Commercial auto insurance in Palm Bay

Usually no, once the truck is used for the business. Personal policies often exclude commercial use, deliveries, and hauling tools for hire. Tell us how the truck is used before a claim tests the wording.

Any vehicle the business owns and uses, and any vehicle you want the policy to cover. Leaving one off does not save a claim. If a car is sometimes personal and sometimes for work, say so. The title and the use both matter.

Their personal policies may not protect your business if they are driving for you. Hired and non-owned auto is the coverage people ask about in that case. It is not on every general liability policy. We will say if the quote includes it.

Often no. Auto physical damage pays for the vehicle, not the equipment sitting in it. Inventory and tools usually need property or inland marine coverage. Tell us what you carry.

Yes. The radius, the cargo, and whether you deliver for others change the class. A plumber’s van and a vehicle that delivers food are not the same application. Describe the work plainly.

The drivers you list, under the rules of the policy. A new hire with a poor record can be excluded or can change the price. Hiding a driver is a bad idea. Bring the licenses if you have them.

No. General liability does not take the place of auto liability for a vehicle accident. Many contracts ask for both. We quote them as separate lines unless a package form says otherwise, and we will tell you which one you are looking at.

Yes. There is no broker fee. Coverage starts when a carrier binds the policy and any required premium is paid.