What Is Commercial Auto Insurance and Who Needs It?

Any Florida business relying on vehicles for daily operations needs commercial auto insurance. At Baker Insurance Group Inc., we offer coverage that aligns with your vehicle use.

What Is Commercial Auto Insurance?

Commercial auto insurance covers vehicles used for business. Unlike personal policies, it applies to vehicles owned, leased or used by your business, including cars, trucks, vans and specialty vehicles.

What Does It Cover?

A standard commercial auto policy may include the following:

• Liability coverage may help pay for bodily injury or property damage you may cause to others while driving for business.
• Physical damage coverage may pay for repairs or replacement if your business vehicle is damaged in an accident, theft, or other covered events.
• Personal injury protection (PIP) may help cover drivers’ and passengers’ medical expenses and other losses after an accident, regardless of fault.
• Uninsured/underinsured motorist coverage may apply if you’re involved in an accident with a driver who has insufficient or no insurance.

Who Needs to Get This Policy?

Commercial auto coverage may be essential for:

• Contractors transporting tools and equipment to job sites
• Delivery drivers and couriers
• Real estate agents meeting clients
• Landscapers, plumbers, and electricians using work vans or trucks
• Any business owner with employees who drive company vehicles

In Florida, businesses that own or use motor vehicles are required by law to carry commercial auto insurance. Additionally, lenders may impose their own mandates as long as auto loans remain outstanding.

How Our Team Can Help

Baker Insurance Group Inc. helps businesses find the right commercial vehicle insurance by assessing their needs and identifying ideal policies. Contact us today for more information