Lock Insurance – Lakeland, Florida

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Do You Need A Commercial Auto Insurance Policy?

commerical autoIf you run a business that requires the use of vehicles for company activities, you need a commercial auto insurance policy. Commercial insurance policies are designed to protect you against the wide variety of liability issues you face when you have employees on the road using your vehicles.


What Happens Without a Commercial Auto Policy?


Without a commercial auto policy, you and your company will be held accountable for property damage and injuries if an accident occurs. Only a commercial policy can protect you and your business from financial disaster.


How Many Cars/Trucks Do You Need For a Commercial Auto Policy?


Whether your company has one car or a hundred delivery vans, there is a commercial policy that will suit your needs. You can obtain individual commercial policies for each vehicle the company uses or choose a fleet policy if you have more than a few cars.


You have other insurance policies to protect your company from liability, fire, theft, and other potentially ruinous events. Commercial auto is the policy that will protect your company when you or your employees are on the road.


Don Westerfeld 11/13/2014 2:47:00 PM

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New Discounts Available for Truck Insurance!

Save money on trucker insurance. There are several new discounts available!


miami 152smSeveral commercial insurance companies are introducing discounts that could increase your money.

If you have current insurance, you need to ask yourself if you are getting these new discounts, and if you are newly acquiring a commercial truck, you need to make sure the agent is aware of them.

  • Multi-policy for discount having General Liability
  • CDL license length of time
  • Safe Driver


There are several types of Truck insurance:

Non-Trucking Liability

Non-Trucking Liability (Bobtail Coverage) provides limited liability insurance for owner-operators permanently leased to an ICC-regulated carrier. It offers little liability protection when the owner-operator is not on dispatch nor pulling a loaded trailer. For example, this truck insurance coverage would apply when the owner-operator gets their truck washed or brings their vehicle into a shop for repairs. Once the owner-operator is under dispatch, they are covered under the Primary Liability insurance policy of the company that they are leased to.

Trailer Interchange

Trailer Interchange Insurance is coverage for the legal liability of truckers for loss or damage to non-owned trailers and equipment that are in the insured’s possession under a written trailer interchange agreement.

Primary Liability

Primary Liability Insurance coverage protects you from damage or injuries to other people due to a truck accident. State and federal agencies mandate this coverage, and proof of coverage must be sent to them. We provide coverage limits ranging from $35,000 to $1,000,000. Pricing is dependent on driving records and the history of the trucking operation.

Physical Damage

Physical Damage Insurance is coverage for your truck and trailer. This coverage is for repair or replacement for damage resulting from a collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism to your vehicles. Truck Insurance pricing is based on the value of your equipment and usually pays a percentage of that value. The lien holder may require this coverage of your vehicle.

Motor Truck Cargo

Motor Truck Cargo insurance protects the transporter from his responsibility in the event of damaged or lost freight. The truck insurance policy is purchased with a maximum load limit per vehicle. Coverage limits can range from $10,000 to $100,000. Pricing for this type of truck insurance mainly depends on the cargo type being hauled.

Contact us for more information!

Don Westerfeld 2/22/2011 12:26:00 AM

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