Commercial Auto Insurance in St Petersburg, FL
At Zirkle Insurance and Financial Services, we understand how essential vehicles are to your company’s daily operations. That’s why our team is dedicated to helping local businesses secure the right commercial auto insurance to protect their finances.
What Does a Policy Cover? 
Commercial auto insurance policies typically include the following:
- Liability coverage, which can cover third-party bodily injuries and property damage you or an employee caused while operating a company vehicle
- Comprehensive coverage, which can help if your vehicle is damaged by vandalism, natural disasters, theft or a fire
- Collision coverage, which can cover your vehicle repairs if it’s involved in an accident, regardless of fault
- Hired and non-owned auto coverage, which may apply if a private vehicle is damaged while being used for business purposes
- Uninsured/underinsured motorist coverage to cover losses if your vehicle is hit by a driver who lacks proper insurance coverage
Who Needs This Policy?
Commercial auto insurance is required for companies that own, lease or use vehicles for operations. Florida specifically requires businesses to secure minimum amounts of liability coverage. The following businesses can particularly benefit from this policy:
- Vehicle-for-hire companies
- Retailers
- Food trucks
- Construction firms
How Can I Save on Premiums?
There are several strategies that can help reduce commercial auto premiums:
- Have employees maintain clean driving records.
- Implement telematics and driver safety programs.
- Bundle your commercial auto policy with your other commercial policies.
- Use vehicles that have high safety ratings.
- Increase your deductible.
Why Choose Zirkle Insurance and Financial Services?
We help businesses in St Petersburg, FL navigate Florida’s insurance requirements, compare coverage options and find solutions that fit their operations and budget. Contact us today to request a quote.