GreatFlorida Insurance - Heather Reichle - North Port Insurance

Commercial Insurance Quotes in North Port, FL

Heather Reichle, Agent

941-564-6540

3335 Bobcat Village Center Rd
North Port, FL  34288
Fax : 941-564-6547

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What is Commercial Auto Insurance?

GreatFlorida Insurance offers commercial auto insurance (e.g., truck insurance) policies to protect against liabilities for property damage and bodily injury.

You can’t control what people do behind the wheel, but you can give yourself optimum protection with a sound insurance policy.

Florida commercial auto insurance insures your vehicles for physical damage and liability coverage for amounts, situations and usage not covered by a personal auto policy.

This type of business insurance covers a variety of vehicles and is also referred to as commercial car insurance, truck insurance, or fleet insurance.

Whether you currently own a business or are a prospective business owner, you can get a Free Commercial Auto Insurance quote today. 

Simply call 941-564-6540 or complete our online quote request form.

Our Agents at GreatFlorida Insurance will help you find affordable Florida Commercial Auto Insurance to protect you and your business.

Why do you need Commercial Auto Insurance?

In general, if an auto is used in tasks related to the operator's occupation, profession or business, other than commuting, a commercial policy is necessary. 

This is because many business uses and auto types may be excluded from personal policies.

  • If you are using your auto to transport goods or people for a fee or if you use your auto to conduct a service, you may need a commercial auto insurance policy.

  • A commercial auto policy may be appropriate if you need higher limits of liability because of the nature of your work.

  • Hauling a considerable weight in tools or equipment or towing a trailer used to conduct your business may require a commercial auto insurance policy.

  • A commercial insurance policy may be needed if employees operate the auto or if ownership is in the name of a corporation or partnership.

Your GreatFlorida Insurance Agent in North Port can help you determine the coverage you need based on how your vehicles are used in conducting your business and who will be driving your vehicles.

What does Commercial Auto Insurance cover?

Florida Commercial Auto insurance, like your personal auto policy, provides similar coverages such as liability, collision, comprehensive, medical payments (or personal injury protection) and uninsured motorists coverage.

However, there are also differences between a commercial auto insurance policy and your personal auto policy that may include eligibility, definitions, coverages, exclusions, and limits. Most Commercial Auto policies are "named driver only" policies, meaning only those drivers listed on the policy can operate a covered auto.

What are the coverages?

  • Bodily injury liability coverage – This pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense.

  • Property damage liability coverage – Property damage liability coverage provides you with protection if your car accidentally damages another person’s property. It also provides you with a legal defense.

  • Combined single limit (CSL) – Liability policies typically offer separate limits that apply to bodily injury claims for property damage. A combined single limits policy has the same dollar amount of coverage per covered occurrence whether bodily injury or property damage, one person or several.

  • Medical payments, no-fault or Personal Injury Coverage – This extremely important coverage usually pays for the medical expenses of the driver and passengers in your car incurred as a result of a covered accident regardless of fault.

  • Uninsured motorist coverage – This coverage pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.

  • Comprehensive physical damage coverage – This pays for damage to or replacement of your car from theft, vandalism, flood, fire, and other covered perils.

  • Collision coverage – Just like the name sounds, this pays for damage to your car when it hits or is hit by another object.

Are there commercial truck insurance policies available?

Yes. Your GreatFlorida Insurance Agent in North Port wants to protect you from liabilities related to your commercial truck(s). Your business may qualify for coverages such as:

  • Tow truck insurance: If your business involves towing vehicles, you’ll need special policies in place. These include On Hook Towing (to cover damages caused to vehicles that you tow) and Garagekeeper’s Legal Liability (covers your business when you store cars for parking or service).

  • Bobtail or non-trucking liability insurance:  This type of coverage protects your vehicle if you’re using it for personal use and you are involved in an accident.

  • Motor truck cargo insurance:  Does your business involve moving cargo? You’ll need a special policy to protect you in the event that damages are caused to the cargo.

Types of vehicles covered

Commercial Auto Insurance covers a variety of vehicles that you rely on to serve your customers.  Often times, these vehicles include trucks such as:

  • Garbage trucks
  • Dump trucks
  • Flatbed trucks
  • Box trucks
  • Tank trucks
  • Tow trucks
  • Front loader trucks
  • Pickup trucks
  • Semi trucks

Additional vehicles include:

  • Vans
  • Cargo vans
  • SUVs
  • Cars

Contact GreatFlorida Insurance for a complete list of commercial and truck insurance vehicle coverages.

Are there limits on who can be covered by a commercial auto insurance policy?

Yes. To secure a commercial auto insurance policy or truck insurance policy for your business, your employees will need to have clean driving records (i.e., no violations or points on the license). 

Flexible payment plans

GreatFlorida Insurance offers a variety of payment options to keep your business on the move.  Commercial auto insurance and truck insurance policies don’t have to financially inconvenient. Our policyholders benefit from premium payment plans.

Additionally, we accept several forms of payment.

Get a Quote Online
Call 941-564-6540

About Commercial Auto Insurance in North Port, FL

Whether you use your own car or oversee a fleet of vehicles, GreatFlorida Insurance offers commercial auto insurance to keep things moving forward when the unexpected occurs.

Our experienced agents in North Port can present you with options for commercial auto coverage limits and deductible amounts to fit your budget and needs.

Even if you do not own company cars but an employee uses their own vehicle for work, you could be responsible for any accidents they cause.  

Keep your business and employees protected by signing up for dependable and affordable commercial auto insurance in North Port.

Do not let your business skip a beat when an accident occurs. GreatFlorida Insurance can partner with you to have a secure commercial auto policy in place.

GreatFlorida Commercial Auto or Truck Insurance can guard your business by helping you invest into the right insurance policy. If you are using your own car for small tasks or you own a fleet of vehicles, Heather Reichle at GreatFlorida Insurance North Port, FL has options to conform to your long term business goals.

GreatFlorida Insurance can guide you through the process of setting up suitable Commercial Auto or Business Insurance coverage for your company. We offer competitive rates from A+ rated insurance companies to fit into your business' needs.

Your local GreatFlorida Insurance Agent in North Port can help you find the right Commercial Auto or Truck Insurance policy at the right price.
Florida Commercial  Insurance Blog
by GreatFlorida Insurance
2/21/2018

Across the country hearts are heavy, grieving the tragic school shooting in Parkland, Florida. “These tragedies impact our communities-our parents, our children, our school professionals, our first responders-the mental health of our whole country,” reminds the professionals with the National Alliance on Mental Illness.

“Even if someone is not involved directly traumatic events, especially within our state, burden our hearts and minds,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent health insurance provider.

Many people experience sadness, anxiety or anger. Some have trouble sleeping and difficulty concentrating. Their minds are dominated by the details of the event. These symptoms typically decrease over time.

Effective and healthy ways to cope during this time include:

Talking to your children about the incident, discuss how it makes them feel.

Limit news and social media exposure. Continuous exposure causes a person to relive the trauma. Also, descriptions and images in the media can cause fear in kids going to school.

Maintain your normal routine.

Connect with people in positive ways. Talk with people and take the time to listen to others. Tell people you care about that you love them.

“Doing something for others can help you channel stressful feelings,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent health insurance provider.

However, the National Institute of Mental Health (NIMH), points out that in some cases the anxiety will continue and interfere with everyday life. For people who continue to experience the effects of trauma, it is important to get professional help. Signs to look for include the following:

  • Worrying a lot or feeling very anxious, sad or fearful
  • Crying often
  • Having trouble thinking clearly
  • Having frightening thoughts
  • Feeling angry
  • Having nightmares or difficulty sleeping
  • Avoiding places or people that bring back disturbing memories and responses.

Our world seems to be experiencing tragedy and stress on a more frequent basis. Be sure to slow down and be kind to yourself as well as others.

The post Coping with tragedy appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
2/7/2018

“Cell phones are no longer just phones, but so much more,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

They store our calendars and photos, provide access to our favorite stores and emails. Checking our cell phones on a regular basis has become a habit for many. However, the lure of instant information is an unhealthy attachment and cell phone addiction is real.

A poll conducted by the non-profit, Common Sense Media found 50 percent of teens feel like they are addicted to their mobile devices, with 78 percent admitting to checking their devices at least hourly. Nevertheless, this is not only a teen problem. The study reports 27 percent of adults feel they are addicted to their mobile devices with 69 percent checking them at least hourly.

What is wrong with a cell phone habit?

Countless studies show too much time on your cell phone is bad for your focus and mental health. “Most people check their phone every 15 minutes or less, even if they have no alerts or notifications,” Larry Rosen a psychology professor and author of The Distracted Mind, tells CNBC. “We’ve built up this layer of anxiety surrounding our use of technology, that if we don’t check it as often as we think we should, we’re missing out.”

Additional health issues that can develop from cell phone addiction include, poor posture which affects your spine respiratory functions and even emotions. Also, sleep. The blue light emitted from your phone can stop melatonin production in your body. Melatonin is the hormone that makes us feel sleepy and regulates out circadian rhythm. Sleep is essential to our health, especially the health of teens who are still developing.

“Aside from health and mental health problems, cell phone use continues when many drivers get behind the wheel,” reminds Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent auto insurance agency.

Nearly half of adults in the U.S. admit to reading or sending a text while driving. Almost one in three teens ages 16 to 17-years-old said they have texted while driving.

How to ween yourself and your family?

Below are some tips on how to disconnect from your cell phone.

Do not sleep with your phone. If you need an alarm clock, buy one. Do not depend on your phone. Place it away from your nightstand or bed.

Stop alert notifications. Designate a time to check in and stick to it.

Utilize the “Do Not Disturb” setting on your iPhone or place your phone to the airplane setting for a break from screen time.

When spending time with your friends and family, put it away so you won’t see it or hear it.

Try a detox. Set aside a weekend or holiday where you turn the phone off and put it away. Do not pick it up for a couple of days.

The post Cell Phone Addiction appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
1/30/2018

Most people do not look forward to filing taxes, especially with a new tax law in place for the first time in decades. Those changes can induce confusion and stress. This will be the last year for several tax credits as well as the beginning to benefit from some new ones.

Several tax credits are eliminated for the 2018 tax year. However, they are still available for your 2017 tax return.  “This will be the last year to take advantage of some deductions, so it’s important not to miss out on them,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

Investing information company, The Motley Fool, reports this will be the last year to take advantage of the following tax breaks.

Personal exemptions

Property tax deductions

Mortgage interest deduction on home equity loans

Moving expenses

Unreimbursed employee expenses

Tax preparation fees

Investment-related legal and accounting fees

Job search costs

While several tax breaks will expire after this year, there are new ones are available for this year’s returns. “This year is unique with overlapping changes, so make sure your taxes are filed correctly, to avoid overpaying the IRS,” warns Buck Vice President of GreatFlorida Insurance, Florida’s top independent homeowners insurance agency. Error rates for returns filed on paper are at 21 percent, while error rates for those filed electronically are less than one percent.

Some changes in tax deductions and credits are listed below.

Tax brackets expand. According to personal finance resource, GOBankingRates, “the federal income tax system uses a progressive tax structure, meaning that as you earn more income, your tax rate goes up as well.”

The Standard deduction, will experience a slight increase.

Health savings account– an increase to the contribution limit.

Earned income tax credit– the maximum income you can have while still qualifying for the EITC increased for each filing status. Also, you can have up to $3, 450 of investment income annually while still qualifying for the EITC.

Retirement savings credit-there is an increase in income limits.

Increased employer-paid parking or transit tax breaks

If you are looking for affordable and reliable homeowners insurance, give GreatFlorida Insurance a call.

The post Changes this tax season appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
1/24/2018

An appeal of Florida’s current No-Fault/Personal Injury Protection(PIP) system for auto insurance, is gaining momentum this legislative session. The Florida House voted 88-15 to repeal the State’s PIP system.

“For some time, Florida lawmakers have argued over eliminating PIP and replacing it with a fault-based system,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance company.

Under House Bill (HB19) drivers would be required to purchase bodily-injury liability coverage at $25,000 per person and $50,000 per accident. According to a 2016 actuarial study commissioned by the Florida Office of Insurance Regulation, drivers could save up to $81 per vehicle.

“While the House and Senate both look to eliminate No-Fault auto insurance coverage the version of their proposed bills are quite different,” says Buck with GreatFlorida Insurance, Florida’s top independent auto insurance company.

The Senate proposal (SB 150) would replace the PIP system in 2019 requiring all drivers to carry bodily injury coverage of $20,000 per person and $40,000 per accident as well as mandatory medical payment coverage(MedPay), of $5,000. Coverage would increase to $30,000 per person and $60,000 per accident after three years. Under the Senate bill, Florida drivers could see and increase or decrease depending on the area they live. Opponents of the Senate bill are concerned about the cost increase to drivers. They also believe requiring mandatory medical payments is unnecessary for those with current health insurance plans.

No-Fault auto insurance was designed to reduce litigation across the state by creating money for anyone injured in a crash. Unfortunately, it created a flood of lawsuits which lawmakers hope to eradicate with the repeal. Since Florida’s adoption of a No-Fault system, fraudulent claims have cost the state a tremendous amount of money. In a report from The Division of Insurance Fraud, they found a 275% increase in fraud auto claims between 2007-2012. In 2012, duplicitous auto claims cost the state over $1 billion, driving the cost of insurance premiums higher for Florida drivers.

The post Big changes to Florida auto insurance? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
7/6/2015

This year’s Florida legislative session was filled with hostility and drama. The standard 60-day session ended three days early due to contention between the House and Senate on Medicaid Expansion. Without a state budget passed, a Special Session was called June 1 -20. An early end to the session, along with a stalemate, doomed many bills. This year there were many proposal casualties.

PASSED – NEW LAWS

  • Ticket quotas cannot be used to generate revenue for police departments.
  • States, counties and cities can only buy American made flags- a patriotic move
  • Attention craft beer lovers, 64 ounces of beer, known as “growlers” can finally be sold in Florida.
  • Drones cannot take pictures on private property; violators will not be arrested but can be sued.
  • Gay people can adopt children.
  • Florida school districts can start the school year as early as August 10.
  • Scale back testing in public schools
  • Tax cuts-about $400 million in tax cuts with sales tax holidays and a tax cut to cable, TV and cellphone services.

CASUALTIES
florida-public-employees-legislature1

  • Comprehensive state water policy
  • Medicaid Expansion
  • Prison Reform
  • Texting while driving considered a primary offense
  • Abolishment of the death penalty
  • Equal pay for women on state contracts
  • Education– school choice, eliminating sales tax on student textbooks, mandatory uniforms for K-8, a minimum $50,000 salary for new teachers, concealed weapons to be carried by designated employees on school property in K-12 schools, ban on concealed weapons on college campuses
  • Undocumented immigrants to obtain a driver’s license.
  • Tupelo honey designated as the official state honey
  • Expansion of gambling- a victory for Disney and other’s wanting to maintain a family friendly state environment
  • Legalization of medical marijuana

GreatFlorida Insurance has been serving Florida since 1991. Dedicated to helping Floridians make informed decisions about their insurance, we offer professional service and affordable insurance. GreatFlorida Insurance specializes in:  auto insurance, homeowner’s insurance, boat insurance, motorcycle insurance, commercial insurance, renters insurance, health insurance and umbrella insurance.

Our knowledgeable agents have 115 offices located throughout Florida. Reliability is a must for our customers. We provide 24-hour service, 7 days a week, 365 days a year. The right insurance coverage can give your clients peace of mind, knowing their investment is protected.

Call 888-478-7801 to talk to a local agent or go online to www.greatflorida.com for a free quote.


 

Sources: http://politics.heraldtribune.com/2015/05/06/legislature-sets-special-session/
http://www.forbes.com/sites/instituteforjustice/2015/05/18/florida-finally-legalizes-64-ounce-growlers/
http://www.tampabay.com/news/politics/stateroundup/what-passed-what-failed-in-floridas-2015-legislative-session/2234411

The post 2015 Legislative Session- What Passed What Failed? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
6/24/2015

Getting a ride somewhere has been made easier than ever thanks to ride-sharing programs such as Uber and Lyft. The apps are convenient, but what happens if you are in an accident? Who is responsible for the damages is the source of debate in Florida.

Uber states, “From the moment you are picked up until you are dropped off, you are covered under our commercial liability insurance, every trip in every city.” Uber and Lyft riders are covered under a one million dollar policy that covers riders. This is more auto insurance coverage than taxis or limos. They also have added uninsured and under insured motorist coverage.

According to The Insurance Journal, the Florida Office of Insurance Regulation, Deputy Chief of Staff, Monte Stevens said the Uber policy meets the state insurance requirements. So what is the problem?

“The uncertainty comes into play for drivers, when they are logged into the app but are waiting for a rider,” said Ellsworth Buck, Vice President of GreatFlorida Insurance. “During this period, a driver’s personal car insurance is responsible for damages. Unfortunately, many personal auto insurance policies would be likely to deny the claim because the driver is logged into the app, so it would fall into the commercial driving category. During that time Uber’s policy is “contingent,” leaving gray area.”

Many Florida lawmakers are arguing, “Is this considered a taxi service or carpooling service?’  The state is deliberating new insurance requirements and ride-sharing regulation. Uber is hoping to get the issues picked up in the special June legislative sessions but it is unlikely that ride-sharing will be addressed by lawmakers until the 2016 session.

If you are a ride-sharing driver, agents at GreatFlorida Insurance can make sure you get the proper coverage for you and riders. Contact us today to discover all the auto insurance and commercial insurance options available for you.Screen-Shot-2015-01-20-at-8.06.44-AM

Lyft-insurance

The post Uber and Lyft Could Leave You Uncovered appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
5/20/2015

Each year many Florida drivers commit a transgression resulting in the loss of their driver’s license. Thankfully, forgiveness is extended by the state in the form of an SR22 or FR44. To help get their license get reinstated and put drivers back on the road, GreatFlorida Insurance has launched a new website, SR22.greatflorida.com.

The new website provides information specific for Florida drivers who find themselves in need of an SR22 or an FR44. “Our insurance company has been providing  auto insurance to high risk drivers in Florida for years, despite the reluctance of many insurance companies to deal with these challenging circumstances. We feel the new website will share with the public our services and help by providing accurate information that is exclusive to Florida motorists,” said Ellsworth Buck, Vice President of GreatFlorida Insurance.

A popular misconception about an SR22 and FR44, they are not insurance but actually a certificate of financial responsibility. It informs the state that you have purchased the appropriate insurance limits required to drive. The certificate is filed by your insurance agent electronically directly to the state. This alerts the state that you are maintaining continuous insurance coverage.

An SR22 can be mandated by the courts for a number of reasons including: excessive tickets and previously driving without insurance. Florida is one of the few states that necessitates an FR44. An FR44 is mandatory for those who have committed a DUI. While they detail new and possibly higher insurance limits, neither of the certificates place restrictions on your driver’s license.

Florida SR22 Insurance

For more information on obtaining an SR22 or FR44, you can visit the new website, http://sr22.greatflorida.com/, where you will find answers to many of your questions.

GreatFlorida Insurance is insurance for Floridians by Floridians. Since 1991, we have faithfully served Florida residents and their insurance needs. Unlike many insurance companies in the state, we are a network of independent, franchised insurance agents located in communities across Florida. This means we are not bound to one company to fulfill your insurance requirements, but we can shop around to find the best coverage and price for you. This flexibility allows GreatFlorida Insurance agents to craft a custom insurance policy specific for your needs, not just offer a standard insurance policy.

GreatFlorida Insurance provides homeowners insurance, auto insurance, health insurance, boat insurance, motorcycle insurance, renters insurance, commercial auto insurance and umbrella insurance. We are dedicated to providing our customers professional, prompt and courteous service. We work with reputable insurance carriers across the nation such as: Travelers, Progressive, Nationwide and more.

It is savvy to make informed decisions about your insurance. GreatFlorida agents are there to guide you every step of the way by giving you options and simplifying the process of buying insurance. Contact us online or give us a call today.

 

 

 

 

 

The post Have you lost your Florida Driver’s License? Forgiveness awaits. appeared first on The GreatFlorida Insurance Blog.