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WHAT IS COMMERCIAL AUTO INSURANCE?

If a small or medium-sized business relies on vehicles, auto insurance is necessary to protect them, including cars, trucks, etc. It protects your business vehicles from liabilities from accidents, property damage, injury, and unforeseen threats. The coverages for business vehicles range from comprehensive to hired/non-owned vehicles. Commercial auto insurance ensures your business operations run smoothly after any unforeseen situation.

WHY DO I NEED AN INSURANCE FOR MY COMMERCIAL AUTO?

To operate your business legally, many states require commercial auto insurance, ensuring compliance with regulations and avoiding penalties.

It keeps your business running smoothly by covering financial setbacks from unforeseen incidents or accidents and minimizing disruptions.

Comprehensive commercial auto insurance demonstrates your commitment to clients, building trust and credibility for your business.

It protects valuable assets such as vehicles against liability, damage, and other potential threats, securing your investments.

Commercial auto insurance acts as a safety net, reducing the risks of running small or medium-sized businesses and ensuring financial stability.

What Types Of Commercial Auto Can I Insure With Orbit Insurance Services?

Commercial Car INSURANCE

This is ideal for businesses using vehicles for sales, client visits, or deliveries. Our brokers help find policies to protect against accidents and theft.

Whether storing goods or equipment, commercial trailers need coverage. Our services connect you to the right insurance, protecting your trailers.

Specialized insurance is needed for businesses transporting people. Our team helps find comprehensive solutions for passenger and vehicle safety.

This is perfect for businesses needing extra cargo space. Our agency connects you with carriers to ensure your commercial vans are covered.

From light-duty pickups to heavy haulers, our agents secure comprehensive insurance for business trucks, protecting your assets.

WHAT COVERAGE CAN I GET FOR MY COMMERCIAL AUTO ?

Liability Coverage

This policy protects your business from financial losses against claims if your vehicle causes damage or injury to a person or their property.

Collision Coverage

It helps cover repair and replacement costs if your commercial auto is damaged from colliding with objects, property, or other vehicles.

Comprehensive Coverage

It keeps your business running without pause! It protects against non-collision accidents like theft, vandalism, or weather-related damage.

Uninsured/Underinsured Motorist Coverage

This coverage protects your business from costs arising from accidents with uninsured drivers, ensuring complete protection.

Medical Payments Coverage

Provides financial protection for you and your passengers against medical bills, ensuring necessary healthcare without draining business funds.

Personal Injury Protection (PIP)

It goes beyond traditional MedPay insurance, covering medical expenses, lost wages, and funeral costs, keeping your business stable.

Roadside Assistance

Provides immediate help for breakdowns, flat tires, or lockouts, ensuring smooth business operations without interruptions.

Rental Reimbursement Coverage

It covers rental costs while your vehicle is being repaired, an innovative feature within commercial car insurance options.

Cargo Coverage

Protects the goods you transport against loss or damage, which is vital for businesses delivering safe cargo.

Hired Auto Coverage

It covers rented, leased, or borrowed vehicles used for business and acts as a safety net for temporary wheels.

Non-Owned Auto Coverage

Protects when your team uses personal cars for work errands, covering damages and accidents.

Trailer Interchange Coverage

Ensures borrowed trailers are protected under your watch, covering accidental physical damage caused by your company.

WHY IS ORBIT THE BEST CHOICE FOR COMMERCIAL AUTO INSURANCE?

Excellent Customer Service

Get Free Quotes

Multiple Convenient Locations Near You

Get Discounts

Affordable Premiums

HOW MUCH DOES COMMERCIAL AUTO INSURANCE COST?

The average amount is between $750 and $2000 annually. However, the costs may vary depending on several factors, such as your business type. Insurance providers mainly consider the following:

 

Vehicle Type

Coverage Needs

Coverage Limits

Business Size

Nature of Operations

WHAT ARE THE REQUIREMENTS FOR COMMERCIAL AUTO INSURANCE?

Proof of Insurance

As a business, you need proof of insurance and be ready for traffic stops, accidents, or vehicle paperwork.

Minimum Coverage

This is the legally required insurance, usually liability coverage, protecting you if your vehicle causes harm to others or their property.

Additional Coverage Options

Extra layers of protection include collision, comprehensive, underinsured/uninsured, medical pay, and personal injury protection coverage.

Driver’s License and Records

Ensure all drivers have valid licenses and clean driving records to enhance safety and possibly lower insurance costs.

Vehicle Registration

Register your business vehicles with the state. The state often requires proof of insurance, especially for larger or specialized vehicles.

Payment of Premiums

Paying your insurance premiums is crucial to keeping your policy active and protecting your business vehicles.

Risk Assessment and Management

Insurance companies assess your business's risk, considering your vehicles and their usage.

HOW IT WORKS

EXPLORE

Explore our affordable commercial auto insurance solutions customized to your business needs and find the cheapest one with ORBIT today!

Connect

Our dedicated team of experts is available 24/7 to help you find budget-friendly coverage options.

Compare

Compare different insurance quotes from various providers to decide on the one offering the most value for your money.

GET A FREE COMMERCIAL AUTO INSURANCE QUOTE

Get a free commercial auto insurance quote today with us. Our expert insurance brokers are dedicated to guiding you through the maze of options and providing personalized advice tailored to your unique business needs. We have your back if you search for the most competitive commercial car insurance quotes!

FREQUENTLY ASKED QUESTIONS REGARDING COMMERCIAL AUTO INSURANCE

Ans) Absolutely! Our commercial auto insurance carriers have your back, covering your valuable vehicles and the precious cargo they transport.

Ans) Yes, we do! Whether you've got vans, trucks, or trailers of any size, we offer tailored coverage with top-notch carriers to suit each type of vehicle. We have diverse insurance solutions for every commercial vehicle.

Ans) Of course! As your business grows, so can your insurance. Adding more drivers or vehicles to your policy is simple. While you expand the team, the fleet and your people stay fully protected.

Ans) Indeed! If a bump in the road leads to accidents or injuries with your business vehicles, our policy options cover personal liability.

Ans) Definitely! Whether your commercial vehicles are leased, rented, or owned, we've got a policy that fits. It's all about ensuring your business wheels are covered, no matter how they come into your hands.

Founded in 2022, Orbit Insurance Services is a licensed agency proudly serving Florida residents with reliable insurance coverage.

#240, Boca Raton, FL 33487-2840