FLORIDA/TEXAS—As a Business owner in Florida or Texas, you need some of the same insurance coverage's for the company cars, trucks, vans or other vehicles you use in your business as you do for vehicles used for personal travel. A commercial auto insurance policy is required under most circumstances when a vehicle is used for business purposes and meets certain other requirements. Besides the registration, other factors include ownership by a corporation, use in hauling goods for hire and gross weight of the vehicle, among others.
SO,
What is covered by a commercial auto insurance policy?
Commercial auto insurance covers injuries that you or your employees may cause to other people and their property while driving. A commercial auto policy also can include coverage for cars you borrow or rent, as well as coverage for employees who use their cars for your business.
DIFFERENT TYPES OF COMMERCIAL VEHICLE COVERAGE INCLUDE
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Auto liability
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Protects you and your company by paying for bodily injury or property damages you may become legally liable for as a result of a covered automobile accident.
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Medical payments
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Pays medical expenses, up to your coverage limit, for you, your employees and your passengers arising from motor vehicle accidents – regardless of who is at fault.
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Comprehensive coverage
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Can help pay for damage to your vehicle from something other than another vehicle like vandalism, theft, weather events and accidents involving animals (subject to deductible.)
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Collision coverage
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Pays for damage to your vehicle from another vehicle whether you hit another vehicle or object, another vehicle hits you, or your vehicle rolls over – regardless of who is at fault (subject to deductible.)
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Uninsured and underinsured motorist coverage
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Pays for medical expenses, loss of income and other damages owed to you, your employees (expenses that are not covered by workers’ compensation) or your passengers when an accident is caused by an uninsured or underinsured motorist.
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What kind of vehicles can be covered in a Commercial Auto Insurance policy? The following are a few examples:
Passenger vehicles
Vehicles used for running business errands or transporting clients and other passengers. The types of vehicles include but are not limited to cars, light pickups, and SUV's.
Cargo vans, pickups & utility trucks
These are common commercial vehicles among contractors, florists and cleaning businesses. Your vehicles will be protected whether you're transporting tools and supplies or making deliveries.
Food trucks
Vehicles commonly used for food service businesses like restaurants, caterers, ice cream vendors and food truck owners who depend on their units for running their operation.
Large trucks
From dump trucks to tractor trailers, we have the experience you're looking for.
Trailers
We’ll help you find a wide range of coverage for commercial trailers ranging from pickup tractor utility trailers to large dump body trailers pulled by a tractor.
At Garzor Insurance we care about your business and we also understand that in Florida and Texas, it is hard to find the right Commercial Auto insurance company that is most competitive with your type business. Not only our agents can find a commercial auto or truck insurance policy that suits your company's needs, but we will be able to assist you with aspects of your business like general liability, property coverage or workers compensation. Also, identifying potential coverage gaps and discuss your unique insurance needs to find you the professional liability policy with coverage that matches your specific business needs.
Our experienced professionals are dedicated to providing commercial insurance, including BOP coverage,business general liability, and professional liability coverage in Florida as well as Texas, and now many other states across the U.S. If you also have questions about truck or other commercial vehicles insurance, or any other business insurance aspects, please do not hesitate to visit us online at Garzor Insurance, or you may want to call us directly at (321) 206-8035.
Yaralyn Diaz, CSR
Commercial Lines CSR - Service Team Lead
