Do You Need a Commercial Auto Policy?
Author: The Massey Clark Fisher Team | Tuesday, Jun 12, 2012
Sometimes there’s a fine line between Florida commercial insurance and automobiles. Do you have employees driving company cars? Or do you have a pizza shop with delivery guys using their own vehicles? It’s hard to determine sometimes when a commercial auto policy is needed. Trucking companies and other businesses where driving is the main purpose definitely need extensive commercial policies covering the drivers and the vehicles they drive. It’s obvious in their cases, but not as easy to determine in other cases.
Depending on how often, how far and who’s involved with auto travel, you might need a commercial policy. If your employees transport goods or people for a fee or if you use your auto to conduct a service, you may need a commercial auto insurance policy. If you send your employees to pick up clients at the airport, you might need a commercial policy. You may also need a commercial policy if your employees are moving any of your company’s goods from one place to another. You will want your employee and your goods covered if they are involved in an accident.
You also might need higher limits of liability due to the nature of your work. If employees are on the road most of the time, they are at a greater risk of an accident. Their personal insurance coverage may have low limits and may not cover business related travel either. Commercial policies can afford you higher limits of coverage than a typical personal policy could cover.
Also, if your employees carry a significant amount of work related tools or equipment in a vehicle, you will want to have a commercial policy in place to cover those things. Anything that may be excluded from a personal policy should be covered under your Florida commercial insurance policy. Talk to your agent today to see if you need additional coverage.