Comprehensive Coverage for All Your Wheels
At Opulence Insurance & Annuities, Inc., we understand that every driver and every vehicle is unique. That’s why we offer a range of customizable auto insurance options designed to meet your individual needs. From standard cars to motorcycles, and even boats, we have you covered.
Standard Auto Insurance
Whether you’re commuting to work or embarking on a weekend getaway, our standard auto insurance provides essential protection for your car, passengers, and financial peace of mind. Coverage includes:
- Liability Coverage – Protects you if you’re found responsible for an accident.
- Comprehensive Coverage – Covers non-collision events like theft, vandalism, and natural disasters.
- Collision Coverage – Pays for damage to your car from collisions.
- Uninsured/Underinsured Motorist – Protection from drivers who aren’t properly insured.
Get covered today! Click the “Request a Quote” button below and get the protection you deserve.
Non-Standard Auto Insurance
If you’ve faced challenges finding auto insurance due to driving history, credit, or other factors, we’re here to help. Our non-standard auto insurance offers affordable and flexible options for drivers who need a second chance on the road.
Why choose non-standard insurance with us?
- Affordable rates, regardless of your history
- High-risk driver coverage
- SR-22 and FR-44 filings made simple
Don’t let past mistakes hold you back. Get your personalized quote today.
Boat Insurance
Set sail with confidence! Boat insurance ensures your vessel is protected on and off the water. From fishing boats to yachts, get coverage for:
- Hull Damage – Covers physical damage to your boat.
- Personal Property – Protects fishing gear, electronics, and personal items on board.
- Liability Protection – Coverage for injury or damage caused to others.
Don’t let a storm sink your plans. Protect your boat with us today!
Motorcycle Insurance
Feel the freedom of the open road knowing you’re fully protected. Our motorcycle insurance is designed for riders of all types, from cruisers to sportbikes. Coverage includes:
- Bodily Injury & Property Damage – Financial protection if you’re at fault.
- Comprehensive & Collision – Covers theft, damage, and accidents.
- Custom Parts & Accessories – Protect your ride’s unique modifications.
Ride free, ride protected. Request your motorcycle insurance quote now.
Commercial/Business Auto Insurance
Protect Your Business On The Road
If your vehicle is used for business purposes, you’ll need specialized protection. Commercial Auto Insurance covers business-owned cars, trucks, and vans used for daily operations. From small business owners to large fleets, we have tailored solutions for every need.
Coverage Highlights:
- Fleet Vehicle Insurance – Coverage for multiple vehicles under one policy.
- Hired & Non-Owned Auto – Protects vehicles used for business but not owned by the company.
- Cargo & Equipment Coverage – Safeguard the tools and materials you carry.
Need business insurance?
What Is Commercial Auto Insurance?
If your business relies on vehicles to get the job done, commercial auto insurance is essential. It provides specialized protection for business-use vehicles that a personal auto policy simply doesn’t cover. From small business owners to large fleets, Opulence Insurance & Annuities, Inc. offers flexible, comprehensive policies to keep your business running smoothly.
Commercial auto insurance applies to:
- Business-Owned Vehicles – Cars, trucks, and vans owned by your company.
- Vehicles Used for Business – Even personal vehicles used for business purposes may require a commercial auto policy.
- Fleet Vehicles – Multiple vehicles managed under a single policy.
What Vehicles Are Covered?
Opulence Insurance & Annuities, Inc. covers a wide range of vehicles used for commercial purposes, including but not limited to:
- Box Trucks – Ideal for businesses that transport large shipments or deliveries.
- Food Trucks – Coverage for mobile kitchens and food service vehicles.
- Work Vans – Essential for contractors, plumbers, and electricians.
- Service Utility Trucks – For HVAC, plumbing, and other field service vehicles.
- Luxury & Sports Vehicles – High-end business vehicles for executives or professional services.
- Fleet Vehicles – Multiple cars, trucks, or vans managed under a fleet policy.
- Utility Vehicles – Specialty vehicles used in unique business operations.
If your business relies on these or similar vehicles, our commercial auto insurance will give you the protection you need.
Why Do You Need Commercial Auto Insurance?
Personal auto insurance policies aren’t built to cover the risks that come with using vehicles for business. Commercial vehicle insurance ensures that you have adequate protection in place when you or your employees are driving for work-related purposes.
Here’s why your business needs it:
- Legal Compliance – Many states require commercial vehicle insurance for business use.
- Business Continuity – Avoid costly downtime if a business vehicle is damaged or out of service.
- Employee Protection – Ensure your drivers and employees are protected while on the job.
Coverage Options Tailored to Your Business
Commercial auto insurance goes beyond standard coverage, providing a range of protections to fit your unique business needs.
Core Coverages:
- Bodily Injury Liability – Covers injuries to others if you or an employee is at fault.
- Property Damage Liability – Pays for damages to another person’s property if you’re responsible.
- Medical Payments / Personal Injury Protection (PIP) – Covers medical expenses for you, your employees, and passengers, regardless of fault.
- Uninsured/Underinsured Motorist – Protects you if an uninsured driver causes an accident with your business vehicle.
- Comprehensive Coverage – Protects against non-collision incidents like theft, vandalism, and weather damage.
- Collision Coverage – Covers damages if your vehicle is in an accident with another vehicle or object.
Additional Coverage Options
Enhance your commercial auto policy with additional protections that help keep your business on track.
- Emergency Roadside Assistance – Flat tire, lockout, fuel delivery, towing, and other on-the-go support.
- Rental Reimbursement – Keep your business moving while your vehicle is being repaired.
- Hired & Non-Owned Auto – Protects vehicles you rent or use for business but don’t own.
- Employee Hired Auto Coverage – Covers employees using personal vehicles for business purposes.
- Auto Loan/Lease Coverage – Covers the difference between what you owe and the car’s depreciated value if your vehicle is totaled.
- New Vehicle Replacement – If your business vehicle is totaled, this option pays for a brand-new replacement.
- Blanket Additional Insured Coverage – Easily add additional insureds, like subcontractors or clients, to your policy.
- Expanded Towing – Covers the cost of towing your vehicle to a preferred location, no matter the distance.
Who Needs Commercial Auto Insurance?
If you use vehicles for business purposes, you likely need commercial auto insurance. Here’s a quick checklist to see if your business qualifies:
- Do you use vehicles to transport goods, tools, or equipment?
- Do employees drive your vehicle as part of their daily duties?
- Do you have a fleet of vehicles used for service calls, deliveries, or business appointments?
- Do you operate box trucks, food trucks, service vans, or utility vehicles?
If you answered “yes” to any of these questions, you need a commercial auto policy.
Why Choose Opulence Insurance & Annuities, Inc.?
Custom Coverage – Options – Policies tailored to your lifestyle and driving needs.
Affordable Rates – Competitive pricing with flexible payment options.
Exceptional Service – Our team is here to support you, every mile of the way.
Ready to protect your ride? Click below to get started with a personalized quote.
Protect Your Journey with Opulence Insurance & Annuities, Inc.
From everyday commuters to weekend adventurers, we have the insurance solutions to protect you on every ride. Don’t wait for an accident to think about coverage — be proactive and protect your future today.