8114 CORTEZ ROAD WEST -- BRADENTON, FLORIDA 34210

TEL# 941-794-0282 FAX: 941-794-1264

PARRISH TEL# 941-776- 3396

OVER 100 OFFICES THROUGHOUT FLORIDA

COMMERCIAL VEHICLE

THIS IS AN AREA THAT CAN LEAD TO AN AWFUL LOT OF LIABILITY EXPOSURE FOR A BUSINESS. YOU CAN ASK AN EMPLOYEE TO DRIVE TO THE POST OFFICE, IN THEIR OWN CAR , TO MAIL A LETTER FOR YOU; AND IF THEY GET IN AN ACCIDENT, YOUR BUSINESS COULD BE HELD LIABLE. IF YOUR BUSINESS OWNS VEHICLES THAT ARE USED IN THE COURSE OF BUSINESS, YOU MUST HAVE A COMMERCIAL VEHICLE POLICY TO PROTECT THE BUSINESS. GENERALLY THE COVERAGE LIMITS ARE HIGHER AS CLAIMANTS AND THEIR ATTORNEYS WILL US SUALLY SUE FOR MORE AS THEY FIGURE THAT COMPANIES HAVE DEEPER POCKETS THAN INDIVIDUALS.

TO KEEP PREMIUMS DOWN YOU CAN INCREASE DEDUCTIBLES, MAKE SURE THAT THE PEOPLE YOU HIRE, THAT DRIVE COMPANY VEHICLES, HAVE GOOD DRIVING RECORDS, OR EVEN CONSIDER DROPPING COMP & COLLISION ON OLDER VEHICLES.

EVEN IF YOUR BUSINESS DOES NOT OWN ANY VEHICLES, YOU MAY WANT NON-OWNED AND HIRED AUTO LIABILITY COVERAGE.THE FIRST COVERS THE BUSINESS IF AN EMPLOYEE GETS IN AN ACCIDENT WHILE ON COMPANY BUSINESS WHILE DRIVING THEIR OWN VEHICLE; THE SECOND, IF A VEHICLE IS RENTED FOR COMPANY BUSINESS. BE SURE THAT YOUR BUSINESS HAS THE RIGHT COVERAGE -- A MISTAKE CAN BE VERY EXPENSIVE AND CAN CRIPPLE YOUR BUSINESS OR PUT YOU OUT OF BUSINESS.