Commercial Auto Insurance
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Commercial Auto Insurance Information
Commercial Auto Insurance
Every business that owns or operates vehicles has lot to lose out on if it’s ever faced with costly vehicle damage, accident lawsuits and other unexpected challenges.
You can only do so much to prevent these accidents, but you can be prepared for any sudden challenge by having a strong commercial auto insurance policy in place. St. Andrews Insurance Agency is committed to helping every client get the benefits that will provide optimized protection at the prices they can best afford.
Call us at (850)785-2383
or request your free commercial auto insurance quote now!
Common Commercial Auto Insurance Questions:
What is Commercial Auto Insurance?
The average private auto insurance policy will become null and void if the insured vehicle is driven for business purposes. As a result, businesses that own vehicles, or that hire employee drivers, cannot buy these policies in order to meet their auto insurance needs. Rather, commercial auto insurance will provide the dedicated benefits that will be there for your business when you need assistance.
Various vehicles might need this policy, including:
Company cars provided to employees for commercial and private use
Vehicles hired or rented by the business
Certain personal vehicles that qualify as commercial due to their weights or sizes
How Does Commercial Auto Insurance Work?
You never know when one of your business’s vehicles might be involved in an accident, and you never know how much the recovery is going to cost you. Rather than straining your finances and suffering a profit loss, you should be able to turn to your business’s commercial auto insurance policy for assistance. It’s there to minimize the financial impact of these unexpected issues so that your business never faces an unsurmountable loss.
What Does Commercial Auto Insurance Cover?
The average commercial auto policy can offer numerous benefits, each of which can apply to different loss scenarios involving your vehicles or drivers. These include:
Hired/Non-Owned Auto Liability Insurance: This liability coverage extends to vehicles not owned by the business but used by them for business purposes. These might include employees’ personal cars or vehicles that you rent or hire to use temporarily.
Collision Insurance:This covers damage to your own vehicle that you sustained in a wreck.
Comprehensive Insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
Medical Payments/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. Sometimes, it will cover other losses, such as lost income.
Uninsured/Underinsured Motorist Insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.
Additionally, other policies and endorsements might help you expand your benefits, such as:
Inland Marine Insurance
Rental Car Reimbursement
Custom Parts Coverage
How Much Commercial Auto Insurance do I Need?
Florida has instituted mandatory minimum auto insurance requirements for all drivers, including commercial drivers. These are:
However, if your vehicle weighs more than 26,000 lbs., then you must carry at least the following combined limits of bodily injury/property damage liability coverage (per occurrence).
26,000 – 34,999 lbs: $50,000
35,000 – 43,999 lbs: $100,000
> 44,000 lbs: $300,000
Regardless of any coverage requirements, the benefits you will receive by investing in higher levels of coverage (even when it is optional) will ensure you have a high degree of protection available in the event of any particularly challenging vehicle mishap.
How Much Does Commercial Auto Insurance Cost?
Numerous factors can influence the cost of your commercial auto policy, including the size of your business, the number of vehicles you want insure and where you are located.
We understand that you want to get as affordable of a commercial auto policy as possible, and our commitment to you is that we’ll help you get the perfect combination of coverage so that you are always paying the right price for only the right amount of benefits.
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