Commercial Vehicle Insurance2022-02-01T10:45:43-05:00

Commercial
Vehicle
Insurance

Commercial Vehicle Insurance

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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:

It has been a great pleasure working with Joe. He is very thorough and professional. He goes the extra mile and takes care of all the details. Joe is my agent for both homeowners and auto insurance. I have saved over $600 on auto alone. I appreciate his knowledge and his communication skills. He has exceeded my expectations. I look forward to working with him in the future. I recommend Joe for all insurance needs, he's a great agent.
Dan Standish
18:05 25 Sep 22
Thank you Joe for being so transparent, and thorough when explaining the best policies in such a tough market. You made this process so smooth!
Charli Shea
19:52 22 Sep 22
Joe is knowledgeable, professional and saved me money! Give Fearnow a call! You won’t be disappointed!
Marsha Kingery
21:01 21 Sep 22
Joe provided OUTSTANDING customer service, had great communication, and saved me a bunch of money. Highly recommended!
Eric Werbeck
22:09 20 Sep 22
Joseph Boyle really took care of me top notch aces all the way. He helped me work around problems on my end and is very knowledgeable, kind and professional. He found the best insurance for the best price for me. I couldn’t ask for better service. Add an extra star ⭐️!!!
Philip Lee
17:10 24 Aug 22
Joe Boyle was amazing. He made it so easy and effortless to get everything taken care of in a timely manor.
George Baierlein
18:49 16 Aug 22
Joseph Boyle was amazing! He made it super easy for me to switch my auto insurance over.
Jennifer Martinez
15:28 13 Aug 22
OMG!!! Smiling faces and nice people! Lamarr was very professional and able to save me a great amount on my car insurance. I would recommend this insurance agency! Thank you 😊
Frank Reichart
17:18 09 Aug 22
Michelle is always extremely helpful. As a new renter, she explained everything to me and made the process as easy as possible. She is also super quick to respond. I have never had any issues. Highly highly recommend!
Zoe Wallace
13:43 05 Aug 22
Outstanding customer service from Joe Boyle. He was able find me a home owner’s insurance couple of months before my non-renewal/expiration date. Since we were not in the 30 day window for binding, he set up a calendar invite to do the paperwork within that window. Just completed everything. He maintained excellent communication throughout this process which is hard to come by these days. I am more than happy to recommend Joe and his company, Fearnow Insurance to anyone who is shopping for insurance.Great job.Thank you
Celine Kizhakkemattom
21:52 20 Jul 22

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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