Carpenter Insurance is the Florida Panhandle’s top independent commercial auto insurance agency. We are not a one company fits all agency, we work with several top carriers and offer customized solutions to make sure you get the very best commercial auto insurance coverage for your business at the lowest possible price.
Our licensed commercial auto insurance agents will work with you to design a policy that fits the needs of your business with coverage levels and options to make sure you are protected without purchasing unneeded coverage.
Our commercial insurance carriers cover everything from cars & pick-ups to dump trucks. We can cover delivery vans, utility truck conversions, tow trucks and commercial trailers as well.
Commercial Vehicle Insurance Coverage Options*
Liability insurance – Pays for injuries and damages that you cause to other people and their property.
Bodily Injury insurance – Pays for injuries that you cause to people.
Property Damage insurance – Pays for damage that you cause to other people’s property.
Medical Payments insurance – Pays medical bills for you and any passengers in your vehicle in case they are hurt in an accident or auto-related injury.
Collision insurance – Pays for repairs to your vehicle caused by an accident less any deductible.
Comprehensive insurance – Pays for repairs to your vehicle caused by outside forces such as vandalism, theft or hail less any deductible.
Uninsured/Underinsured Motorist insurance – Pays for damages to you and your vehicle caused by drivers who don’t have insurance or don’t have sufficient insurance. Also protects you in case of a hit-and-run.
Additional Commercial Vehicle Insurance Options*
Single Deductible – Saves you from paying multiple deductibles for a single accident where both your vehicle and a trailer, or additional insured equipment, are damaged.
Non-Owned Vehicle – A collection of coverage that extend your company’s commercial automobile insurance to protect you and your employees when you’re driving a vehicle not owned by the company.
On-hook Towing Liability – Provides physical damage coverage for a towed auto for which you are legally liable for damaging provided the property damage is caused by either fire, explosion or collision.
Rental Reimbursement – When your vehicle is disabled due to a covered loss, this coverage helps pay for costs you may incur for having to rent a car during the time your auto is being repaired.
Additional/Custom Equipment – Covers loss to custom equipment or features which were not installed by the original manufacturer. Special/custom paint finishes, pick-up covers, caps/shells, special tires/wheels, furniture, special carpeting, paneling and stereo systems are examples of equipment protected by this coverage.
*See specific policies for coverage, limitations & exclusions
Types of Commercial Vehicles Covered
- Agricultural truck
- Box or straight truck
- Bucket truck
- Car carrier
- Cargo Van
- Catering truck
- Cement mixer
- Delivery van
- Dump truck
- Flatbed truck
- Ice cream truck
- Motor home
- Passenger van
- Pickup with fifth wheel
- Pump truck
- Refrigerated truck
- Sport utility vehicle
- Stake body truck
- Street Sweeper
- Step van
- Tank truck
- Tow truck
- Truck tractor
- Wheelchair bus
- Wheelchair van
Types of Commercial Trailers Covered
- Auto hauler
- Bottom up or side dump trailer
- Bulk commodity trailer
- Concession trailer
- Dry freight trailer
- Dump body trailer or transfer box
- Flatbed trailer
- Gooseneck trailer
- Horse trailer
- Livestock trailer
- Logging trailer
- Low-boy trailer
- Pole trailer
- Refrigerated dry fright trailer
- Tank trailer
- Tilt trailer
- Travel trailer
- Utility trailer
Complete the form below to request a quote, or for faster service,
call us from 8am-5pm Mon-Fri at (850) 939-7777.