How do we know if we must purchase a Florida commercial auto insurance policy? Some businesses require us to have a commercial policy. However, we can still get by with just our coverage. For example, if we do not drive over 100 miles per day, our insurance may cover us. These jobs may include social workers, party plan independent consultants, home health care workers.
Our policy will not cover our vehicle when we start using it solely for business purposes like:
- Making deliveries
- Allowing multiple drivers
- Transporting for business purposes
- Other business-related uses
That is when we need to get Florida commercial auto insurance. It will allow higher liability coverage for our employees and additional vehicles. In addition, we will have more excellent liability coverage and other protections not covered by a standard policy when we get a commercial auto policy. For example, commercial coverage will protect us and any employees we may have when driving other vehicles. Furthermore, it will save us even if our company does not own them. It can also cover additional items lost or destroyed in an accident as long as they are business-related.
Benefits of Florida Commercial Auto Insurance