Many businesses in Sarasota, FL rely on vehicles to get the job done, but not all of them own company cars or trucks. If your employees use personal vehicles for work or your business rents vehicles occasionally, you may need hired and non-owned auto insurance. This specialized coverage protects your business from liability risks that standard policies might not address.

What Is Hired and Non-Owned Auto Insurance?

Hired and non-owned auto insurance is designed for businesses that use vehicles they don’t own. “Hired” refers to rented or leased vehicles, while “non-owned” applies to employee-owned vehicles used for business purposes. For example, if an employee drives their personal car to deliver goods or meet clients, this coverage steps in to protect your business if an accident occurs.

Why Sarasota Businesses Need This Coverage

In a busy city like Sarasota, where businesses often rely on flexible transportation options, hired and non-owned auto insurance is essential. Without it, your business could be held liable for accidents involving rented or employee-owned vehicles. This coverage helps pay for damages, legal fees, and medical expenses, ensuring your business stays protected.

Key Benefits of Hired and Non-Owned Auto Insurance

• Liability Protection: Covers your business if a rented or employee-owned vehicle causes an accident.
• Flexibility: Ideal for businesses that don’t own company vehicles but still rely on transportation.
• Peace of Mind: Ensures your business is protected from unexpected costs related to vehicle use.

Brolly Risk Management is proud to help Sarasota businesses find the right commercial auto insurance solutions. Contact us today to learn more about hired and non-owned auto insurance and how it can protect your business!

For businesses in Sarasota, FL, tourism is more than just a seasonal boost—it’s a cornerstone of the local economy. From beachfront resorts to cultural attractions like the Ringling Museum, Sarasota draws visitors year-round. Many of these businesses rely on commercial vehicles to transport guests, deliver goods, or provide services. With increased vehicle usage comes the need for robust commercial auto insurance to protect against the unique risks associated with serving tourists.

Higher Traffic Volumes Mean Greater Risks

Tourism brings an influx of visitors, which inevitably leads to busier roads. Sarasota’s streets can become congested, especially during peak travel seasons. For businesses operating commercial vehicles, this means a higher likelihood of accidents, delays, and wear-and-tear. Comprehensive commercial auto insurance ensures that businesses are prepared for these challenges, whether it’s a minor fender bender or a more serious incident.

Specialized Coverage for Tourism-Focused Businesses

Many Sarasota businesses cater directly to tourists, such as shuttle services, tour operators, and delivery companies. These businesses often face unique risks, including liability for passenger injuries or damage to goods in transit. Brolly Risk Management, located in Sarasota, FL, offers tailored commercial auto insurance policies designed to address these specific needs, helping businesses stay protected while serving the community.

Protecting Your Fleet During Peak Seasons

For businesses with multiple vehicles, managing a fleet during Sarasota’s busy tourist seasons can be challenging. Increased usage can lead to higher maintenance costs, unexpected breakdowns, and a greater risk of accidents. Commercial auto insurance can help cover repair costs, liability claims, and even downtime, ensuring that your fleet remains operational when it’s needed most.

Tips for Sarasota Businesses Relying on Commercial Vehicles

• Schedule regular maintenance to keep your vehicles in top condition.
• Train drivers on safe practices, especially for navigating busy tourist areas.
• Review your commercial auto insurance policy annually to ensure it meets your needs.
• Consider additional coverage for high-value goods or passenger liability.

By taking these steps, Sarasota businesses can minimize risks and maximize efficiency during peak tourism seasons.

Partner with Brolly Risk Management for Reliable Coverage

Tourism is a driving force in Sarasota’s economy, and businesses that rely on commercial vehicles need insurance they can count on. Brolly Risk Management is here to help you find the right coverage for your unique needs. Visit our website or stop by our Sarasota office to learn more about how we can assist your business.