Commercial Auto Insurance in Fort Myers, FL
For businesses that utilize vehicles—whether delivery vans, company cars or trucks—appropriate insurance coverage is essential. Commercial auto insurance is tailored to offer financial protection for these business vehicles.
What Does Commercial Auto Insurance Cover?
Commercial auto insurance typically offers the following coverage:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Uninsured/underinsured motorist coverage
However, policies are customizable and can be tailored with additional coverage to suit your operational needs.
How to Choose Commercial Auto Insurance?
When choosing commercial auto insurance, start by assessing your business’s needs. Consider the types of vehicles you use, their purpose and the associated risks. Next, understand the coverage options available, including liability, collision, comprehensive and uninsured/underinsured motorist coverage. Shop around for quotes from different insurers, comparing coverage levels, deductibles and premiums. Additionally, think about any additional coverage you might need, such as hired and non-owned auto insurance or cargo coverage. Finally, consult an insurance agent to tailor the policy to your business requirements.
How Much Is Commercial Vehicle Insurance?
The following factors may influence the cost of commercial auto insurance:
- Type of coverage—The specific coverage options you choose impact the premium.
- Coverage limits—Higher coverage limits can mean greater protection but can also result in higher premiums.
- Deductibles—Choosing a higher deductible can lower your premium, but you’ll pay more out of pocket in case of a claim.
- Vehicle types—The type of vehicles in your fleet matters. Premiums may differ for trucks, vans or specialized vehicles.
- Number of vehicles—Insuring more vehicles increases the overall premium. The fleet size can directly impact costs.
- Employee driving records—A history of accidents or violations among your drivers can raise premiums. Safe driving records can lead to better rates.
Contact Baker Insurance Group Inc. to review your commercial vehicle insurance and request a quote for coverage.