How to Pick the Right Insurer for Your Central Florida Commercial Fleet

Cost often determines the type of auto insurance policy and provider one choses. At face value, monetary costs are usually the first to come to mind. However, choosing the right insurer for your commercial fleet in Florida is significantly affected by other factors. The peace of mind of knowing you and your company are protected in the event of an accident can outweigh some of the financial cost.

Front end loader putting debris from a demolished building into a dump truck.


Let the insurance company work for you. After all, you get what you pay for, right? Speak with and agent or broker and see what they can offer you. They should ask at least the following questions:

  • What is the weight of the trucks?
  • Where do the trucks travel?
  • What do the trucks carry?
  • What are you looking for in a provider?

These questions help agents comply with state and federal requirements as well as provide you with excellent customer service. Don’t be afraid to shop around if it doesn’t feel right.


After an accident, it’s important to have one individual to turn to. Specialized claims representatives offer dedicated service you won’t find in general representatives that work for a third party. In most cases, they can help you get back on the road faster, which is vital for revenue.

Repair Shops

Finding an insurer with its own network of repair shops can prevent future headaches. The repair service is usually faster, and many guarantee their work. Business owners can take confidence in knowing their work is backed up.


Be sure your provider fits your specific coverage needs. Laws and regulations vary from state to state, so this is important. Ask questions specific to your individual business. Look for a track record in your trade. If the company has a long history of dealing with claims in your field, it could be a better fit for you.


Find a company that works around your schedule, not the other way around. Better yet, ask if they are available 24/7. You never know when you may need to file a claim or inquire about coverage. Don’t be afraid to ask questions about service; often this is a good indicator of a reputable company.


Check if the insurance company offers discounts. Many providers have different discounts depending on eligibility, including:

  • Bundle packages
  • Paying your policy in full
  • Consistent coverage
  • Valid commercial driver’s license
  • 3+ years of business experience


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