Getting a referral is the best compliment we could ask for, and it always feels great to know that our hard work has paid off. After all, referrals are the lifeblood of any business, and they’re how we continue to grow and thrive.
Port Saint Lucie Office
| Monday | 9:00 AM - 6:00 PM |
| Tuesday | 9:00 AM - 6:00 PM |
| Wednesday | 9:00 AM - 6:00 PM |
| Thursday | 9:00 AM - 6:00 PM |
| Friday | 9:00 AM - 5:00 PM |
| Saturday | Closed |
| Sunday | Closed |
Bradenton Office
Fax: 941-951-6767
| Monday | 9:00 AM - 5:00 PM |
| Tuesday | 9:00 AM - 5:00 PM |
| Wednesday | 9:00 AM - 5:00 PM |
| Thursday | 9:00 AM - 5:00 PM |
| Friday | 9:00 AM - 5:00 PM |
| Saturday | Closed |
| Sunday | Closed |
Frequently Asked Questions
Yes. Shane Griffis Insurance Agency serves businesses throughout Florida.
Some commercial programs are designed for vehicles operated by customers, renters, or guests. Eligibility and coverage vary by insurance company, which is why it is important to explain exactly how the vehicles will be used.
We have insurance markets that may consider street-legal low-speed vehicles depending on the vehicle, business use, location, drivers, and other underwriting factors.
Yes. We work with commercial golf cart and LSV operations ranging from small businesses to larger fleets.
Yes. Commercial LSV insurance is not limited to large fleets. We can explore options for businesses and property owners with a single vehicle as well as companies operating many vehicles.
Potentially, yes. Providing a golf cart or LSV to paying guests creates a commercial exposure, so it is important to use an insurance program that permits the intended use. Our team can review the situation and determine what options may be available.
Think of your trucking insurance premium on a risk meter. The more potential risk an insurance carrier views the higher the premium. Here are the major factors when a carrier determines your rate:
- Your Drivers History:Â A clean driving record in any case will help you secure a much lower rate v.s a driving record which has a history of accidents, violations, and more.
- Business Timeline:Â How long you’ve been in business is a huge factor to determining the premium price. In most cases, businesses with over 2 years will receive a much lower premium than businesses that have less than 2 years.
- Cargo:Â What you haul in your truck and how heavy it is being hauled will impact the risk level which will change the premium.
- Location + Operating Radius:Â The longer the operating distance the higher the premium will usually be. Longer distance means more risk because a driver has an increased risk of accidents, falling asleep behind the wheel, loosing focus on the road, and changing weather conditions throughout different areas.
- Vehicle Type:Â Â The heavier the truck, the more the premium will increase. Heavy truck means more risk in event of an accident.
Commercial truck insurance rates are high because insurance companies know that there’s a higher risk of injury and accidents.  Why have the rates risen in the past decade? US Commercial truck insurance rates have risen dramatically over the past few years due to the numerous cases of accidents caused by commercial trucks due to inattentive driving as well as a decreased supply of drivers.
All insurers charge different rates for new trucking companies and owner-operators. You are legally allowed to start a trucking company without a CDL, but if you plan on driving the truck, it is a requirement to have a CDL. Premiums are generally higher when it is not owned by an individual who drives.
Doing your research upfront, taking good care of your truck, and looking for the least expensive coverage available are three ways to save money on trucking insurance.
- Keep your driving record extra clean to get better rates on your auto insurance policy.
- Look into other cheaper options outside of traditional captive insurance agencies. We are an independent insurance agency which means we can quote from a variety of insurance carriers.
Other factors in premium include what you’re hauling, driving radius, time in business, # of trucks, type of trucks, tickets/accidents, the driver(s) history and experience.
Don’t see your question? Contact us.
