Florida Business Auto Insurance

Lott & Gaylor Insurance has been serving the commercial and business auto insurance needs of Fort Myers, Naples for over three decades. With Florida auto insurance programs ranging from a single vehicle to large fleets and beyond – we can provide an affordable and comprehensive plan that will protect your businesses auto’s.

Business auto insurance is not only an essential part of doing business but it’s something you and your employees depend on every day. Our A.M. Best “A” rated carriers provide quick quoting, comprehensive loss control and fast, fair adjustment of any claims that you may have.

Partnering with an agency that understands your commercial auto insurance needs is just the first step; we leverage our insurance company’s expertise to explore and maintain adequate coverage and and provide options to ensure that nothing is left to chance. Weather, poor road conditions and other drivers are out of your control – having a properly implemented commercial auto insurance policy is. Call today and let us put our knowledge to work for you.

  • Automobile Liability
  • Comprehensive and Collision
  • Medical Payments
  • Uninsured and Under-insured motorist coverage
  • Coverage for rented or borrowed autos
  • Hired and Non-owned Auto
  • Drive-other-car Coverage
  • All types of contractors (HVAC, Roofers, Electricians, etc.)
  • Service, delivery & installation businesses
  • Local & intermediate trucking
  • Hard to place commercial auto
  • Heavy trucks & fleets including gravel and dump trucks
  • Vehicles with specialized equipment
  • Businesses with 2 or more owned autos

Understanding the Terms:

Pays damages due to bodily injury to others for which you are responsible. If you are sued, it also pays your defense and court costs.
Pays damages due to property damage to others for which you are responsible. If you are sued, it also pays your defense and court costs.
Usually pays medical and funeral expenses for bodily injury to a covered person sustained in an accident in your auto.
Pays for a covered auto that is damaged by collision with another object or by upset (turned over).
Pays for a covered auto that is stolen or damaged by causes other than collision or upset.
Coverage pays for injuries, and in some circumstances property damage, when you are involved in an accident with another person who is uninsured or their available limits are less than the limits you chose to carry for this coverage. Many people only carry minimum limits. Would you like to have the same coverage for yourself that you are providing the other person?
Non-Owned & Hired auto liability covers bodily injury and property damage caused by a vehicle you hire (including rented or borrowed vehicles) or caused by non-owned vehicles (vehicles owned by others, including vehicles owned by your employees).
Drive Other Car insurance can provide protection for the executive of a Partnership or Corporation or their spouse when driving a non-owned vehicle, such as a vehicle that is rented or borrowed.