More Deliveries, More Risk: Updating Your Commercial Auto Insurance Before the Holiday Rush

As the holiday season approaches, many Florida businesses experience a rise in deliveries and transportation activity. While this busy time can increase sales and customer satisfaction, it can also expose businesses to more risks.

How the Holiday Rush Can Increase Risk

Heavier traffic, tighter delivery schedules and unpredictable weather all contribute to a higher likelihood of accidents and claims. Delivery drivers may face longer shifts, unfamiliar routes and congested roads, which can make driving more challenging. For Florida businesses, additional factors, such as seasonal storms or heavy rainfall, can further increase the likelihood of vehicle damage or collisions.

The Importance of Reviewing Your Commercial Auto Insurance

Now is a good time to take another look at your commercial auto insurance policy. As your delivery volume increases, your coverage requirements might also change. Here are a few reasons to consider updating your insurance:

• Increased vehicle use—More frequent trips raise the chance of accidents or property damage.
• Temporary hires—Seasonal drivers might not be covered under your existing policy.
• Expanded routes—Deliveries to new areas could expose your drivers to unfamiliar risks.
• Higher value loads—Transporting larger or more valuable shipments may require additional coverage.

What To Consider When Updating Your Coverage

When reviewing your policy, pay attention to these key areas:

• Liability limits—Check that your limits are sufficient to handle potential claims.
• Comprehensive and collision coverage—Make sure your vehicles are covered for accidents, theft and severe weather damage.
• Hired and non-owned auto coverage—If you rent vehicles or allow employees to use personal cars for work, confirm that these are included.
• Driver eligibility—Verify that all seasonal and regular drivers meet your insurer’s qualifications.

Contact Us

The team at Quick Quote Insurance can review your current policy, recommend updates and address questions about commercial auto insurance. Contact us today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.