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business auto insurance

Exceptional coverage for your cars, trucks and other vehicles

business auto insurance

Exceptional coverage for your cars, trucks and other vehicles

BUSINESS AUTO INSURANCE EXPERTISE 

We offer premium auto coverage options for your commercial vehicles with our business auto insurance. Businesses of any size can benefit from having this coverage. We’ll help you get on the right track! Our team of professionals is experienced in knowing what kind of coverage your business needs to operate legally and safely. You can do this when you select adequate business auto insurance coverage with us. We value each of our clients and want to make sure they are protected while on the road. Don’t let an accident cause significant delays in the operation of your business. Get started with Biscayne Risk & Insurance Group by clicking here for a quote.

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Phone
561-571-1001

Email
hello@biscaynerisk.com

START YOUR QUOTE

BUSINESS AUTO INSURANCE EXPERTISE

We offer premium auto coverage options for your commercial vehicles with our business auto insurance. Businesses of any size can benefit from having this coverage. We’ll help you get on the right track! Our team of professionals is experienced in knowing what kind of coverage your business needs to operate legally and safely. You can do this when you select adequate business auto insurance coverage with us. We value each of our clients and want to make sure they are protected while on the road. Don’t let an accident cause significant delays in the operation of your business. Get started with Biscayne Risk & Insurance Group by clicking here for a quote.

WHAT DOES BUSINESS AUTO INSURANCE COVER? 

It’s imperative that a business that utilizes company vehicles ensure that each vehicle is covered with business auto insurance. This type of protection covers liability, property damage, and medical costs if you are involved in an accident. When you are covered with business auto insurance you can expect higher insurance limits that will make it easier to replace damaged tools or equipment inside the damaged vehicle. It also helps to get your vehicle repaired so you can get back on the road and continue your service. Give us a call today to ask a team member about our coverage options. We tailor our coverage to fit your business’s needs. Click here to get started.

WHO NEEDS BUSINESS AUTO INSURANCE? 

Generally, business auto insurance is for anyone that uses a vehicle for business purposes. There are cases in which this type of insurance is mandatory. Business auto insurance is required in certain states for commercial use. According to federal law, business auto insurance is also mandatory for commercial vehicles that are crossing state lines.

HOW MUCH DOES BUSINESS AUTO INSURANCE COST? 

Several factors will determine how much you’ll pay for coverage: history of claims, number of vehicles requiring coverage, vehicle stats (make, model, and year), cost of new vehicle, driving record for drivers, and the vehicle’s intended purpose and use. You can read more about costs by clicking here. Contact us today to speak with a team member that can help you get a quote for your business. Click here to begin.

WHAT TYPES OF VEHICLES NEED BUSINESS AUTO INSURANCE? 

It’s recommended and sometimes required (state laws differ) to have business auto insurance for any car, truck, van, or other vehicles that you will use for work purposes. Some states require business auto insurance whether it’s a personal vehicle that you use for work purposes or a dedicated work vehicle. These types of businesses will benefit from having business auto insurance: home car wash business, car rental, auto repair, limousines, food trucks, delivery services, moving companies, taxis, trucking services, locksmiths, child care services, religious service vehicles, beach services, etc.

HOW DO I GET BUSINESS AUTO INSURANCE IN FLORIDA? 

It’s recommended and sometimes required (state laws differ) to have business auto insurance for any car, truck, van, or other vehicles that you will use for work purposes. Some states require business auto insurance whether it’s a personal vehicle that you use for work purposes or a dedicated work vehicle. These types of businesses will benefit from having business auto insurance: home car wash business, car rental, auto repair, limousines, food trucks, delivery services, moving companies, taxis, trucking services, locksmiths, child care services, religious service vehicles, beach services, etc.

COMMON TYPES OF CLAIMS

It’s estimated that around 6 million car accidents happen every year in the United States. That’s 6 million reasons to make sure your vehicles are adequately insured. These are the most common type of accidents:
      • Windshield damage – Spending a lot of time on the road means that there’s a higher chance an accident could happen. Windshield damage is one of the most common types of accidents. It’s not unusual for a dump truck carrying gravel to hit a bump and send a rock flying down and hitting your windshield. However, it’s an easy fix when you have comprehensive coverage for your work vehicles.
      • Rear-end crash – You’ll want to have collision insurance when your work vehicle is involved in an accident where you hit the back of another vehicle.
      • Parked vehicle damage – Collision coverage is a good option for covering knicks, scrapes, and other damage that can happen to your vehicle when it is parked. However, a hit-and-run would most likely fall under uninsured motorist coverage. If you’re not sure which coverage you need, feel free to reach out to a team member by clicking here.
      • Hail damage – Weather damage can be just as unexpected as other vehicle accidents. If your vehicle incurs hail damage you should have no problem repairing it with comprehensive business auto insurance coverage.
      • Car crash involving one vehicle – This involves your vehicle veering off the road, hitting a tree, or rolling over. In these instances, it could be a mechanical failure. If not, collision coverage will be needed to repair the damage to your vehicle.
      • Multi-vehicle crash – A multi-car crash can occur on interstate or less populated roadways. It happens when one vehicle slams into the back of another and a chain reaction occurs in which multiple vehicles hit each other. This can be a difficult situation for pointing out the cause of the crash, but collision coverage can be a big help in this situation.
      • Vehicle theft – No one wants to walk outside and discover that their vehicle has been stolen. However, if you have comprehensive coverage, you will most likely receive the amount of the vehicle’s value (minus the deductible). This coverage will have you back on the road and continuing the operation of your business sooner rather than later.

BUSINESS AUTO

INSURANCE ADVICE

One of our professional risk advisers will review your specific business auto insurance needs and present you with customized options. There is no obligation – just expert advice.

TRENDING ARTICLES

HOW CAN WE SERVE YOU?

CALL | 561-571-1001

EMAIL | hello@biscaynerisk.com

BUSINESS

AUTO INSURANCE

ADVICE

One of our professional risk advisers will review your specific business auto insurance needs and present you with customized options. There is not obligation – just expert advice.

TRENDING ARTICLES

HOW CAN WE SERVE YOU?

CALL | 561-571-1001

EMAIL | hello@biscaynerisk.com