Commercial Auto Insurance

Comprehensive Coverage for Your Business Vehicles and Drivers

We provide commercial auto insurance for businesses across the Emerald Coast. We understand the importance of your vehicles and drivers to your daily operations. Our coverage offers the protection your business needs. Trust our experts to provide the coverage you need for your vehicles and drivers.

Importance of protecting your business vehicles and drivers

If you own a business that utilizes vehicles in any capacity, whether a fleet of delivery trucks or just a single company car, it’s crucial to have commercial vehicle insurance. Commercial vehicle insurance provides coverage for your business vehicles and drivers in case of accidents, theft, or damage.

Here are a few reasons why commercial vehicle insurance is essential:


Protects Your Business Assets

Your business vehicles are valuable assets that allow you to operate and grow your business. However, when one of your vehicles is damaged or stolen, it could result in significant financial losses for your company. Commercial vehicle insurance can help cover the cost of repairs or replacements, minimizing the impact on your business.

Covers Liability

Accidents happen, and if one of your drivers causes an accident while on the job, your business could be held liable for any damages or injuries. Commercial vehicle insurance can help cover the costs of any lawsuits or settlements that may arise from accidents.

Compliance with the Law

Depending on the state and the kind of vehicle you use, commercial vehicle insurance may be required by law. Failing to have the appropriate insurance coverage could result in fines or even the loss of your business license.

Provides Peace of Mind

Knowing that your vehicles and drivers are protected in the event of an accident or theft can give you peace of mind as a business owner. You may focus on running your business, knowing that you have insurance coverage in place to handle any unexpected events.

Our Commercial Auto Insurance Services

Here are some of the coverage options we offer:

Protection Against Property Damage

Commercial property insurance covers damage to your business property caused by natural disasters, such as fires, storms, or earthquakes, as well as other perils, such as vandalism or theft. The coverage can help you repair or replace your property and quickly resume business operations without significant financial losses.

Coverage for Business Interruption

Commercial property insurance policies often include business interruption insurance. It covers lost income and other expenses when your business is forced to close due to property damage or other covered events. It can help you stay afloat during a challenging time and prevent the long-term financial impact of a business interruption.

Liability Protection

Commercial property insurance can also provide liability protection if someone is injured or their property is damaged while on your business property. The coverage can help cover legal expenses and any damages you may be required to pay due to a lawsuit or other legal claim.

Industries and Businesses that Benefit

Our commercial property insurance services are designed to meet the needs of a wide range of industries and businesses, including:

  • Real estate companies and property managers
  • Retailers, wholesalers, and distributors
  • Manufacturers and industrial facilities
  • Healthcare providers, including hospitals and clinics
  • Hospitality and food service businesses
  • Nonprofit organizations and community groups

Whether it’s a sedan or a hatchback, we understand that cars are essential for many businesses. Therefore, our policy provides coverage for cars used for commercial purposes, such as sales, deliveries, and transportation.


Vans are popular among small business owners and contractors. We offer coverage for vans used for commercial purposes, including transportation of goods, equipment, or passengers.

Pickup Trucks

Pickup trucks are versatile and widely used for business purposes, including construction, landscaping, and transportation. Therefore, our policy covers pickup trucks used for commercial purposes.

Box Trucks

Box trucks are large vehicles used for the transportation and delivery of goods. Our commercial auto insurance covers box trucks used for commercial purposes, ensuring that your business is protected in case of any accidents or damage.

Service Utility Trucks

Service utility trucks are commonly used by businesses that provide services such as plumbing, electrical, or HVAC. Our policy offers protection for these vehicles, including any specialized equipment or tools inside.

Food Trucks

Food trucks have become popular in recent years, and we understand the unique risks associated with this type of business. Our commercial auto insurance covers food trucks, ensuring that you can continue to serve your customers without any worries.

Types of Vehicles Protected by Our Commercial Auto Insurance

Whether you have a small business with a few cars or a large fleet of trucks, we have got you covered. Our policy covers a range of vehicles, including:

Why Choose Term Brokers Insurance?


Our team has years of experience in the insurance industry and specializes in commercial auto coverage. We have the knowledge and skills to assist you. Find the right policy that meets your specific needs.

Comprehensive Coverage

We understand that every business is unique, which is why we offer a wide range of coverage options to protect your vehicles, drivers, and business. From liability and collision coverage to uninsured motorist protection, we have you covered.

Competitive Rates

We work with multiple insurance carriers to find you the most competitive rates possible. We’ll look around on your behalf to find you the best coverage at a price that fits your budget.

Exceptional Customer Service

At Term Brokers Insurance Services, we pride ourselves on providing exceptional customer service. We are determined to being there for you every step of the way, from helping you choose the right policy to answer any questions you may have.

Local Presence

We are a local insurance agency with offices in the community. We understand the unique risks and challenges that businesses in our area face, and we are here to help you navigate them.

Frequently Asked Questions

The cost of commercial auto insurance can vary depending on a variety of factors, including the size of the business, the type of vehicles being insured, the driving records of the employees, and more. Businesses can get quotes from insurance providers to determine the cost of coverage.

When selecting a commercial auto insurance provider, businesses should look for a provider with a strong reputation for customer service, competitive pricing, and flexible coverage options. It is also important to choose a provider with experience insuring businesses in your industry.

If you have an accident with a company-owned vehicle, you should report the incident to your insurance provider as soon as possible. The insurance provider will investigate the claim and may provide coverage for damages and injuries resulting from the accident.

The process for obtaining commercial auto insurance typically involves researching insurance providers, requesting quotes, and submitting an application for coverage. Insurance providers may require businesses to provide information about their vehicles, drivers, and operations in order to determine appropriate coverage and premiums.

Get a Quote for Commercial Auto Insurance Today!

Protecting your business vehicles is essential to ensure the success and longevity of your company. With our commercial auto insurance policies, you can have peace of mind knowing that your assets are covered in case of accidents, theft, or other unforeseen events. Our team of experienced experts is committed to providing personalized and efficient service to help you find the right coverage that meets your needs and budget. So why wait? Get a quote today by calling us at 850-864-2000 or visit our office at 348 Miracle Strip Pkwy SW, Ste 30-A, Fort Walton Beach, FL 32548. We look forward to serving you and helping you protect what matters most.

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