Florida Commercial Auto Insurance

What is Florida Commercial Auto Insurance?

Commercial Auto Insurance is designed specifically for businesses that own or operate vehicles for work purposes, whether for deliveries, transporting goods, conducting daily business errands, or transporting passengers. This policy provides essential liability and physical damage coverage to protect your company from costly claims.

What types of Florida Commercial Auto Insurance we can insure in Florida?

• Trucks – such as Trucking including Trailer and Motor Cargo, dump truck, box truck, flatbed truck. Policy cover liability against other vehicles on the road and protects your customer’s items that you are hauling for a fee.
• Buses –  This policy covers your business vehicles for any accident incurred by your employees against other cars on the road, also protects your passengers in your vehicles during transportation.
• Limousines – Policy covers your LIMO Stretchers or LIMO Sedans, which are used to transport guests in town for special events or for driving local passengers to the airport. Due to the class of passengers using luxury limo transportation services, we highly recommend having a higher liability limit of $1,000,000 per policy.
• Taxi  – Policy covers bodily injury to your passengers taking a ride in your vehicle, as well as covers any accident liability claim caused by your driver against other vehicles on the road.
• Van – includes box van, refrigerated van, courier van, 16 seat passenger van, and cargo van.
• Non Emergency Medical Transportation Insurance – This special insurance policy protects your business when transporting non emergency medical patients from their homes to the medical facilities. Commercial Insurance Companies calculate this class of business based on pre-scheduled arrangement pick-up.

What does a Florida Commercial Auto Insurance policy cover?

• Commercial Automobile Liability  – this Coverage is a type of insurance that protects businesses from financial loss, due to accidents involving company commercial vehicles. If one of your company’s vehicles is involved in an accident and causes property damage or bodily injury to others, this coverage helps cover the legal liability. Specifically, it includes:

  1. Bodily Injury Liability – Covers medical expenses, legal fees, and compensation for injury caused to others in an accident where your driver is at fault.

  2. Property Damage Liability – Covers the costs to repair or replace another party’s property (such as their vehicle or other property) that was damaged in an accident caused by your driver.

• Uninsured Motorist Coverage –  This coverage protects your employees driving a company vehicle for bodily injury and medical expenses over and above the standard P.I.P. policy limit of $10,000, in the event other vehicle causing the accident, have no insurance.
• Hired Auto Insurance – this policy covers your business against any legal liability claim in the event you rented, borrowed, hired, or leased vehicles for business transportation.
• Non-Owned Auto Insurance – this policy covers your business against any legal liability claim in the event your employees drive their personal vehicle for business errand.
• Comprehensive coverage – This policy covers the physical damage to your vehicles, that may suffer in the event of theft, fire, or vandalism. This policy is rated according to the current vehicle market value.
• Collision coverage – to cover your vehicles against physical damages to your vehicles caused by accident during transit.
• Rental and Towing – this policy pays for a rental vehicle for business purposes, to be used during repairing your own car when it gets involved in an accident, up to 30 days, also for towing expenses.
• Medical coverage – this policy pays for Medical payment in the event of an accident to your employee driving a company vehicle.
• Cargo Coverage – to policy covers your customer’s goods being transported by you business,  caused by theft, property damage, or fire during transit or in your care, custody and control.

 G. Zein Insurance Services is licensed with multiple National Commercial Insurance Companies to deliver a comprehensive package policy to you at an affordable rate.

7 proven ways to save money on Commercial Vehicle Insurance in Florida?

1. Provide proof of monthly maintenance records for your vehicles.
2. Discount apply to multiple vehicles insured under one policy.
3. Hire experienced driver with a clean driving record for the past 3 years.
4. Additional discount for company drivers completing a Florida Defense Driving Course.
5. Additional discount are available for having an active general liability insurance policy.
6. Provide proof of 3 years claim-free history, supported by a loss run report obtained from current insurance company.
7. If your business owns over nine vehicles, your account is rated as a fleet which often comes with preferred pricing.

Check our Commercial Auto Insurance Rates before you renew.

Are you shopping today for a better Commercial Auto Insurance quote, please fill out a quote request form, or feel free to call G. Zein Insurance Services now at (954) 454-9599. We are here to help you lower the cost of Insurance.

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