In general, if a vehicle is used in tasks related to the operator’s business operation or profession other than driving to or from work (your commute), a commercial auto policy would be necessary for that vehicle.
Tips to consider:
• If you are using your vehicle to transport goods or people for a fee or if you use your vehicle to conduct a service, you may need a commercial auto insurance policy.
• A commercial auto policy may be appropriate if you need higher limits of liability because of the nature of your work.
• Hauling a considerable weight in tools or equipment or towing a trailer used to conduct your business may require a commercial vehicle insurance policy.
• A commercial insurance policy may be needed if employees operate the vehicle or if ownership is in the name of a corporation or partnership.
Many business uses and vehicle types may be excluded from personal policies. The independent agents at Hoffman & Associates can help you determine the coverage you need based on how your vehicles are used in conducting your business and who will be driving your vehicles.
NOTE: The answers to coverage questions are primarily based on ISO forms generally used in Florida by most companies. However, please keep in mind that all companies’ forms are NOT necessarily the same. Some companies may provide broader coverage and some may be more restrictive.
IN ALL CASES, THE CONSUMER MUST REFER TO HIS OR HER OWN POLICY FOR SPECIFIC COVERAGE INFORMATION.
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Information contained within this site is the property of Hoffman and Associates Insurance Company and is provided for consumers looking to purchase insurance. Any other use is prohibited. We are not responsible for errors and omissions on this web site. All information contained herein should be deemed reliable but not guaranteed, all representations are approximate, and individual verification is required. Please contact Hoffman Insurance Company at 321-751-2511 before making any purchase decisions based on information contained on this web site to check for validity. This content is copyrighted by Hoffman and Associates Insurance Company and will bring legal action on to anyone who copies the information contained here. PLEASE NOTE THAT COMPLETION OF A REQUEST FOR INFORMATION DOES NOT CONSTITUTE THE PURCHASE OF INSURANCE. NO COVERAGE MAY BE ADDED, CHANGED OR BOUND AS A RESULT OF SUBMITTING A REQUEST FOR INFORMATION. ALL COVERAGE MUST BE CONFIRMED BY THE AGENCY IN WRITING SUBJECT TO AN ACCEPTABLE SIG NED APPLICATION MEETING THE UNDERWRITING GUIDELINES OF THE INSURANCE COMPANY. Please read your policy carefully for your terms of coverage. No information in this website alters the terms of coverage in your individual policy. If you do not agree to these terms please exit this website