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Commercial Auto Insurance

Jacksonville, Florida

When you or an employee operates a company van, truck or car, your business assets are always at risk. Some owners simply fail to recognize the importance of commercial auto insurance coverage especially when they are driving a vehicle that belongs to his or her company.

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Shop for affordable commercial auto insurance in Jacksonville, FL

Truth be known, all commercial vehicle should be better insured than the family car. In accidents where the driver of a commercial vehicle is deemed to be at-fault, legal settlements can result in a much higher cost of reparation for personal injuries and other damages. Whether you lease your company vehicles or own them outright, the cost of comprehensive and collision auto insurance coverage is well worth the monthly premium.

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Coverage Explained

You may have heard horror stories about business owners who lost everything in the aftermath of a tragic accident due to lack of proper insurance coverage. Whether your business operates a fleet of vehicles or you are just a one-man show, protecting yourself from mayhem is crucial. Listed are a few tips to consider before selecting your commercial coverage:

Protect Your Business & Personal Assets
Umbrella liability coverage can be useful for increasing the limits of your company’s auto and commercial truck insurance coverage. This can be crucial to protecting the business’s financial future in case a driver is determined to be at-fault.
Limit the Number of Drivers & Passengers

Designating a driver for a particular vehicle can help you manage your company’s exposure. In addition, most business car insurance strictly prohibit riders, so be certain any passenger is covered by your business insurance.

Be Prepared for the Worst Case Scenario

No one expects to be in an accident but commercial trucks and cars are involved in collisions every day. If you plan for the worst case scenario, you’ll have the peace of mind of knowing you’ve done your part.

Insure Your Equipment for Replacement Cost

Before you purchase commercial auto insurance, determine what equipment or portable electronics may be stolen or damaged if an incidence does occur. That way your business will have the money when it is needed to replace any important tools of the trade.

Consider Your Needs for Towing & Repair

You can often save money in the long run if you add insurance coverage for towing and repair services. This can be especially useful for service and delivery vehicles.

FAQ

Frequently asked questions

What types of business insurance do I need?
The types of business insurance you need depend on various factors such as your industry, business size, location, and the specific risks your business faces. Common types of business insurance include General Liability Insurance (protects against third-party injury or property damage claims), Professional Liability Insurance (also known as Errors and Omissions Insurance, protects against claims of negligence or failing to perform your professional duties), Property Insurance (covers physical assets against fire, theft, and other perils), and Workers’ Compensation Insurance (covers employees in case of work-related injuries or illnesses). Assessing your business’s specific needs can help determine the right mix of policies.
How much does business insurance cost?

The cost of business insurance varies widely based on factors such as the type of business, the industry it operates in, coverage needs, the number of employees, and the business location. For example, a small home-based business might pay significantly less for insurance than a manufacturing company with multiple employees and high liability risks. To get an accurate estimate, it’s best to obtain quotes from multiple insurance providers, detailing your business’s specific needs and risks.

Can I change my business insurance policy once it's in place?

Yes, you can change your business insurance policy. It’s important to review your coverage regularly, especially as your business grows or changes, to ensure that you remain adequately protected. You might need to increase your coverage, add new policies, or adjust existing ones due to changes in your business operations, expansion into new areas, or the acquisition of new assets. Contact your insurance provider to discuss any needed adjustments; they can guide you on the process and any potential impact on your premiums.

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