Commercial auto insurance is mandatory in the vast majority of states and Florida too. There are a lot of people who use their own vehicles for commercial purposes as well as for personal. Smaller home based businesses are also using commercial vehicles to a great extent and this segment of the market is currently on the rise.
Liability coverage is a must and the policy should carry the state specified minimum amount of bodily injury and property damage liability as indicated in minimum state requirements.
Many business owners purchase the necessary liability coverage above minimum limits and choose to include other types of coverage such as comprehensive and collision as well. Some business owners even include underinsured and uninsured motorist coverage to their commercial policies too, taking the fact that there are so many drivers with no insurance coverage on their cars out there on the road.
You can get free commercial auto insurance quote or buy commercial car insurance policy in our office in Amelia Island, FL
The most weight in the final rates will have such factors as the amount and type of coverage to be included into the policy, the location of the business (traffic, theft rates and repair costs), as well as the actual driving record of the employee (or employees) who will be driving the commercial vehicle.