Commercial auto, for vehicles that earn
The moment a vehicle is used for the business, a personal auto policy has a problem with the claim. This is the line that fixes it, and it is priced on radius, cargo and who is driving.
Sa sa touche
- Liability at business limits, commonly with a combined single limit
- Physical damage on owned units
- Hired and non-owned auto, for employees driving their own cars on your errands
- Cargo, where what you carry is the exposure
- Certificates of insurance issued the same day, because your customer is waiting on one
Filings and the paperwork that unlocks the job
Regulated operations carry filing requirements, and a general contractor or a municipality will ask for a certificate with specific limits and additional insured wording before you set foot on the site. Tell us what the contract demands and we will quote to that, rather than quoting a policy you then cannot use.
What moves the premium
- Radius of operation, which is the first question every underwriter asks.
- The driver list and their motor vehicle records, which is the single biggest lever you control.
- Vehicle class and weight.
- Years in business and prior loss history.
Hired and non-owned is the coverage small businesses forget
If an employee runs to the supply house in their own car and causes a crash, the plaintiff will look for the business. Hired and non-owned auto is inexpensive and it is the difference between a claim and a lawsuit against your company.
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Kesyon moun poze vre
Can I put my work van on a personal policy?
Sometimes, for very limited use. If the vehicle carries tools, wears your logo or visits customers, do not rely on it.
Work it out before anybody sells you anything
Four calculators that run in your browser, a page for every situation Florida puts people in, and the claims data for your own county. All of it free, and none of it behind a form. The form is for the other half of the job: when you have read enough and want a person on the phone.
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