Commercial Vehicle Insurance2025-04-03T06:12:31-04:00

Commercial
Vehicle
Insurance

Commercial Vehicle Insurance

google rating and reviews graphic
fearnow bbb badge
angies list a rating badge
google rating and reviews graphic
fearnow bbb badge
angies list a rating badge

Quotes from 350+ Carriers:

progressive insurance
auto owners insurance
travelers insurance
nationwide insurance
liberty mutual insurance

Save up to 37% with Fearnow Insurance

Many businesses rely on a vehicle to transport goods, deliver inventory, or for other business operations.  Commercial Auto insurance can help you to not only protect your driver, but also your business.

Types of Vehicles Covered

Commercial Auto insurance is a necessity for any business that uses a car, truck, van, or SUV for commercial purposes.  Commercial Auto insurance also covers other types of commercial vehicles such as:

  • Commercial trucks, including but not limited to: semi-trucks, tow trucks, dump trucks, box trucks, refrigerated trucks, bucket trucks, flatbed trucks, etc.
  • Vehicles that are equipped with special equipment or machinery
  • Limousines and other hired vehicles
  • Taxis
  • Rental cars
  • Vehicles owned by a business or corporation
  • Vehicles used for ridesharing
  • Personal vehicles used for business purposes (such as a delivery driver)

What Our Customers Say

OUTSTANDING COMPANY! I would give it 10 stars if it was an option! We had been getting ripped off by our FORMER insurance company for many years. A friend at work recommend this Fearnow Insurance and Mr. Joe Boyle specifically. Within a few days, Joe not only found us a much better homeowners policy which is saving us over $5000.00 on our premium, he walked us through both policies (car and home) and made some MUCH NEEDED adjustments to our coverages and deductibles to ensure we are covered in case of an emergency. They are definitely experts in this field. We have never felt this comfortable about our insurance coverages and what we are spending on it. This was such an easy process and it's wild how fast we already have new policies. Thank you Joe Boyle!I will definitely be recommending this company to everyone I know.
Marvin Johnson
19:52 08 Jul 25
Great experience. Joe has been working hard to find me great coverage at a good price after my original policy kept increasing. He was able to do that, found me better coverage at a much better rate. I appreciate him working so hard! Highly recommend.
Kenny Collins
19:00 03 Jul 25
Is it even possible to submit a 5 million star review of sales agent, Mr. Joseph Boyle with Fearnow Insurance Inc ? Mr. Boyle is a highly skilled professional and even more remarkable has exceptional interpersonal qualities: very congenial and displays highly caring empathy.In my own case, I recently received a renewal policy correspondence from my former insurance provider indicating that I would be paying over three times as much for car insurance because I purchased a new all electric vehicle. After an in office consultation with Mr. Boyle, he was able to search for a bundled alternative that ended up saving me a considerably large sum of money.If you are considering changes in your insurance coverages, please do not hesitate to contact Mr. Joseph Boyle with Fearnow Insurance Inc. You will be very happy with the results.
William Rind
17:44 03 Jul 25
Kayla Peel worked diligently on my issue. She has gone above and beyond with my claim making sure I was always in the know as to what the next steps were on getting my insurance paperwork corrected. Kayla was super pleasant to engage with whether it be by phone, text or email. She was kind, polite and very understanding. She definitely is very detailed oriented and seems to be a great asset to Fernow insurance. She made sure I was well taken care of. If I could give more than 5 stars I would have given her 100 more ⭐️.
Joanne Amaro
12:24 27 Jun 25
Joseph Boyle is very personable and caring. He worked hard to find the right homeowners insurance policy for me taking price and coverage into consideration. I am confident I have found a great insurance agent that will continue to assist me year after year. If you have ever considered shopping your current policy, I would highly recommend giving Joe a call!!!
Lizabeth Pierce
00:47 29 May 25
Joe did an excellent job helping select the right policy for me quick and easy process thanks joe
Creed Fury
19:53 28 May 25
Thank you Matthew Wink for your awesome service with my homeowners insurance every year a true blessing to have with great company thanks again.
Jermaine Miller
19:31 28 May 25
BIG THANKS to Matt Wink for the support on my new truck. He's always been very helpful and pleasant to work with.
Lenny Campbell
16:07 28 May 25
I just wanted to thank Madrienne James at Fearnow for her outstanding service. She helped us save thousands on our insurance and I cannot thank her enough for her efficiency and hard work. I would recommend Fearnow to everyone!
Karen O'Malley
19:08 21 May 25
I've been a customer of Fearnow for about a year now...I started out with one home insurance policy with Fearnow and now I've transferred over all my policies to them. Joe has been incredible in helping me find the best prices for all my properties. He is very responsive to all my emails and questions and most importantly he is very thorough with everything. He doesn't miss a thing ! I feel confident in knowing that I am in good hand with Joe at Fearnow Ins.
Mindy
18:17 15 May 25

The Fearnow Agency Advantage

  • We work for you, not the insurance carriers, to ensure your claims are processed efficiently and are paid out quickly.
  • Unlike a single-company agency, we have access to over 100 carriers, so we’re never limited in the services we can provide you.
  • We can save you up to 37% in insurance cost, or get better coverage for the same cost.
  • We always provide full disclosure of plan inclusions and exclusions.
  • We offer customized plans tailored specifically to your needs, instead of forcing you into a pre-packaged solution that won’t really work for you.
  • Our agents are continuously training, so they stay the leading experts in their field.

Types of Coverage

Commercial Auto insurance provides similar coverage options as Personal Auto insurance but may provide higher coverage limits.  Commercial Auto insurance also takes into account special circumstances of business operations such as multiple drivers, equipment used for loading or unloading, specialty equipment or machinery, and the liability of not only the driver but the business as well.

Businesses are only required to maintain the minimum insurance requirements mandated by the State of Florida; however, because of the increased liability a company has when employing commercial vehicles, opting for additional coverage will help to prevent a single accident from dismantling your company.

Local & Family Owned

Offices serving the local Tampa, FL and Wilson, NC areas for almost 30 years!

Competitive pricing nationally with world-class customer service!

Commercial Auto Insurance Coverage Types:

Property Damage Liability:  This coverage pays for damage your driver may cause to someone else’s property.  Usually, this means damage to someone else’s car, but it also includes damage to lamp posts, telephone poles, fences, buildings, or other structures your company vehicle hits.

Personal Injury Protection (PIP) or Medical Payments This coverage pays for the treatment of injuries to the driver and passengers of the policyholder’s car.  At its broadest, PIP can cover medical payments, lost wages, and the cost of replacing services normally performed by someone injured in an auto accident.  It may also cover funeral costs.  Many carriers will also allow you to purchase additional Medical Payment coverage.

Comprehensive Coverage:  This coverage reimburses for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals, such as a bird or deer.

Collision Coverage This coverage pays for damage to your car resulting from a collision with another car, object, or as a result of flipping over. Even if your driver is found to be at fault for the accident, your business Collision coverage will reimburse your company for the cost of repairing your company vehicle, minus the deductible.  If you’re not at fault, your insurance company may try to recover the amount they paid for repairs from the other driver’s insurance company.  If they are successful, you’ll also be reimbursed for the deductible.

Uninsured and Underinsured Motorist Coverage:  This coverage will reimburse your company if your driver is hit by an uninsured or a hit-and-run driver.  If the driver of the other vehicle only carries the minimum required insurance, the $10,000 Property Damage Liability coverage may not be enough to replace your commercial vehicle if it is totaled in the accident.  Underinsured Motorist coverage will help bridge the gap between the other driver’s insurance coverage and the damage to your commercial vehicle.  Florida is ranked as one of the worst states for uninsured drivers, so consider heavily on whether or not to opt for this additional coverage.

Coverage for autos you borrow or rent Liability increases when you rent, hire, or lease a car for your business.  If your business often borrows vehicles for commercial use, make sure to include this coverage to protect your driver and your company against injury and liability.

Coverage for employees using their cars for the business:  If an employee uses their personal car to make a delivery or pick up supplies, then their Personal Auto insurance will not cover any damages or liability in the event of an accident.  Personal cars used for business purposes, even if it does not occur often, need to be covered under Commercial Auto insurance.  The only exception is when an employee drives to and from work – Personal Auto insurance handles accidents that occur during daily travel.

Commercial Vehicle Insurance | Easy Online Quote | Trusted for 30 Years

Commercial Vehicle Insurance Quote from Fearnow Insurance. Commercial Auto protection that saves you money. 30 Years of serving Tampa, Brandon, Seffner area

Service Type: Commercial Vehicle Insurance

Price: $$

Currency: USD