Accurate Insurance - Okeechobee, FL
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  • Accurate Insurance of Okeechobee
  • Tax Preparation
  • Personal Insurance
    • Auto Insurance
    • SR22-FR44 Insurance
    • Home Insurance
    • Vacant Home Insurance
    • Renters Insurance
    • Motorcycle Insurance
    • Boat / ATV Insurance
    • RV Insurance
    • Travel Trailer Insurance
    • Mobile Home Insurance
    • Farm Insurance
    • Ranch Insurance
    • Flood Insurance
  • Commercial Auto Insurance
    • Tractor Trailer Insurance
    • Bobtail Insurance
    • Motor Truck Cargo Insurance
    • Trailer Interchange Insurance
    • Tow Truck Insurance
    • Waste Haulers Insurance
    • Dump Truck Insurance
  • Business Insurance
    • General Liability Insurance
    • General Contractors Insurance
    • Artisans Insurance
    • Barber Shop Insurance
    • Hair Salon Insurance
    • Restaurant Insurance
    • Day Care Insurance
  • Free Notary
  • Free Fax
  • Free Copies
  • Accessibility Statement
Accurate Insurance - Okeechobee, FL

Low Cost Commercial Auto Insurance in Okeechobee, FL

Commercial Auto Insurance to fit your budget & needs

ACCURATE INSURANCE ... Your One-Stop Shop
Call or Text: 863-357-1707 or Toll Free: 866-536-2070

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​When do I need Commercial Auto Insurance?
You need commercial auto insurance for any vehicle that your company uses for business purposes, any vehicle that has a commercial license plate or tag and any vehicle that is registered as a commercial auto.
You must also get commercial auto coverage if your employees will be driving or using vehicles in the course of doing business, whether making deliveries, driving people to the airport or running errands on behalf of the business.
If you use your vehicle for any of the following functions, you may also be required to get commercial coverage:
  • Using the vehicle to carry equipment
  • Transporting flammable or hazardous material
  • Transporting housekeeping equipment for business use
  • Using, carrying or transporting cranes, or a winch or plow
  • Hiring your vehicle out to tow other vehicles
  • Delivering any goods such as pizza or any form of wholesale or retail products
  • Delivering newspapers
  • Trucking and freight transportation
  • Transporting people as a chauffeur, limousine service or taxi service
Some situations and certain occupations may be covered under standard auto policies, but you should always ask our insurance agency if your vehicle use warrants a commercial policy.
​What Does Commercial Auto Insurance Cover?
Commercial Auto Insurance can help pay to repair physical damage to the vehicle you drive for business if it's damaged by theft, weather events, or collisions. It can also pay for lawsuit costs associated with accidents, such as medical expenses and legal fees.
Let's take a more in-depth look at business auto insurance coverage and how it protects your company.
Commercial Auto Insurance Coverage: What's Included
A commercial auto insurance policy usually offers four major types of protection:
  • Auto liability coverage can help pay for property damage or bodily injury you cause. It can also help pay for accident-related legal expenses, such as attorney fees or settlement costs.
  • Medical payment coverage can cover medical bills if you or your passengers are injured in a car crash, regardless of fault.
  • Physical damage and collision coverage can pay for repairs if your vehicle is damaged by something other than a car accident. For example, theft, vandalism, certain weather events, and collisions with an object are usually covered incidents.
  • Uninsured motorist coverage can help pay for damage to your car or bodily injuries you suffer if somebody who doesn't have insurance hits your vehicle.
You may already have liability insurance, such as General Liability Insurance or Professional Liability Insurance, to protect your business from lawsuit costs. But commercial auto coverage is the policy that helps your business address lawsuits over car accidents. Considering how often you might drive for work, this protection can be valuable.

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​Do I Need Commercial Auto Coverage If I Have a Personal Auto Policy?
It depends. If you only use your personal vehicle to commute and to occasionally meet a client, your personal auto coverage might be enough.
However, business auto coverage might be a better fit if:
  • You frequently drive your personal vehicle for business.
  • You own a vehicle that is registered to your business.
  • Your employees drive company vehicles.
Commercial Auto Insurance Isn't Your Only Option
Commercial Auto Insurance offers useful protection, but it doesn't cover employees who drive their personal vehicles for business. Your business can be held liable for accidents that happen during these company errands, so it's smart to have Hired and Non-Owned Auto Insurance just in case.
Hired and Non-Owned Auto coverage offers liability protection for accidents that happen when employees drive their own vehicles on behalf of your business. If your employees frequently use their personal vehicles to do their job, you may want to consider purchasing this policy.
That's the beauty of small business insurance – there's a policy for most of your business needs!
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Insurance Coverage for Business Autos Explained
Many businesses are exposed to the financial consequences of their ownership, use or maintenance of vehicles used in their operations.
Most coverage needs can be handled by a business auto policy (BAP) or similar form which covers operations such as:
  • Product or food delivery
  • Transporting business products to wholesalers or retailers
  • Retail product delivery to consumers
  • Carrying persons for short, intermediate, or long-distance routes
  • Picking up customer items for cleaning, repair, storage, etc.
Coverage is flexible. It may be purchased as a separate policy or as part of a package of coverage that can also protect buildings and business property (equipment, furniture, etc.). A BAP generally offers:
Liability Coverage–protection for physical injury to other persons or their property because of an accident related to your covered vehicle, including legal defense cost or expense.
Comprehensive Coverage–handles loss from any cause except collision. A limited, less expensive option is available. It only protects against a set of specific causes such as fire, lightning, explosion, vandalism, and several others
Collision–takes care of damage from crashes with another object or overturn of the vehicle
Towing And Labor Costs–handles expenses for moving disabled vehicles
Loss of Use/Rental Vehicle Coverage–if you damage a rental car, this option helps to reimburse the rental company for income it loses because the vehicle is out of use. Also, there may be limited coverage for injury or damage that you cause to others while using a rented vehicle anywhere in the world.
Typically, a business auto (or similar form) bars coverage for the following:
  • any injury/damage that you expected or intended
  • responsibility for damage you assume under a contract
  • losses that should be handled by a Workers Compensation, Disability
Benefits or Unemployment Compensation Law
  • Bodily Injury to an employee caused by a Fellow Employee
  • Damage to property that is in your Care, Custody and Control
  • Any bodily injury or property damage that occurs because of Pollution
  • Any loss that is related to racing, demolition or stunts
​Are you protected against business auto losses? Drive over and discuss your situation with one of our insurance agents. The trip will be worth it.
101 SW PARK ST, OKEECHOBEE, FL 34972
CALL OR TEXT: 863-357-1707
TOLL FREE:
 866-536-2070
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FAX: 863-357-0317

Hours Of Operation 
Mon - Fri: 9:00 am - 5:30 pm
Saturday: Appointment Only
Sunday: closed

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