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Florida Business Auto Insurance Overview

There are many reasons why you may want to get commercial auto insurance in Florida.





Here are a few of the most common ones.

Florida is a state that is known for its beaches, theme parks, and the Everglades. It also has a thriving economy that includes agriculture, tourism, and commercial fishing. Commercial auto insurance in Florida is necessary for many businesses in order to protect their employees and assets from potential liability.


The two types of commercial auto insurance in Florida are General Liability and Physical Damage Liability. General Liability covers your business against lawsuits and other claims brought on by third parties. Physical Damage Liability covers your business against damage to vehicles or property caused by the company's vehicles or equipment.


Commercial auto insurance protects your business from financial losses that would occur if one of your vehicles is involved in an accident. It also provides protection for other vehicles and property damage that may result from an accident.

Commercial auto insurance is very important for any business, especially if you have employees who use company-owned cars or work on company premises. The law requires that all businesses carry this type of coverage for any vehicle used by employees during the course of their duties, even if they are not compensated for their use of the vehicle.


The more employees you have, the more important it becomes to carry commercial auto insurance because it can cover a broader range of accidents and injuries. Insurance companies often offer discounts for groups of employees with a certain number who are present at the same time.



Florida is a state in the southeastern region of the United States. It is the 27th most populous state and third largest by area.

The Florida Department of Financial Services regulates insurance in Florida. In order to get a business auto insurance policy, you need to have an active license and maintain a good driving record.


The minimum coverage for your vehicle is $10,000 for injury or death of one person and $20,000 for injury or death of two or more persons in any one accident. If you are transporting hazardous materials then you need to have at least $5,000 in coverage for property damage. This is generally not enough coverage for a business and should be avoided at all costs. This minimum is just a minimum and could cost you greatly in a court of law.



The average cost of commercial auto insurance in Florida ranges from $2,000-$3,000 per year but can vary greatly.



Commercial auto insurance is a type of insurance that protects businesses from the financial consequences of a car accident.

There are many factors that affect the cost of commercial auto insurance. These include:


- The type and size of your business

- The number of miles you drive each year

- The value and make of your car

- Whether you carry collision coverage on your car

- Whether you carry liability coverage on your car

- Whether you have employees in your business or use leased cars



If you need to get a commercial auto insurance in the state of Florida, then you need to follow the below steps.


1. You need to find out if your business is required by law to have it or not.


2. If your business is not required by law, then you can decide whether or not you want it but it is recommended either way.


3. If your business is required by law, then there are certain requirements that must be met before you can get a policy approved.


4. There are certain types of vehicles that are exempt from this requirement and there are also certain types of vehicles that might qualify for a partial exemption as well, for example a Porsche used during the course of business for sales stops like estimates listed on the same policy as a Dump Truck.




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