Commercial Auto Insurance for Florida Business Vehicles

Business Insurance for Commercial Auto

Commercial auto insurance protects vehicles used for business purposes and covers your company from liability when accidents occur. Whether you own a fleet of delivery trucks, provide company cars to employees, or simply use your personal vehicle for business errands, proper commercial auto coverage is essential. Personal auto policies specifically exclude business use, leaving you exposed if you rely on personal coverage for commercial activities. The Gordon Agency helps Florida businesses secure proper commercial auto insurance that protects your vehicles, your drivers, and your business from accident-related claims.

Why Your Business Needs This

• Personal auto insurance won't cover accidents that occur during business activities
• Florida's busy roads and high accident rates increase your risk exposure significantly
• Your business can be held liable for accidents caused by employees driving for work
• Vehicle damage from accidents can put your business operations on hold
• Lawsuits from serious accidents can threaten your business assets without proper coverage

What It Covers

Commercial auto insurance provides liability coverage for bodily injury and property damage when your vehicle causes an accident. It includes medical payments coverage for injuries to you and your passengers regardless of fault. Collision coverage pays to repair your vehicle after accidents, while comprehensive coverage protects against theft, vandalism, fire, and weather damage. Uninsured and underinsured motorist coverage protects you when the other driver lacks adequate insurance. The policy covers your owned vehicles, leased vehicles, and in some cases, rented vehicles used for business. The Gordon Agency ensures your coverage limits are adequate for your business assets and risk exposure.

What Types of Vehicles Need Commercial Auto Insurance?

Any vehicle titled in your business name requires commercial auto insurance. Vehicles used regularly for business purposes need commercial coverage, including delivery vehicles, service trucks, company cars, and vehicles that transport goods or equipment. If you have a commercial driver's license requirement, you need commercial coverage. Vehicles with special modifications for business use require commercial policies. Even personal vehicles used occasionally for business may need hired and non-owned auto coverage added to your general liability policy. The Gordon Agency reviews your entire vehicle situation to ensure every exposure is properly covered.

How Is Commercial Auto Different From Personal Auto Insurance?

Commercial auto policies provide higher liability limits to protect business assets from lawsuits. They cover multiple drivers without listing each person individually, important for businesses with employee drivers. Commercial policies include coverage for business activities like transporting customers, delivering goods, or carrying tools and equipment. They offer specialized coverage for different vehicle types including trucks, vans, and specialty vehicles. Premium calculations consider business factors like radius of operation, types of cargo, and employee driving records. The Gordon Agency works with carriers that specialize in commercial auto coverage and understand Florida business needs.