Who Needs Commercial Auto Insurance?


General contractors, local contractors, and subcontractors are commonly required to carry commercial truck insurance by the various laws and businesses they work for.

The coverage your business need depends on the type of business you are in and the perceived risk associated with it. For example, a landscaping contractor will need more coverage than a real estate agent or business consultant. Your business location is also another factor that comes into play. For example, some states (like Florida) tend to award more in damages to plaintiffs claiming personal injury than others.

 

 

 

 

 

Electrician, Janitorial or Cleaning, Landscaping, Plumbing, Painting, Handyman, Roofing, Construction, Remodeling, Granite and Kitchen Installers, Pest Control, Carpenters, Floor Installers, Delivery, Restaurants, Food Trucks, Schools, Church, Car Wash and Detailing ad more.

 
Commercial auto liability coverage provides protection for any business-owned or leased commercial vehicle. Policies usually include collision and damage coverage as well as coverage for property and personal damage to others.

 

 

Just like you need auto insurance for your own car, you need business auto insurance to cover your business-owned or leased vehicles. If you, or any of your employees have an accident in your business's car, you may be liable for bodily injuries, lost wages or any damage caused.
 


Typical coverage includes


Bodily Injury Liability - Coverage for damages that involve bodily injury to others for which you become responsible under law.


Property Damage Liability - Coverage for damage to property of others for which you become responsible under law.


Medical Payments - Coverage for reasonable and necessary medical expenses and funeral services for those who are accidentally injured while in your automobile or while getting into or out of your automobile.


Personal Injury Protection - Coverage for medical, hospital, rehabilitation, loss of wages or loss of services costs resulting from injury to you or any resident family member. In case of death to the insured or a resident family member, death benefits and survivor benefits, if applicable, will be provided.

 

 

 
Additional coverage may include


Comprehensive - Protection for the loss of or damage to your vehicle and its equipment from all causes except collision, subject to the deductible on the policy.


Collision - Protection for the collision damage to your automobile and its equipment, subject to the deductible on the policy.

Uninsured Motorist - Coverage allows you to recover bodily injury damages due to an accident where the other party does not have insurance, and is found legally liable.


Underinsured Motorist - Coverage allows you to recover bodily injury damages due to an accident where the other party is found legally liable and does not have adequate liability limits.


Additional Expense - Coverage for necessary additional expenses incurred as a result of a loss for which you are protected under comprehensive or collision coverage. These expenses include rental cars, food, lodging and other incidental expenses.


Hired Auto Liability Coverage - Covers liability for automobiles hired under contract on behalf of or loaned to the named insured.
 

Hired Auto Physical Damage - Coverage for an automobile of any type, hired, borrowed or leased on a short term basis for use in the insured's business.


Employer's Non-Ownership Liability - Coverage for a private-passenger automobile used in the business of the named insured by any person, or the occasional and infrequent use of a commercial automobile in the business by any of your employees.

"We insure most types of small businesses, and we help them succeed despite the occurrence of misfortunate events that could very well put them out of business).

HOURS & LOCATION
LOCATION

115 Hickory St

Melbourne, FL 32904

Email us

 

Tel: (407) 603-8314

Fax: (321) 251-7720

HOURS

Monday - Friday 

8:30 am to 6: pm

Fill out this form
GET A FREE QUOTE!

© 2019 Melbourne Truck Insurance   >>>     Call us: (407) 603-8314