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

Lydia Bobek is patient, thoughtful, and helpful! I will be relocating to the area from New York State so called around to a few companies for auto insurance quotes. Lydia not only gave me the least expensive quote, she also surpassed the other agents with her customer service skills. I would like to note that not feeling pressured into a decision that involves money and content that I am unfamiliar with is very important to me. Lydia never made me feel pressured. She was able to keep in touch with me in a professional and polite manner whilst never being pushy. I am very appreciative!
Amanda Szudzik
17:22 05 Jan 23
Joe was courteous and knowledgeable, and worked hard to switch my insurance in a timely fashion. I would definitely recommend Fearnow.
Karen Barnes
19:20 03 Jan 23
Great experience. Joe was very helpful and I look forward to doing other business with Fearnow
Dave Phillips
16:21 22 Dec 22
Excellent service. Joe will walk with you every step of the way to ensure you have the best plan that meets your needs.
Joshua Diih
17:44 13 Dec 22
Joe is the best man I’ve ever met! He is showing absolutely customer-centric approach every time you should to receive a real nice prices and outstanding service as well! Thanks!
Dmitriy Korchagin
23:00 28 Nov 22
The best customer experience! Joe was quick with a new policy and with any answers I needed. Would recommend 100%
Lori Potter
21:55 21 Nov 22
Fearnow Insurance is great to obtain low price and quality insurance coverage. Joseph Boyle was excellent in pricing and offering the best auto and motorcycle insurance for our family.
lil jim haney
13:55 16 Nov 22
I reached out to Joe Boyle and he was an INCREDIBLE help to my wife and I. He was very helpful throughout the whole process and helped us save a bunch of money as well. I would highly recommend him!
Nick Villa
20:32 02 Nov 22
Just got home insurance from them!!! Joe did such an awesome job... he def knows what he's doing! I recommend fearnow insurance if you're having a hard time getting insurance!
Teresa Jimenez
11:56 01 Nov 22
Joseph Boyle is by far the most professional, efficient, excellent personality with customers, highly respectful and straightforward insurance agent. I only checked with one other insurance company and it was a terrible experience. Joseph Boyle took away my fears in a manner of minutes and I was insured in a timely fashion by transferring from Farm Bureau of TN to Florida. I highly recommend Joseph Boyle as an agent and for his professional and kind demeanor. Save time and money and call Fearnow and ask for Joseph Boyle and you will be more than satisfied with outstanding service.
Irene Forsythe
18:30 31 Oct 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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Service Type: Commercial Vehicle Insurance

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