What Does a Standard Commercial Auto Policy Cover?

If your business relies on vehicles to get the job done, understanding your commercial auto insurance is essential. A standard commercial auto insurance policy in Florida typically offers multiple types of coverage that can help address the unique risks of business vehicle use, including:

• Liability coverage can help pay for accidental bodily injury and property damage you may cause to others while using a business vehicle. This may also cover your legal fees if your business is sued after an accident.
• Physical damage coverage includes two main types:

• Collision coverage may pay for damage to your business vehicle if it’s involved in a crash, regardless of who is at fault.
• Comprehensive coverage may provide financial protection against non-collision events, such as fire, theft, vandalism or severe weather.

• Uninsured/underinsured motorist coverage may help pay for your injuries or damages if you’re involved in an accident caused by a driver who has little or no insurance.

Depending on your needs, your policy may also include coverage for towing, rental reimbursement or specialized equipment attached to your vehicles.

Why Florida Businesses Need Commercial Auto Insurance

Florida law requires certain minimum coverages for vehicles used in business. However, every business is different, and the right policy can help financially protect you from costly claims, downtime and certain unexpected events.

Get Started

Baker Insurance Group Inc. works closely with Florida businesses to assess risks, explain coverage options and tailor commercial auto insurance solutions. If you would like to speak with an agent or request a custom quote, contact us today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.