Clermont FL Business Auto Insurance

Who loves to write business auto insurance in FL? That's right, Southern Insurance Group does. One of the most important insurance policies that your business needs to make sure is set up properly is your business auto insurance policy. Not that other policies are less important, but the percentage of lawsuits that arise from auto accidents makes this a big exposure for the company doing business.

Having your business in FL, you have to be aware that we are in one of the most sue happy states in the USA. Actually, the state of FL was just recognized as having the most auto insurance fraud in the 50 states. Not the best thing to be in the number one category for.

As a result, your drivers have to be extra cautious on the road and have to limit as many distractions as possible. The feedback for a large number of claims that we receive are because the driver was looking up directions on the GPS or cellphone. Being distracted, they didn't realize that the driver in front suddenly stopped.

Where the auto fraud comes into play in FL is drivers that drive all over FL looking for distracted or impatient drivers. They then get in front of them and hit the brakes. They end up getting hit from behind and of course have claim that they have major neck injuries as a result. These fraudulent drivers know that these business auto policies typically carry higher limits that the average person on the road so they definitely target these drivers.

One of my best business auto clients had excellent claim history or loss ratios year after year, however, this past year, their drivers had 6 accidents that were all relatively small in nature, however, all 6 people hired attorneys.

Think of it this way

It is one thing to have coverage on your building, contents or employees while in the office, but a totally different exposure when your employees are driving around Clermont with potential auto accidents waiting to happen.

When some people see that the driver that just ran into them is driving a work vehicle with your big company logo on it, they sometimes see dollar signs, thinking they can score a big payday from suing your company.

Even if your business vehicles are not the primary way your business makes money, they may be the primary way your company loses money. Without a great business auto insurance policy you may be overpaying and left underinsured. Let the professionals at Southern Insurance Group review your policy today to make sure your business is not at risk.

Business auto insurance in Clermont is different than personal vehicle insurance. Not only are there generally multiple vehicles but the liability from accidents or claims extends to your business.

You need to make sure that your coverage levels for your business auto insurance are high enough to protect your business and you personally from any claims--even unwarranted ones--that can be devastating.

If you are worried about costs, don't be. Business auto insurance is remarkably inexpensive--especially given how important the protection is to your business.

Business Auto Insurance in Clermont – The Basics

So many people have had bad experiences with insurance companies. Considering how everyone is trying to save money these days, it becomes difficult to get the right coverage at the right price that guarantees a settlement from the insurer. With businesses trying to streamline all their processes, getting a quote from them is probably the easiest part of taking out business car insurance.

So when you finally decide to take it out, here are few things to consider when purchasing insurance for one of your business vehicles. With the insurance industry being as lucrative as it is, it’s understandable that there are a number of firms out there that are willing to insure your vehicle. In order to find a good premium for your vehicle, it’s a good idea to contact an independent insurance agency like Southern Insurance Group who can shop the marketplace for your best pricing. Its one thing to find cheap insurance but it’s something different when you have shortfalls in your coverage. Finding the cheapest premium isn’t always the safest bet, but you should rather try to get the coverage you need at the very least.

By making sure that you are well covered, you can prepare for any future short-comings and minimize any form of productivity loss that may occur. A simple thing like having a rental vehicle added to your policy so that your reps can still get a round is a great way to avoid that. Something you must always keep in mind is that insurance companies are quite fussy when it comes to paying out claims. By making sure that you give them all the required information as accurately as possible, you minimize the possibility of getting any of your claims rejected. A claims assessor’s job is to make sure that a claim gets handled correctly, and if they pick up on any inaccurate information it will give them grounds to reject your claim.

Types Of Business Insurance You Should Consider In addition to Business Auto

So you have your new organization’s name, employees, and legal aspects completed and official. You have your office space in a great spot. Now all you need to do is get some small business insurance and you’re ready to go! Do you know anybody that doesn’t have coverage against fires or robberies in their own home? Why run the same risks in your business? The purpose of insurance is to risk money you can afford to cover the event of something that you can’t afford. Most anyone would gladly pay the monthly fees for coverage against incidents than to have to clean up the mess later.

Now that you have found a reputable insurance agency, we will help to meet all your Clermont business insurance needs.

  • Property and liability insurance are the first you will need. If you own the building your office is in, you need a property policy. It will cover your building, personal objects like supplies, equipment, furniture, etc.
  • A liability policy will provide protection for you in the case of an accidental fire like if an electronic is left on and shorts. Also covered would be any mistakes or omissions that could constitute things like malpractice.
  • Worker’s compensation is mandatory by law if you have any employees at all. This will cover the costs and damages in the event a worker is injured on the job.
  • Offering good health insurance options is good for getting employees as well. It is often difficult to find health coverage on your own outside of work.
  • You could also look into auto insurance for any company vehicles.

Floods, fires, lawsuits, and many other things can ruin a company. Small business insurance is extremely important to protect your investment. Don’t hesitate to find a reputable agent and buy a custom structured policy.

Clermont Florida Business auto insurance can cover all of the following risks:

  • Comprehensive and Collision
  • Emergency Roadside Assistance
  • Liability
  • Medical Payments
  • Loss of earnings
  • Uninsured Motor Vehicle

Clermont Business vehicle insurance is available to any business owner who owns vehicles used for a commercial purpose. Coverage protects owners against damage and liability claims.

Here are two reasons to get started right away!

  1. It's always great to understand and review your current coverage levels -- there may be an opportunity to reduce your costs and expand your coverage.
  2. It's easy to get a no-risk quote. Simply fill out this short form and we'll get back to you within a day with a surprisingly affordable business auto insurance quote.