Commercial Auto Insurance in Florida

Riley Webb Insurance provides commercial auto insurance solutions to businesses across Florida and other states.

Why Does Your Business Need Commercial Auto Insurance?

If your company operates vehicles for business purposes, having the right commercial auto insurance in Florida is essential. Whether you own a fleet of delivery trucks, use company cars for sales visits, or have service vans for on-site work, business auto insurance can help provide financial protection in case of accidents, liability claims, or property damage.

Personal car insurance policies typically do not cover vehicles used for business operations, which is why Florida businesses turn to commercial auto insurance to help safeguard their assets.

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What Types of Vehicles Can Be Covered Under a Business Auto Insurance Policy?

Many different types of vehicles may be eligible for commercial auto insurance in Florida, including:

Company-owned cars used for business operations
Pickup trucks and vans for service or delivery purposes
Box trucks and larger vehicles used in logistics
Food trucks and specialty business vehicles
Trailers and other towed equipment

If your company relies on vehicles to conduct business, a commercial auto insurance policy may help protect your financial interests in the event of an accident or damage.

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What Coverages Are Typically Included in Florida Commercial Auto Insurance?

Commercial auto insurance policies in Florida may offer different types of coverage depending on your business’s needs. Some common coverages that may be available include:

Liability Coverage: This may help cover bodily injury or property damage claims if your business vehicle is involved in an at-fault accident.
Collision Coverage: This may help cover the cost of repairing or replacing your business vehicle if it is damaged in an accident.
Comprehensive Coverage: This may provide protection for damages from non-collision incidents, such as theft, vandalism, or severe weather.
Uninsured/Underinsured Motorist Coverage: This may help cover medical expenses or vehicle damage if your business vehicle is hit by a driver without adequate insurance.
Medical Payments (MedPay) or Personal Injury Protection (PIP): Depending on the policy, these coverages may help cover medical expenses for you and your passengers in the event of an accident.
Hired and Non-Owned Auto Coverage: If your business rents vehicles or employees use their own cars for work, this coverage may help provide protection.

Each policy is unique, and it’s important to discuss your coverage options with an insurance professional to determine what best fits your company’s needs.

How Much Does Business Auto Insurance Cost?

The cost of commercial auto insurance in Florida varies based on several factors, including:

The number and type of vehicles insured
The driving records of employees who operate the vehicles
The primary use of the vehicles (e.g., deliveries, client visits, transportation)
The coverage limits and deductibles selected
The location of your business and where the vehicles operate

Since Florida has unique insurance regulations, it’s beneficial to work with an experienced agency like Riley Webb Insurance to explore your options and find a policy that aligns with your budget and business needs.

Is Florida Commercial Auto Insurance Required?

Florida businesses that own and operate vehicles typically must carry a minimum amount of auto insurance coverage. While specific requirements may vary, businesses are generally required to carry:

Personal Injury Protection (PIP): Florida follows a no-fault insurance system, meaning businesses may be required to carry PIP to help cover medical expenses in case of an accident.
Property Damage Liability (PDL): This coverage may help pay for damages to other people’s property caused by a business vehicle.
Bodily Injury Liability (BIL): Depending on the nature of your business, this coverage may be required to help cover medical expenses and legal fees in case of an at-fault accident.

Florida insurance laws and coverage requirements may change, so it’s advisable to work with a knowledgeable insurance provider to ensure compliance and adequate protection.

How Can Riley Webb Insurance Help Your Florida Business?

Riley Webb Insurance specializes in helping Florida businesses find the right commercial auto insurance solutions. Our team understands the complexities of Florida’s insurance landscape and works closely with business owners to identify coverage options that align with their operations.

We offer:

Personalized insurance consultations
Competitive policy options from top-rated insurers
Assistance with claims and risk management strategies
Ongoing support to adjust coverage as your business grows

Whether you own a small business with a single company car or manage a fleet of commercial vehicles, we are here to help you navigate your insurance needs with confidence.

Why Choose Riley Webb Insurance for Your Business Auto Insurance?

Choosing the right insurance provider is just as important as selecting the right coverage. Riley Webb Insurance is dedicated to helping Florida businesses secure commercial auto insurance policies that align with their unique needs. When you work with us, you can expect:

Industry expertise and local knowledge
Tailored insurance solutions for businesses of all sizes
Competitive rates and flexible coverage options
Responsive customer service and claims support

Protecting your business assets is a priority, and having the right commercial auto insurance policy can provide peace of mind. Contact Riley Webb Insurance today to learn more about your options and get a personalized quote.

How Can You Get a Commercial Auto Insurance Quote in Florida?

Getting a business auto insurance quote in Florida is simple. At Riley Webb Insurance, we streamline the process by offering customized quotes based on your specific business needs. To get started, you’ll need to provide:

Details about your business and its operations
Information about the vehicles that need coverage
The number of drivers and their driving history
Desired coverage limits and deductibles

Our team will work with you to evaluate different policy options and help you find coverage that meets your business’s requirements.

If you’re looking for reliable commercial auto insurance in Florida, Riley Webb Insurance is here to assist. Our team is committed to helping businesses find policies that fit their specific needs.

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Feel free to contact our independent insurance agents with any questions or concerns you may have.

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