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

Thanks to Joe Boyle for saving me over $150 a month on auto insurance coverage. He went above and beyond to help me and make sure that I got the best rate and coverage possible!! Happy to be a part of the Fearnow Insurance family.. :)
Melissa Dufrene
19:16 05 Jun 23
Joe and his team has always done right by me. Knowledgeable and reliable.
Ricardo Quiñones
01:11 03 Jun 23
Joe did a great job at looking out for our best interest. He found us great coverage at a great deal. I highly recommend his service.
Berta Sanabria
22:24 02 Jun 23
I can’t say enough good things about Fearnow Insurance. Joseph Boyle was very responsive, thorough, and professional. I highly recommend this company.
A Westcarr
21:04 26 May 23
I can't say enough about Fearnow Insurance. I would give 100 stars if I could. My agent, Joe B, fantastic. Knowledgable, organized, everything done timely and correct, KIND, thorough, caring. He understood my needs, actually listened to me, got me a car policy to meet those needs, AND saved me a lot of money over my last policy.Fearnow Ins. highly highly highly recommended!!!
somanycats Rsava
21:01 26 May 23
Responsive and they listen. Assisted with home insurance and turned around and got a new auto policy as well.
Joshua Sheldon
13:58 24 May 23
Joe helped us out so much when our insurance left Florida & we were left searching for another provider. He was patient, knowledgeable & walked us through the entire process!
Amber Queen
14:41 16 May 23
Mr Lamarr Batittiste helped us with a quote, a lower premium and the necessary paperwork to change our insurance company. His knowledge of insurance and his extremely friendly attitude made the whole process a pleasure! We recommend him and already consider him a friend!
melody hendricks
21:32 11 May 23
I can't say enough about Joe Boyle with Fearnow Insurance. He quickly set me up with new homeowners insurance. He kept in touch with me and provided updates and was very pleasant to work with. I now have him reviewing my car insurance!!
Carol Maness
14:50 10 May 23
I’ve been with them for 8 years they are the best!
Juan Villagrana
17:58 06 May 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.

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