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Commercial Automobile Insurance
If your business owns a car or truck, or a fleet of vehicles, you need Commercial Automobile Insurance. Bradenton Insurance offers a variety of coverage for your business. Below is some of the coverage available, however, we recommend you consult with us for more information and advice on what coverage will best fit your business.
 Bodily Injury Liability:
You are covered if you have caused injury or death to someone else.
Property Damage Liability:
You are covered if you have caused damage to another person's vehicle or property.
Personal Injury Protection:
In those states that have "no-fault" insurance, this coverage will generally pay for medical benefits, lost wages and a death benefit in case of an accident involving your automobile, without regard to who caused the accident. Florida’s “no-fault” law requires $10,000 coverage minimum, which may apply to medical expense, loss of wages and death benefit.
Uninsured Motorist Coverage:
If you or a passenger is injured in an accident, this coverage will pay the medical bills, if the driver who hit you is not insured for Bodily Injury Liability.
Underinsured Motorist Coverage:
If you or a passenger is injured in an accident, this coverage will pay the medical bills, if the driver who hit you does not have sufficient Bodily Injury Liability Coverage.
Hired Automobile Coverage:
Provides liability coverage for automobiles that your business leases, rents or borrows for business purposes. For example, your business might rent an additional delivery van for a week in order to catch up on a backlog of deliveries. This is an optional coverage.
Non-Owned Automobile Coverage:
Provides liability coverage for automobiles not owned, leased, hired or borrowed by your business but nevertheless used on behalf of your business. For example, your employee uses his or her personal automobile to make a sales call or a delivery on behalf of your business. This is an optional coverage.
Comprehensive Damage:
Provides coverage to your vehicle for damages other than by collision, including theft, vandalism, impact with birds or animals, explosion, fire, flood, windstorm and glass breakage. A broad range of deductibles can be selected for this coverage. This coverage is not required by law but is generally required by your lender if you have an outstanding loan on the vehicle.
Collision Damage:
Provides coverage for damage to your vehicle caused by collision with another vehicle or object. A broad range of deductibles can be selected for this coverage. This coverage is not required by law but is generally required by your lender if you have an outstanding loan on the vehicle.
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