Transportation Commercial Auto Insurance in Florida

Let's build the right retail store business policy for you

Florida state law requires businesses that own, rent or lease vehicles for work to have commercial auto insurance coverage. You’ll also need it if your employees use their personal vehicles for business. With commercial auto insurance, you won’t have to pay out of pocket for costly claims, like property damage or bodily injury, resulting from an auto accident involving you or one of your employees.

Commercial vehicles, products and employees are constantly on the move. In fact, motor vehicles transport goods and people more than 2.9 billion miles on the road each year.

1 Whether you are a manufacturer or a wholesaler/distributor delivering products via your own fleet of commercial vehicles, an over-the-road trucker carrying cargo across the country for others or a limousine service delivering your passengers to their destination, you need a commercial transportation insurance company with expertise to help keep you on the road.

Insurance for transportation business is important regardless of your company's size. From employee injuries to damage your trucks cause to other drivers’ vehicles or to property like a loading dock or gas pump, commercial trucking companies have to be prepared for the potential financial impact from a wide range of risks.

Who Needs Commercial Insurance for Transportation?

Businesses that transport goods or people for work need commercial auto insurance. This includes businesses that own, lease, or rent vehicles for work purposes.

• Businesses that transport goods: Delivery companies, contractors, and food services that use vehicles to transport goods or equipment
• Businesses that transport people: Taxis, limousines, and other livery services that transport passengers
• Non-profit organizations: Businesses that use buses or vans to transport volunteers or clients

Why is commercial auto insurance important?

• It protects your drivers, vehicles, and cargo
• It provides coverage if you get in an accident or your vehicle is damaged while transporting goods or passengers

Transportation companies of all kinds need proper coverage. Business insurance for a moving company, for example, is very important. Most states mandate commercial auto liability coverage for businesses that own or lease vehicles.

Transportation company insurance policies can be very expensive, so competitively priced insurance from biBERK could help your bottom line. You should also protect your company from a wide range of other potential issues, including things like visitor slip-and-fall injuries, damage to your company’s assets, and many more.

What Types of Businesses Need Commercial Auto Insurance in Florida?

If your Florida business uses any types of vehicles like cars, pickup trucks, box trucks or commercial vans for work purposes, commercial vehicle coverage will help safeguard your operations.

Examples of Transportation Commercial Auto Business that qualify for insurance include:

• Truckers
• Logistics companies
• Bus operators
• Waste and cement haulers
• Ambulance companies
• Rental car companies
• Distribution companies
• Manufacturers with large private fleets
• Food Vendor
• Food trucks

What is the difference between commercial and personal auto insurance?

The main difference between commercial and personal auto insurance is the coverage provided. A personal auto policy provides coverage to protect you, your personal assets and prevent you and your family from experiencing financial hardship. Commercial auto insurance provides coverage to protect you and businesses from auto-related lawsuits and settlements.

Another key factor is vehicle ownership. If your vehicles are owned by your business, they need to be covered under a commercial auto policy. That way commercial auto insurance will help protect your business’s finances from costs related to accidents or other covered losses. It’s events like these — when you or your employees are driving one of your business’s vehicles — where you need this protection most.

If your business depends on any company vehicles to get the job done, you’ll need commercial car insurance to keep you and your employees protected. In the Sunshine State, commercial auto insurance policies commonly include the following coverages:

Commercial auto insurance covers business vehicles

If you're a sole proprietor who owns a vehicle used primarily for business, you may need commercial auto insurance. Commercial coverage typically has higher liability limits than personal auto insurance. It can cover cars, trucks, limos, and vans used to:

• Transport goods or equipment
• Drive clients or employees
• Perform a service that you’re paid for
• Charge passengers a fee to ride in your vehicle
• Charge people a fee to transport goods in your vehicle
• Haul heavy, work-related loads, such as a dump truck
• Tow a trailer used for business

What Does Florida Commercial Auto Insurance Cover?

• Bodily Injury Liability Insurance Coverage helps pay for the other driver’s medical expenses if you or one of your employees causes an accident.
• Property Damage Liability Insurance Coverage pays for damage that you or your employees cause to someone else’s property.
• Drive Other Car Coverage covers your business’ executive officers and their spouses if they drive vehicles that aren’t on your commercial auto insurance policy.
• Collision Coverage helps pay to fix or replace your business’ car if you hit something, like another car or pole.
• Comprehensive Coverage can help pay for damage to your car caused by theft, fire or natural disasters.
• Medical Payments Coverage can help pay for medical expenses for your employees and their passengers in the event of an accident, such as medical treatments and rehabilitations, dental care or funerals.
• Uninsured/Underinsured Motorist Coverage helps pay for you or your employees’ medical expenses or to fix your car if you’re in an accident with another driver who doesn’t have enough liability coverage or is uninsured.
• Hired and non-owned auto insurance offers lawsuit liability coverage if you or your employees are involved in an accident with a personal, rented or leased car that was used for business errands. However, this type of commercial vehicle insurance coverage won’t pay for damages to the personal, rented or leased car.

Customize your coverage

• Data Compromise and Identity Restoration – Provides coverages that work together to help your business and you get back on track after a data breach occurs or if you, the business owner, becomes a victim of identity theft.
• Hired Auto – Helps to protect for insured's legal liability arising out of the maintenance or use of a hired auto by the insured or insured's employees.
• Ordinance or Law – Covers the loss in value and increased cost due to the enforcement of municipal laws or ordinances regulating the construction or repair of damaged buildings caused by an insured loss.

At Angel Family Insurance we are committed to helping you find the right insurance coverage at the best price. We are an independent insurance broker with options for you.

Our experienced, local insurance agents, take the time to assess your individual needs and develop a policy that fits your budget.