Commercial Auto Insurance

Commercial car insurance can help your company avoid some of the financial strain associated with a car accident. Contact Iten Insurance Agency in Davie, Port Orange and Palm City, Florida, to build a customized commercial auto insurance policy to help meet your organization’s needs.  

Who Needs Commercial Car Insurance? 
Florida-based companies using vehicles in everyday business must carry at least the minimum liability coverage and personal injury protection (PIP) required by the state.  

If your company leases or finances vehicles, your lienholder also requires you to carry full coverage commercial auto insurance, including comprehensive and collision insurance. They may also require you to purchase gap insurance.  

What Does Commercial Car Insurance Cover? 
Your agent may recommend numerous commercial auto insurance policies and endorsements depending on your liabilities and exposures, including: 

• Liability insurance to help cover third-party bodily injury and property damage liability
• Collision insurance to help pay for damage to company vehicles from collisions with other vehicles or objects 
• Comprehensive insurance to help pay for damage to company vehicles resulting from covered events other than collisions, including fires, vandalism, weather or theft 
• Gap insurance to help cover the “gap” between the amount you owe on a company vehicle and the settlement from your insurer after an accident renders the vehicle a total loss 
• Personal injury protection (PIP) to help cover medical expenses resulting from a covered injury 
• Uninsured/underinsured motorist insurance to help cover damage to company vehicles following accidents with drivers who lack appropriate coverage
• Hired and non-owned auto insurance (HNOA) to provide coverage for leased, personal and rented vehicles used by your company  

How Does Commercial Car Insurance Work? 
Commercial car insurance helps cover your company’s legal liability if a company driver was at-fault in an accident causing third-party property damage or injuries. Depending on your coverage, commercial auto insurance may also help pay for damage to your company’s vehicles.  

Personal auto insurance policies may not cover accidents that occur while using a personal vehicle for business reasons. If you or your employees drive personal vehicles for work purposes, you may need hired or non-owned auto insurance (HNOA) coverage to protect the vehicle’s owner and your business.  

Contact Us 
Contact Iten Insurance Agency today to get a personalized quote for commercial car insurance.