Commercial Auto Insurance

Get an auto insurance quote from our agency and you may save thousands of dollars a year. It only takes a few minutes to find out how much we can save you!

Commercial Auto Insurance

If you use a vehicle for work, you probably need a commercial policy. Not sure whether you need a personal or commercial auto insurance policy? Here are some things to consider when deciding what kind of insurance policy you need.
  • Who Owns and Drives the Vehicle - If your vehicle is owned by a business, most likely, you'll need a commercial auto insurance policy. If you're a sole proprietor, you might only need a personal auto insurance policy. The type of policy you need also depends on how often the vehicle is used and what it's used for.
  • How the Vehicle is Used - If you use your vehicle for business purposes, you'll probably need a commercial auto insurance policy. If you're a sole proprietor who only travels to 1 or 2 job sites a day, or just use your vehicle for commuting, you might only need a personal auto insurance policy.
  • The Type and Weight of the Vehicle - If the vehicle you drive is heavier than a normal size pickup or SUV, like a dump truck, tow truck, or semi truck and commercial trailer, you might require a commercial auto insurance policy. Heavy duty vehicles can cause more damage if they're involved in an accident and sometimes require special insurance coverages.
  • Required Business Liability Limits - If your business vehicle requires higher liability limits, you will probably need a commercial auto insurance policy. Commercial auto insurance policies typically offer higher limits than personal auto insurance policies.

Types of Vehicles Commercial Auto Insurance Can Cover

Commercial automobile insurance is a broad term that refers to most commercial business automobiles, including but not limited to:
  • Company cars
  • Cargo Vans
  • Limos
  • Taxis
  • Buses
  • SUVs
  • Pickup trucks
Commercial auto policies cover personal cars that are used for business, as well as SUVs, light duty trucks, buses, limousines, taxicabs, vans and other delivery vehicles used solely for business purposes. Use of these automobiles is associated with a range of risk factors, including how you use them, how often, and how many miles they travel each year, among other factors. Insurance companies review these risk factors along with any efforts your company may make to improve driver safety, when they assess the amount of coverage your business needs.

​How to Determine if you Need Commercial Auto Insurance

​Personal auto insurance policies can provide enough auto insurance coverage for some businesses, especially if you're also driving your vehicle for personal use. However, if you require specific commercial auto insurance coverage, high Liability insurance limits, operate an unusual vehicle, haul special equipment, transport goods or people, or have other special needs, then you'll need commercial auto insurance.
“The above description provides an overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. Other terms, conditions and exclusions may apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.”
(954) 657-8967​
126 E McNab Road
Pompano Beach, FL 33060​
Click Here to Email Us