Commercial Auto Insurance in Delray Beach, FL & Port St. Lucie, FL
Businesses that use vehicles in daily operations can benefit from commercial auto insurance. This policy may cover cars, vans, trucks or any vehicle used for business purposes.
Features of a Commercial Auto Policy 
Insurers offer various customizable options depending on your business needs. However, most standard policies include the following:
- Liability coverage may compensate for third-party bodily injuries and property damage following an accident you caused. This may also pay your legal defense expenses if the incident results in a lawsuit.
- Collision coverage may pay to repair your vehicle after a crash.
- Comprehensive coverage may cover losses from non-collision incidents like theft, vandalism or severe weather.
- Uninsured/underinsured motorist coverage may pay for medical treatments, lost wages and vehicle repairs after an accident caused by an inadequately insured driver.
- Hired and non-owned auto coverage may cover vehicles you rent or employees’ personal vehicles used for work.
Who Needs Commercial Auto Insurance?
If your business owns, leases or uses vehicles for deliveries, transporting equipment or visiting clients, you likely need commercial auto insurance. Florida also mandates specific minimum coverage levels for vehicles used in business.
Factors to Consider Before Buying a Policy
Before choosing a policy, consider the number of vehicles, their type and how far they travel. Also, consider your budget and how much risk you’re willing to take on. Higher deductibles usually mean lower premiums, but also result in more out-of-pocket costs if something goes wrong. Compare quotes from multiple providers. Some policies may exclude certain types of use or limit coverage based on vehicle weight or classification.
Learn More
Palm Tree Insurance Agency helps business owners and fleet managers in Delray Beach, FL & Port St. Lucie, FL secure commercial auto insurance. Contact us today to get a quote.