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Commercial Insurance Quotes in West Palm Beach, FL

Lourdes Martinez, Agent


937 Belvedere Rd
West Palm Beach, FL  33405
Fax : 561-640-9803

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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 561-640-9890 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 West Palm Beach 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 West Palm Beach 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 561-640-9890

About Commercial Auto Insurance in West Palm Beach, 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 West Palm Beach 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 West Palm Beach.

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, Lourdes Martinez at GreatFlorida Insurance West Palm Beach, 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 West Palm Beach can help you find the right Commercial Auto or Truck Insurance policy at the right price.
Florida Commercial  Insurance Blog
by GreatFlorida Insurance

Self-storage is a $38 billion a year industry. According to Sparefoot, an online source for self-storage information, over nine percent of households rent a self-storage unit. While Floridians spend an average of $88.68 a month on storage unit rent.

The Self-Storage Association reports half of all units are rented for a year. Many people find storage units a temporary solution during a move or while in transition. “A lack of attics and basements in Florida homes might leave you short on storage space,” says Ellsworth Buck, Vice President of Great Florida Insurance, Florida’s largest independent homeowners insurance agency.

However, not all storage rentals are temporary. 30 percent rent for two years or more. Of longer term renters, fifty percent are simply storing what does not fit in their home.  And others have sentimental items they emotionally cannot deal with. While some are storing items they no longer need or even want. Often, long term self-storage renters forget what is in the storage unit.

Whether you appreciate your self-storage unit or loathe it, make sure your items are insured. Before renting a storage unit, contact your insurance agent or review your homeowners insurance or renters insurance. Your homeowners insurance or renters insurance policy may protect your items in storage.

“When you sign up to rent a storage unit, the self-storage company may try to sell you insurance, but chances are you already covered,” says Ellsworth Buck, Vice President of Great Florida Insurance, Florida’s top independent homeowners insurance agency.

Check if your policy covers items that are stored at an alternate location other than your home. While a renters insurance policy or homeowners policy will cover your belongings, it might not cover them as fully as the ones kept in your home.

Stored belongings might only be covered by a small percentage. A homeowners insurance or renters insurance policy usually protects personal property up to 10 percent of the amount of coverage in your policy.

Exclusions your homeowners or renters policy might not cover include flood or water damage, mold and mildew as well as losses incurred from the failure to maintain the unit properly, which is the responsibility of the storage company.

If you are storing a valuable collection, you might require a personal liability or umbrella policy for additional coverage and peace of mind.  If you plan to keep a vehicle, motorcycle or ATV, you will most likely require separate auto insurance.

To properly safeguard your things selecting a storage facility to suit you and your belongings. Make sure to look for the following when shopping for a unit.

Gated facilities

24/7 security camera

Keypad access or a lock with short arms resistant to bolt cutters

Inspect the unit for pests or leaks before renting.

Choose a climate controlled unit that will protect against mold and mildew.

Do an inventory of what you have in storage along with the estimated value of each item and a picture.

The post Self-storage, a blessing or a curse? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

The Florida Highway Patrol reports recently, that an elderly man was driving the wrong way on a Florida highway in an RV. The RV struck a truck head on, killing the truck driver and passenger. Three days later, the RV driver also passed from his injuries. Not only was the senior driver driving the wrong way, his lights were not on at the time of the crash. 29 days before the accident, he passed a driving test in his home state of Michigan.

After hearing a tragic story like this, it’s tempting to set age restrictions on a driver’s license. “Keep in mind, people age at differing rates,” reminds Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent auto insurance agency. One 75-year-old can barely get out of bed in the morning, while another person the same age, does yoga and goes for a run.

A decline in vision, cognitive functioning (the ability to reason and remember), physical limitations along with medical conditions and prescription medication can hinder the ability to drive. The most common condition the Department of Motor Vehicles (DMV) decides to restrict a license is for failing cognitive skills including memory, coordination and flexibility.

Although, more options are available for aging drivers. “Driver programs and car innovations are readily available to meet the challenges of senior drivers,” said Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

For example, The Florida Department of Highway Safety and Motor Vehicles (DHSMV), has developed the Florida GrandDriver program for aging drivers. It is an education and outreach initiative that provides information and resources on driving safely and how to plan for safe transitioning from driving. Also, Driver Rehabilitation Specialists offer refresher courses to keep driving skills sharp.

While it is important for senior drivers to maintain their driving independence, eventually elderly drivers and their family must have the difficult conversation about when driving capabilities are beginning to diminish and causing potential danger for others on the road and themselves. Consumer Reports found safety is the biggest motivator for handing over the keys.

How do you know it is time to have that awkward discussion with your loved one? AARP, has some warning signs that indicate a person should begin to limit or stop driving.

Delayed response to unexpected situations.

Becoming easily distracted while driving.

Decrease in confidence while driving.

Having difficulty moving into or maintaining the correct lane of traffic.

Hitting curbs when making right turns or backing up.

Getting scrapes or dents on car, garage or mailbox.

Having frequent close calls.

Driving too fast or too slow for road conditions.

The DHSMV requires that Florida drivers age 80 or older who renew their license undergo a basic vision test.


The post Too old to drive? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

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

“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

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

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

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.


  • 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.


  • 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 for a free quote.



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