions, coverages, exclusions, and limits.
Most Commercial Auto policies are "named driver only" policies, meaning only those drivers listed on the policy can operate a covered auto.
What are the coverages?
- Bodily injury liability coverage – This 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 coverage – Property damage liability coverage provides you with protection if your car accidentally damages another person’s property. It also provides you with a legal defense.
- Combined single limit (CSL) – Liability policies typically offer separate limits that apply to bodily injury claims for property damage. A combined single limits policy has the same dollar amount of coverage per covered occurrence whether bodily injury or property damage, one person or several.
- Medical payments, no-fault or Personal Injury Coverage – This extremely important coverage usually pays for the medical expenses of the driver and passengers in your car incurred as a result of a covered accident regardless of fault.
- Uninsured motorist coverage – This coverage pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.
- Comprehensive physical damage coverage – This pays for damage to or replacement of your car from theft, vandalism, flood, fire, and other covered perils.
- Collision coverage – Just like the name sounds, this pays for damage to your car when it hits or is hit by another object.
Are there commercial truck insurance policies available?
Yes. Your GreatFlorida Insurance Agent in Coral Gables wants to protect you from liabilities related to your commercial truck(s). Your business may qualify for coverages such as:
- Tow truck insurance: If your business involves towing vehicles, you’ll need special policies in place. These include On Hook Towing (to cover damages caused to vehicles that you tow) and Garagekeeper’s Legal Liability (covers your business when you store cars for parking or service).
- Bobtail or non-trucking liability insurance: This type of coverage protects your vehicle if you’re using it for personal use and you are involved in an accident.
- Motor truck cargo insurance: Does your business involve moving cargo? You’ll need a special policy to protect you in the event that damages are caused to the cargo.
Types of vehicles covered
Commercial Auto Insurance covers a variety of vehicles that you rely on to serve your customers. Often times, these vehicles include trucks such as:
- Garbage trucks
- Dump trucks
- Flatbed trucks
- Box trucks
- Tank trucks
- Tow trucks
- Front loader trucks
- Pickup trucks
- Semi trucks
Additional vehicles include:
- Vans
- Cargo vans
- SUVs
- Cars
Contact GreatFlorida Insurance for a complete list of commercial and truck insurance vehicle coverages.
Are there limits on who can be covered by a commercial auto insurance policy?
Yes. To secure a commercial auto insurance policy or truck insurance policy for your business, your employees will need to have clean driving records (i.e., no violations or points on the license).
Flexible payment plans
GreatFlorida Insurance offers a variety of payment options to keep your business on the move. Commercial auto insurance and truck insurance policies don’t have to financially inconvenient. Our policyholders benefit from premium payment plans.
Additionally, we accept several forms of payment.
Call 305-461-3232
We've been Coral Gables's Business Insurance Agency since 1991.
The answers to these Coral Gables Commercial Auto Insurance FAQs are meant only as a general guideline.
Please consult with your local GreatFlorida Insurance Agent in Coral Gables for a detailed explanation of these important topics.
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