Commercial Auto Insurance
Seaman’s Insurance Group is Florida’s Premier Boutique Independent Surety Bond and Insurance Agency. We specialize in Commercial Auto Insurance. Our access to Commercial Auto Insurance carriers in Florida in unmatched.
Seaman’s Insurance Group is your expert for help with Commercial Car Insurance for Jacksonville, St. Augustine, Saint Johns, FL and the entire state of Florida.
Many business owners use the same vehicle for both business and pleasure. If the vehicle is owned by the business, you will want to make sure the name of the business appears on the policy as the principal insured as instead of your personal name. This will help avoid possible confusion and issues in the event that you need to file a claim or a claim is filed against you.
Whether you need to buy a business auto insurance policy will depend on the kind of driving you do
While the major coverages are the same, a business auto policy differs from a personal auto policy in many important ways.
Business Auto Insurance
We are here to help you navigate the vast sea of insurance options and put together the coverage that is right for your business auto insurance needs. Business Auto Insurance / Commercial Auto Insurance in Florida includes standard and optional coverages which may include the following:
Liability Coverage: This part of your Business Auto / Commercial Auto / Fleet insurance policy provides protection against legal liability arising out of the ownership, maintenance or use of an insured auto. Damages for bodily injury or property damage for which the insured is legally responsible is covered. In addition to the payment of damages, the policy also covers legal defense costs.
Medical payments: This covers reasonable and necessary medical and funeral expenses incurred by an insured because of bodily injury or death caused by an accident within you Business Auto / Commercial Auto / Fleet insurance policy. Different limits may be available.
Uninsured / Underinsured Motorist: This covers bodily injury to an insured who is injured by an uninsured motorist / underinsured, a hit-and-run driver or a driver whose insurer becomes insolvent as a part of your Business Auto / Commercial Auto / Fleet insurance. Different limits may be available if you decide to include this coverage in your policy.
Non-owned autos: Coverage is optional as a part of Business Auto / Commercial Auto / Fleet insurance policies. Provided only for automobiles not owned, leased, hired, or borrowed by the named insured. Coverage is intended for autos owned by the insured’s employees or members of their households, but only while used in the insured’s business or personal affairs.
Hired auto: Another optional coverage as a part of a Business Auto / Commercial Auto / Fleet insurance policy covers leased, hired, rented, or borrowed automobiles for use in the insured’s business.
If your business owns and operates three or more vehicles as part of its daily operations, you may be eligible for a fleet insurance policy. Fleet policies are similar to a commercial auto policy that covers many vehicles at the same time.
Industries that can benefit from fleet insurance coverage include but are not limited to:
Construction companies (which may include construction vehicles like bulldozers)
Vehicle rental companies
Any other company that operates a fleet of vehicles
Fleet Insurance Commercial Insurance
Fleet Insurance Commercial Insurance vehicle policies are a major part of fleet insurance, they cover the vehicles themselves against damage and loss.
What does a Fleet Insurance Policy cover?
The main component of fleet insurance is its blanket coverage of vehicles and employees. The main answer to what does a Fleet Insurance Policy cover? Is that any employee listed on the policy will be insured while driving any vehicle in your fleet unless they’ve been specifically excluded from the policy. This is ideal for companies where vehicles frequently have different drivers.