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Commercial Auto
If your business owns or operates vehicles, from delivery vans to service trucks, Commercial Auto Insurance is a must. Personal auto policies typically exclude business use, leaving you exposed to significant risks.
Total Insurance Group, LLC provides custom commercial auto coverage to protect businesses in Cape Coral, Fort Myers, and surrounding communities. This policy covers liability for accidents caused by your drivers, as well as physical damage to your owned or leased vehicles. Optional coverages include comprehensive, collision, uninsured motorist, and hired/non-owned auto protection.
A commercial auto policy helps cover medical payments, repair costs, and even legal expenses if an accident occurs while conducting business. Whether your team makes deliveries, transports tools, or travels between job sites, our agents will help you build a policy that keeps your vehicles, employees, and business assets protected, on and off the road.
Frequently Asked Questions
Can I just use my personal auto policy for business use?
Typically no. Personal auto policies exclude most business-related driving, meaning claims could be denied if an accident occurs while using your vehicle for work.
What vehicles can be covered under Commercial Auto Insurance?
Cars, trucks, vans, and trailers owned or leased by your business. You can also add hired and non-owned auto coverage for vehicles your employees use but don’t own.
Does this policy cover employees driving their own cars for work?
Not automatically. You can add “Hired and Non-Owned Auto Liability” coverage to protect your business in those cases.