Commercial auto insurance is liability and physical damage protection for vehicles, such as cars, trucks and vans, that are used for business. Commercial vehicles require a separate policy because they’re typically exposed to more risk than personal vehicles. Commercial auto insurance isn’t just for industrial vehicles like semis or dump trucks. For example, businesses that use a car to run errands, carry tools or transport clients might also need a commercial auto policy.
Selecting commercial vehicle insurance coverage that meets your specific needs is vital to protecting your business and income. A commercial auto insurance quote typically includes:
We can also adjust your policy to reflect seasonal changes to keep your rates low and your coverage steady.We also provide special benefits including customized coverages, competitive rates, discounts, exceptional claims service and more.
We can shop many insurance companies to find options to help you save money on commercial auto insurance. Our companies offer flexible and convenient benefits and payment options, so you can focus on what matters most – your business. Here’s just a few of the many advantages of having commercial through Sun Coast:
Here to help you with any questions you may have.
Have a unique scenario? We will do what we can to set you up in the best way possible.
In most states, travel as much as needed to get your job done.
Includes cars, light trucks, SUVs, vans and more. Business auto insurance customers enjoy advantages including discounts and access to network shops throughout the country.
From dump trucks to tractor trailers, we have the experience you're looking for.
We cover a wide range of commercial trailers ranging from pickup truck utility trailers to large dump body trailers pulled by a tractor.
You need commercial auto insurance for any vehicle that your company uses for business purposes, any vehicle that has a commercial license plate or tag, and any vehicle that is registered as a commercial auto.You must also get commercial auto coverage if your employees will be driving or using vehicles in the course of doing business, whether making deliveries, driving people to the airport, or running errands on behalf of the business.
The national average monthly cost for commercial auto insurance shows the coverage to be very reasonable, but remember, your policy will be based on your business, drivers, and vehicles.
Business Auto - such as cleaning services, restaurants and shops - have an average cost of $165 a month.
Contractors - such as carpenters, electricians, landscapers and painters - have an average cost of $164 a month.
These averages are based on new industry premiums for commercial auto policies that met the following criteria:
Remember that these are averages and not necessarily what you’ll pay. The only way to know your exact cost is to get a quote. Just call us or start a custom quote online.
Several risk factors contribute to your premium including your profession, coverage needs, vehicles, drivers, driving history and location. Learn more about what influences your cost and what you can do to get the cheapest commercial auto insurance.
Yes. While personal auto insurance doesn’t cover a vehicle if it’s being used for business purposes, commercial auto insurance covers your vehicle for both commercial and personal use.
An accident doesn’t affect the rate of your current policy, but it could affect your rate when your policy is renewed. Your policy is rewritten every time it expires to reflect your current situation. Accident-related rate changes are determined by various factors such as who was at fault, the cost of the claim and your accident history. So, accidents are considered when determining your rate, but an increase isn’t guaranteed.
Maybe. Deductibles apply whenever your policy’s collision or comprehensive coverages are used, regardless of who is at-fault. If the at-fault party was insured, we’ll attempt to recover your deductible from their insurance company. If they didn’t have insurance, we’ll attempt to collect it directly from them. Either way, the process of recovering your deductible from the other party is called “subrogation”.
Yes, most likely. Most personal auto insurance policies won’t cover losses that occur while delivering for a fee. This includes pizza delivery and most other delivery services. If you don’t have a commercial policy on your vehicle and you get into a work-related accident, your claim might be denied and you could be held personally responsible for the damages. A commercial auto policy can prevent this from happening.
We have many options to help you save money on business auto insurance. Our programs offer flexible and convenient benefits and payment options, so you can focus on what matters most – your business. Here’s just a few of the many advantages of having commercial insurance through Sun Coast:
Sun Coast Blog is your go-to guide for the right insurance for you.
A quick guide on who needs to be on your policy: everyone that drives the vehicle.
Get a policy that is the perfect fit for your business.