What a commercial auto insurance policy actually is?
Commercial auto insurance – also called commercial car insurance, truck insurance or fleet insurance – is your protection against liabilities for property damage and bodily injury. If your business involves using cars, then you need to be extremely careful about optimum protection, by having a strong and sound insurance policy which includes much more than your personal auto policy. The best part of this business insurance is that it covers a wide range of vehicles.
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| Florida commercial auto insurance |
Florida commercial auto insurance is available for ownership, maintenance and use of vehicles that are part of your business. It covers a lot of aspects, including court costs or attorney fees, coverage for rented or borrowed vehicles. The more vehicles you own, the more eligible you are for a discount or a special rate, especially if you have no records of accidents at your fault.
Why would you need commercial auto insurance?
The answer is simple: because when you own a business that involves cars, anything might happen, anytime. Your employees are using your vehicles, not you, but your business will suffer if something goes wrong; and you can not control everything (no one can), so you will need coverage for various situations that may occur. This type of insurance will help you if:
- You use vehicles to transport goods or people.
- The nature of your work asks for higher limits of liability.
- You are hauling tools or heavy equipment.
- You have vehicles operated by your employees.
- You own goods in a partnership.
What will a Florida commercial auto insurance policy usually cover?
Like any other cheapest auto insurance in Florida, it covers liability and collision first, then medical payments included in PID (Personal Injury Protection), as well as uninsured drivers. However, you might need more than that when you deal with many vehicles and various drivers that work for you. In order to be fully protected, you need:
- "Named driver only" policies
- Bodily injury liability coverage in case of death of a person involved in the car accident.
- Property damage liability coverage in case one of your vehicles is involved in damaging another car.
- No-Fault or personal Injury coverage for both the driver and the passengers.
- Comprehensive physical damage coverage in case of external causes, like flood or fire, vandalism or even theft.
As you can see, if you own a business involving cars, there are quite a lot of things you need to think of.
When you look for Florida Commercial Auto Insurance agents or companies, you might want to get:
- full customer support on every way or communication – telephone, e-mail or chat – so that you can solve emergencies in the shortest time.
- experienced staff to answer your questions and to help you find the best solutions.
- good references from other clients in order to make sure you can trust the insurance company.
Get your Florida commercial auto insurance right now and you will sleep much better at night knowing that, in case the worst happens, you are covered! If you are looking for more information please visit information center