Commercial Auto Insurance in Fort Myers, FL
Commercial auto insurance can help provide coverage for various incidents, including accidents, theft and non-collision-related damage. It is distinct from personal auto insurance, which typically does not cover vehicles used for business activities.
Choosing the Right Policy 
Selecting the right commercial auto policy involves assessing your company’s specific needs and risks. Working with an experienced insurance agent can help you navigate the options and find a policy that offers the best combination of coverage and cost. Regularly reviewing and updating your policy is also essential as your business grows and changes.
Factors Affecting Premiums
Several factors influence the cost of commercial auto insurance premiums in Florida:
- Type of vehicles—The make, model and age of the vehicles in your fleet can impact your premiums. Newer, more expensive vehicles typically cost more to insure.
- Vehicle usage—How and where the vehicles are used can affect premiums. Vehicles used for long-distance travel or in high-traffic areas may incur higher costs.
- Employee driving records—Clean driving records can help lower premiums, while a history of accidents or violations can increase costs.
- Coverage limits—Higher coverage limits provide more protection but also come with higher premiums. It’s important to balance adequate coverage with affordability.
Your agent can help you compare commercial auto insurance quotes from reputable Florida insurers.
Legal Requirements in Florida
Florida law mandates that all commercial vehicles carry a minimum amount of liability insurance.
Higher liability limits may be required for larger vehicles or those carrying hazardous materials. It’s crucial to ensure that your policy meets or exceeds these legal requirements to avoid penalties and ensure adequate protection.
Contact Us
Contact Unbeatable Insurance in Fort Myers, FL, for a personalized commercial auto insurance quote.