Commercial Vehicle Insurance2022-11-28T12:39:21-05:00

Commercial
Vehicle
Insurance

Commercial Vehicle Insurance

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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

Great agency! Joseph Boyles was helpful and easy to work with!
Bambi Adams
18:33 29 Sep 23
My experience with Fearnow Insurance and Joe Boyle was absolutely five star! From my first call to finalizing my homeowners insurance policy I was extremely pleased. Response time from Joe was really impressive. All of my questions were answered timely and I had quite a few of them along the way. He was very professional and made sure that I was comfortable with what I was signing and understood the policy and the coverage I was receiving. Unfortunately, our previous carrier was going out of business and we were on a time crunch with securing new coverage. He understood the sense of urgency and worked hard to make sure we were able to secure the coverage we were needed. I would highly recommend Fearnow Insurance to anyone looking to secure an insurance policy. In addition to my homeowners insurance I will also be reaching out to them to look into automobile insurance.
Gracie Praizner
20:26 27 Sep 23
If you need insurance Fearnow is the place to go! We've used Fearnow for the last few years and have built a great relationship with a lot of the staff but Jean Rodriguez takes the lead (I guess you can say she's our favorite agent). Recently we were having the hardest and most stressful time finding an insurance company for garage liability and sadly we were forced to shop with other agencies. Every company we spoke with said our current agent has clearly gone above and beyond for us and unfortunately couldn't help because Jean already approached the markets they were signed with. A day or two before our expiration date we had a quote with another agency. We sent the quote over to Jean to look over and Jean WENT TO WORK AGAIN and MADE IT HAPPEN!!! We appreciate Jean and the rest of the team at Fearnow and are so happy we can continue to have them on our team!! Thank You! Thank you! THANK YOU!!!!
Joshua Hernandez
17:12 27 Sep 23
Joe continues to provide excellent service! Earlier this year he helped with my mother's homeowner insurance by cutting the cost in half. Now he's helped with securing auto insurance for my daughter. He's very responsive & knowledgable. Highly recommend using Fearnow & Joe for your personal lines needs.
Amy Walker
01:04 23 Sep 23
Fearnow has handled our personal and commercial insurance needs for many years now and have always gone the extra mile to make sure we have our insurance needs taken care of!
All American Land Management LLC
20:10 22 Sep 23
Amanda Ball was AWESOME!!!!!!! Thank you so much!!!!
Mindy Polk
13:31 22 Sep 23
Gracias por Tu excellente servicio, Jennifer . Cada vez que hablo contigo es un placer, eres paciente y de verdad muestras interes en ayudar. Una clienta satisfecha.
Alejandra Del castillo
22:56 14 Sep 23
Highly recommend Fearnow Insurance and Daneen Stiles. She went above and beyond to keep me as a client. Explained all my options to me. Thank you!
Lori Rogers
13:32 12 Sep 23
Joe Boyle was able to help us out very quickly getting new Home and Car insurance after AAA decided to cancel us. Aside from getting this done in a day, it was cheaper as well. All this after we had been waiting for about 2 weeks, twice in a row by other "insurance agents" without as much a quote. Joe really killed it. Don't fear now, call Joe!
Maarten Huiskamp
22:23 11 Sep 23
Look no further for your insurance needs. As you all know, purchasing a home and finding a credible insurance agency can be stressful. Amanda Ball, went above and beyond answering any questions I had and guiding me through what I needed. She was so pleasant and easy to talk to. Highly recommended, she is my go to for all insurance needs!
Nicole Buchana
19:59 11 Sep 23

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.

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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.

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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

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Currency: USD