commercial auto liability broward county
Protect your commercial vehicle fleet, ensure uninterrupted operations, and enjoy peace of mind with Commercial Auto Liability Broward County
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Safeguard Your Commercial fleet- with Commercial Auto Insurance
For your fleet of commercial vehicles to be financially protected, commercial auto insurance is crucial. Take comfort in knowing that risks like car accidents, breakdowns, theft, vandalism, and other frequent occurrences are protected for your finances and automobiles. Your company can minimize potential losses and guarantee the efficient functioning of your commercial vehicles with this coverage. Whether you have a small or large fleet, commercial auto insurance is an essential investment to protect your property and ensure ongoing operations in the event of unforeseen circumstances. You can rely on GGA Insurance Group to customize the ideal commercial auto insurance plan to suit your unique needs.
Stay on the Right Side of the Law – with Broward County Commercial Auto Insurance
Commercial auto insurance is legally required in Florida. Hence, for legal compliance, you need to make sure you have the right level of commercial vehicle insurance if your business uses vehicles. There are several good reasons why commercial vehicle insurance is mandatory in Florida and other states. Vehicle crashes and ensuing medical bills, vehicle repair bills, property damage costs, and not to mention lawsuits are a few strong reasons for having really good commercial auto insurance.
Given the dire financial ramifications of vehicle accidents, you want to be sure that you have insurance from one of the top commercial auto insurance companies.
Liability Coverage – an Indispensable Benefit of Commercial Auto Insurance
You can take all the care in the world but just one lapse in concentration is all it takes for devastating consequences to transpire when you are on the road. Personal injuries, property damage, medical bills, the list goes on. Then there is the threat of lawsuits. To protect against the financial implications of such dire possibilities, you need to take out a plan from one of the leading commercial auto insurance companies. Besides staying on the right side of the law, you can realize several benefits, like gaining compensation for injuries and damage wrought by vehicle accidents.
The Importance of Collision Coverage
A violent crash can inflict serious damage on your valuable vehicles. Repair bills can be astronomical. So you want to be sure that you are ready when such a possibility materializes. Collision coverage is exactly what you need for damages wrought by an accident. It will pay for the repair bills incurred due to restoration work that brings the vehicle back to its original working condition.
In case the vehicle is totaled, it can be replaced thanks to collision coverage. Hence, collision coverage from the foremost commercial auto insurance companies should be on top of your priority list. The benefits that it provides are just too good to ignore.
Commercial Auto Insurance Gives You the Protection You Deserve
Any company with a fleet of vehicles must make the investment in commercial auto insurance. It gives you the defense you need, making sure your priceless possessions are protected in the event of mishaps, theft, or damage. With comprehensive insurance, you can concentrate on managing your business while knowing that your assets and funds are protected against unanticipated catastrophes. You can rely on GGA Insurance Group to customize the ideal commercial auto insurance policy to match your unique demands and protect the future of your company.
Broward County Commercial Auto Insurance from the Very Best in the indsutry
If you do business in Florida, you will need insurance to comply with state rules and to mitigate business risk. Commercial auto insurance is something that you absolutely need to financially protect your commercial vehicles.
Broward County Commercial Auto Insurance may provide some of the same benefits that you find in your personal auto insurance plan. But make no mistake. Your personal auto insurance won’t cover your commercial vehicles. Nor will it cover any personal vehicle that you use for any commercial purpose. That’s why you need to consult with a leading commercial auto insurance company in Broward County like GGA Insurance so that you can understand your auto insurance needs for your unique scenario. This becomes all the more important especially if you are using a vehicle for personal and commercial purposes.
If you have a large fleet of delivery trucks, then you may need to take out commercial fleet insurance. Likewise, if you have 18-wheeler trucks, you can benefit from commercial trucking insurance. Whatever your needs, whatever your vehicles, GGA Insurance can help out since it is one of the most prominent commercial auto insurance companies in Broward County, Florida.
However, it’s not just heavy-duty trucks that can count as commercial vehicles in Florida. Just about any vehicle can if you are using it for work. So be sure, to consult with your trusted insurance partner – GGA Insurance. Besides trucks, other vehicles can also function as commercial vehicles like vans and cars.
If you are using a hired, leased, or rented vehicle for your commercial pursuits, you will need to get in touch with the distinguished commercial auto insurance company GGAI to find out exactly what you need. One useful rule to bear in mind is that if there is any vehicle that you are using for your business, no matter how sparingly, you will likely need commercial auto insurance for it.
Can My Employees be Covered Under Commercial Auto Insurance?
With the right commercial vehicle insurance plan that provides such coverage, you certainly can. For employees who drive your commercial vehicles as part of their work routine, you will have to list their names as vehicle drivers in your commercial vehicle insurance plan. Even if they don’t have to drive the vehicle each day, you will still have to list them as users.
Just like in most other states, Florida defines the minimum amount of insurance coverage you need for your commercial vehicles. Bear in mind that Florida counts as a no-fault state. Specifically, you will need liability coverage as a mandatory part of your commercial vehicle insurance. You will need personal injury protection of at least $10,000. Plus, you will need a minimum of $10,000 in property damage liability insurance. With these minimum requirements, you will be compliant with Florida state laws. However, minimal benefits may fall well short of your needs. Depending on the risk profile and circumstances of your industry/business you may need far more.
Getting optimal coverage is important. That’s because if you don’t have enough coverage then you won’t be able to pay for the high cost of damages that do transpire. The insurance company will pay up to the prescribed limit. After that, you are on your own. So make sure that your plan provides a high enough limit to cover all contingencies that your trade entails. For example, if you transport passengers or hazardous goods, then you will certainly need comprehensive coverage with higher limits.
The unfortunate reality of accidents is that they can entail all sorts of high costs that can worsen human suffering. This is why you have Commercial auto liability insurance Broward County plans that take care of such possibilities. They do this by providing the following coverage options.
- Medical payments coverage
- Uninsured motorists coverage
- Comprehensive coverage
- Collision coverage
- Rental car coverage
- Towing and roadside assistance coverage
- Gap coverage
You must understand these coverage options and discuss them with your insurance partner to find out which ones you need and how much.
Here are the basics of these coverage options.
Medical Payments Coverage
This insurance coverage compensates you for medical bills incurred if you or your employees suffer injuries while using a commercial vehicle for work. One really attractive feature of this coverage is that it does not consider fault. Another key feature is that benefits apply even to injured passengers in the said vehicle.
Uninsured Motorists Coverage
Although Florida is arguably one of the more well-known states where people from all over the world flock, there is one glaring problem. Florida has more than its fair share of uninsured motorists. No less than one out of four motorists are thought to be uninsured. This could mean trouble in paradise for you.
If you get in an accident and the other driver is at fault then the insurance company of this driver should in theory pay you for your losses. But what if the motorist is not insured as so many others in Florida? You are on your own then and will have to pay out of pocket. More or less the same applies if the driver has too little insurance coverage.
But it does not have to be this way. Thankfully, commercial vehicle insurance provides uninsured motorist coverage. This plan pays benefits if the other at-fault driver lacks insurance. Hence, you are saved from having to pay high costs out of pocket.
The name says it all. It provides financial protection for vehicle damage arising due to a range of factors apart from collisions. This can include factors like falling trees, damage inflicted by animals, vandalism, theft, fire, and storms. You should also have this coverage since Florida has the unfortunate distinction of being in the top ten states for car theft.
Hence, you must play it safe and make sure that you are covered against the risks that you face. You can mitigate risk and prepare for adverse events by teaming with leading insurance partners like GGA Insurance. Thanks to our extensive experience and expertise, GGA Insurance Group can help you find the right Commercial Auto Insurance Broward County plans for your needs that are backed by the most distinguished underwriters. Contact our team today for your free insurance analysis.
Optional Security Options for Even More Protection
Vehicle accidents can incur high costs in several different ways. As distraught vehicle owners discover, dealing with the fallout of vehicle accidents is not easy. Wider coverage can help you deal with unexpected costs through endorsements like rental reimbursement, towing reimbursement, new vehicle replacement expense coverage, roadside assistance, and gap coverage.
These are all benefits that can yield high fiscal value when the worst happens. Take gap coverage for instance. This endorsement covers the outstanding amount of your auto loan less the value of your stolen or destroyed vehicle. Just imagine how much loss you would suffer if your new vehicle got wrecked or stolen. With gap coverage from premier commercial auto insurance companies like GGA Insurance Group, paying back your vehicle loan is not a problem even if your new vehicle is stolen or wrecked.
The Ultimate Shield for Your Insurance Needs
Your vehicle can suffer damage due to storms, vandalism, arson, and even be stolen. Thankfully, comprehensive coverage is now available to financially protect your business against these serious threats. In short, comprehensive coverage pays for damages resulting from factors other than road accidents.
This policy works well for both newer as well as older vehicles. There is no telling when your vehicle may suffer catastrophic damage from a falling tree or even animals. These threats are sadly all too real, and you must not be caught off guard. Commercial auto insurance companies like GGA Insurance Group can give you the comprehensive coverage you need. You can count on the most prestigious insurance name in Broward County to handle your vehicle insurance.
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Get Covered by Broward County Commercial Auto Insurance
Top commercial auto insurance companies in Broward County can help you meet all your commercial insurance needs. We customize our plans so that they provide the exact coverage and benefits that you need.
There can be no denying the fact that liability coverage is of utmost importance, especially when it comes to commercial auto insurance Broward County. A moment of drowsiness behind the wheel can lead to catastrophic consequences – death, injuries, vehicle damage, property damage, and psychological trauma are sad realities that we can’t escape.
Even the most responsible drivers can become the victim of circumstances and face lawsuits and liabilities. It’s no wonder then that Florida and several other US states mandate liability coverage. You can count on GGA Insurance Group, the leading commercial auto insurance company in Broward County to determine how much coverage you really need.
Although not mandated by law, this insurance coverage option is not really an option – it is paramount. Just think about it. Suppose you get into an accident, and the other driver is at fault. But what if the other driver has very little coverage or even no insurance coverage at all? How will you cover your damages and losses then?
Statistics from the Insurance Journal show that an astounding one out of four drivers in Florida are uninsured, making it one of the most dangerous states for car owners. This is where uninsured motorist coverage comes in. If the at-fault driver is uninsured or underinsured, your plan will cover your damages.
This insurance coverage option extends benefits to cover the medical bills of the injured driver and passengers in case in case their vehicle crashes. The really great thing about this priceless coverage option is that it is applicable irrespective of fault. So even if the driver is at fault, as long as they are covered by medical payments coverage, they will receive their benefits. Even the injured passengers who were inside the vehicle at the time of the crash will receive benefits. This is as good as it gets.
Even a single crash or roadside emergency can entail a cascade of high costs. Hence, it pays to be covered for such eventualities. Roadside and towing assistance coverage is vital for dealing with emergencies that arise due to flat tires, engine failure, weak battery, or any other problem that renders your vehicle immobile.
Plus there are other options that you might need like cargo coverage for instance. Broward County commercial auto insurance from the right firm can help you in this regard.
Safeguarding Your Commercial Vehicles
GGA Insurance Group, a leading commercial auto insurance company, offers tailored plans to protect your commercial vehicles. Our comprehensive coverage provides various benefits at a reasonable cost, ensuring financial security for your business.
Courtesy of our decades of experience, our commercial auto insurance company can suggest the optimal coverage level for your commercial needs. Based on your unique business profile we can determine what benefits you need and how much. Choosing the right mix of coverage options is no doubt challenging. After all, there are a myriad of coverage options, which, although not mandatory, are nevertheless crucial. These include uninsured motorist coverage, medical payments coverage, and comprehensive coverage, to name a few.
We can help you navigate the dizzying maze of insurance options so that you find exactly what you need and how much. Contact GGA Insurance Group today for your consultation.
Frequently asked questions
Yes. Like other states, Florida recognizes the importance of the financial protection that commercial vehicle insurance provides. Auto liability insurance coverage is necessary. However, you might need more than the legally required amount to be fully covered. GGA Insurance Group can guide you on commercial auto liability insurance Broward County.
You need $10,000 for personal injury protection and $10,000 for property damage liability to comply with Florida laws. However, you may need a higher limit to stay safe. GGA Insurance Group can knows commercial auto liability insurance in Broward County and can help you out.
No. Commercial vehicles are subjected to different risks, hence, they have separate insurance policies designed specifically for them. Moreover, you need to be careful about the status of your vehicle. Your personal vehicle may count as a commercial vehicle if you use it in any way for work.
Yes, it is. Besides providing high value and financial protection, commercial auto insurance can also help you to lower your taxes. Hence, you can save more with the right insurance plan. Contact our team today to learn more about how we can help you get the right Broward County commercial auto insurance plan.
GGA Insurance Group is committed to providing valued clients like you with the most cost-effective insurance products. We can help you compare insurance products from top underwriters so that you can save and find high value.
Based on your evolving situation, GGA Insurance Group provides expert advice on how much coverage your business will need. Feel free to get in touch with us if you feel that you need to change your coverage.
You will need the hired and non-owned auto insurance plan to cover commercial vehicles that you don’t own. We can provide you with class-leading products from trusted underwriters that will serve your unique business needs. In Florida, you need liability coverage even for commercial vehicles that you don’t own.
No, your personal insurance plan won’t cover you if there is an accident on your vehicle that is being used for work. You will need to buy a commercial auto vehicle plan of the right type for this specific need.