Florida Commercial Auto Insurance
Best Commercial Car Insurance for Businesses in Jacksonville, St. Augustine, Saint Johns and Beyond
Florida is a fantastic environment to start a business. With huge tourist attractions and a thriving, excited environment, Florida offers plenty of opportunity for business. If you own or plan to own a business in Florida, it’s important to have the right type of insurance.
Most people don’t realize that personal auto insurance policies don’t cover commercial vehicles. Even if you or your employees use personal vehicles for work purposes, you will need a commercial auto insurance policy to cover against damages.
At Insure All Insurance Agency, we understand the dangers that Florida business owners face. We work closely with every client to find a policy that covers your vehicles from threats without draining your company’s bank account.
Florida Commercial Auto Insurance Requirements
Florida requires all business owned vehicles to carry at least:
- $10,000 in personal injury protection (PIP)
- $10,000 in property damage liability
Personal injury protection provides compensation for injuries to you and your passengers after an accident, no matter who is at fault. Property damage liability compensates victims if you cause property damage while operating the insured vehicle. Keep in mind that insurance requirements may vary depending on the size and weight of the vehicles as well as the cargo being transported.
While these are the only legal requirements in Florida, these are not the only coverages that you need. There are many other accidents that could damage your vehicle that aren’t covered beneath PIP or property damage liability.
What We Offer
We offer commercial auto insurance coverages for nearly any danger that may face your company’s vehicles. Important coverages we offer include:
- Comprehensive Coverage: Comprehensive coverage provides compensation if the commercial vehicle is lost or damaged due to fire, wind, hail, theft, vandalism and other dangers not involving collision.
- Collision Coverage: Collision coverage provides compensation for damages to your vehicle due to a collision with another vehicle or object.
- Bodily Injury Liability: On the other side of liability, bodily injury liability provides medical expense compensation to victims you may injure while operating the insured vehicle.
- Uninsured/Underinsured Motorist coverage: This coverage compensates you for damages if an uninsured or underinsured motorist crashes into you.
- Hired and Non-Owned Coverage: If your company hires or leases a vehicle, this insurance will cover any liability claims that arise from operating the vehicle as well as physical damage that occurs to the vehicle.
Speak to an Insurance Professional Today
Insuring your assets is one of the most important aspects of running a business. At Insurance All Insurance Agency, we’re determined to be the one stop shop for all your insurance needs. We’ll find you a policy that suits your business, your vehicles and your wallet. Give us a call at (904) 725-0933 or fill out a Commercial Car Insurance Quote today!
Frequently Asked Questions
How Much is Commercial Auto Insurance for Uber?
Commercial auto insurance for vehicles used in ridesharing services can range anywhere between $3,000 to $5,000 a year. You may also purchase rideshare insurance, however, which is relatively more affordable.
How Much Commercial Auto Insurance Do I Need?
The limits of your commercial auto insurance policy depend on your specific needs. Aside from the insurance required by the state, you should consider your needs and speak with an insurance professional at Insure All Insurance Agency about finding the right policy.
What Does Commercial Auto Insurance Cover?
Commercial auto insurance covers a range of dangers including physical damage, liability issues and more.
How Much Does Commercial Car Insurance Cost?
Commercial car insurance premiums vary wildly depending on a variety of factors, including:
- Vehicle type, make and value
- Distance traveled
- Claims history
- Credit score
- Driving history of each driver
How Does Commercial Car Insurance Work?
As with other insurance policies, commercial auto insurance coverage is paid through monthly premiums. In return for premiums, your vehicle and drivers will be covered in case of an accident.