A vehicle collision is never good news, but when it’s one of your business’ cars or trucks, the consequences are more complicated. Business auto insurance, also called commercial auto insurance, takes all the elements of normal auto coverage and adds on extra protection.

For example, when obtaining commercial car insurance you can usually get much higher liability coverage to reflect the fact that a business typically has more assets at risk than an individual would. Additionally, with commercial auto insurance, you can get collision insurance. This type of coverage pays out for damage to your commercial car or truck no matter who caused the collision–a protection that’s often a must if you lease or finance commercial vehicles.

As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel — liability, collision and comprehensive, medical payments (known as personal injury protection or PIP) and coverage for uninsured motorists.

In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the “principal insured” rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Whether you have one vehicle or a whole fleet, we can help you implement custom coverage that will protect your business and personal assets from the additional exposure that commercial vehicles bring with them.

Free Quote

Use the form below to request a free commercial auto insurance quote. We’ll shop for the best coverage options and rates for you.

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With hundreds of satisfied South Florida clients, Ezzi Insurance Advisors is here for you & your family.

Why Do You Need Commercial Auto Insurance?

If you are a business owner or self-employed professional and your car or truck is owned by the business or is leased by the business, you must have a commercial auto policy under Florida law.  If you permit your employees to use the vehicle for business purposes, again you want a commercial policy to protect your business from the liability of potential lawsuits and claims based on their use of the vehicle.

If you are a typical small business, you have probably purchased a Business Owners Policy or BOP. Commercial auto coverage is NOT automatically part of a BOP and must be added at an additional cost.  If you have covered your business with a Commercial Multi-peril Policy (CMP) or Commercial Package Policy (CPP), this usually includes commercial auto or fleet coverage, depending on what the company has for vehicles and how the employees use the vehicles.

Get a Free Quote

Use the form below to get a free quote for your car insurance. You’ll be glad you did.

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