Commercial Vehicle
Insurance
At Broward Hall Insurance Agency, we can create a commercial auto insurance package tailored to the specific needs of your company. The correct policy will serve as protection against liability for bodily injury and property damage relative to your ownership, maintenance, or use of vehicles involved in doing business in Florida.
Trucks, buses, limousines, and other types of vehicles can all be covered with an affordable insurance policy. Your business may also want to include non-owned and hired auto liability coverage for vehicles your employees use or that you rent or borrow for business purposes.
- Complete Coverage
- Next to your employees, your commercial vehicles are an essential part of your business operations. They allow you to provide exceptional care to your customers and safety to your workers. Road conditions, weather and other drivers on the road are often beyond your control, which is why you need a commercial automobile insurance policy to help protect your business in the event of an unexpected accident. We understand these perils and know how to protect you and your business with a complete commercial vehicle insurance policy.
- Fleet Transportation
- When your business owns more than five vehicles, it can be classified as fleet transportation and we can help you get better coverage for less money with a volume discount or special commercial auto insurance rate consideration.
- Non-Owned/Hired
- If you rent, borrow and use someone else's vehicles for your business purposes or if you have your employees use their vehicles, you need an insurance policy that fully protects you in the event of an accident.
Popular Insurance Types
Here are the answers to common Commercial Vehicle Insurance questions.
When do you need Commercial Auto insurance?
A commercial auto policy is needed if employees operate the vehicle or if the ownership of the vehicle is in the name of a corporation or partnership. Also, if you are using your vehicle to transport goods or people for a fee or if you use your vehicle to conduct a service you are required to carry commercial auto insurance. You might also need a commercial policy if you need higher limits of liability because of the nature of your work.
I drive a pickup truck. Do I need commercial automobile insurance?
How you use your truck and what type/weight of your truck would determine if it should be insured as a commercial vehicle. If your vehicle is used for you or your families normal daily use, meaning you are not conducting business or use it during the course of your business, most likely you will be able to choose a personal auto policy. Some activities however, such as delivering pizzas, or other products may be excluded from your personal auto policy. Another consideration is who is riding with you such as clients or co-workers. Companies may differ in how they define commercial and personal auto policies, so make sure to check your policy for details about what is and isn’t covered.
My policy lists a coverage called Personal Injury Protection (PIP). What is that for and can I remove it from the policy?
Florida law requires every vehicle and vehicle owner to have Personal Injury Protection (PIP) insurance with a minimum of $10,000 in coverage. This is a mandatory coverage and cannot be removed.
I own a business in another state but I am here working in Florida on a job. My vehicles are registered out of state. Can I get a Florida Commercial Automobile policy for my vehicles?
No, vehicles must be insured in the State they are registered in and where they are normally garaged. When vehicles are stored in another state long term you need to notify your insurance carrier in case any adjustments need to be made.
Ask about insurance packages that can bring better coverage for up to 20% less cost.
Disclaimer: Above questions and answers are intended to be generalized information and may or may not be the specific wording of your insurance contract. Your specific policy contract coverages and definitions will prevail. For specific questions of coverage, please contact your insurance provider. Generalized questions are not an offer of coverage. If you would like an insurance proposal, please contact our office.