Meridian Auto Insurance Review

Meridian Auto Insurance was founded sometime between 2006 and 2007 in Boca Raton, FL. The company primarily specializes in group coverage and commercial insurance policies. Catering directly to the business community, Meridian focuses especially on providing coverage for small and medium sized businesses in all industries. Meridian maintain their focus on the Southeast, providing an office for Georgia residents in Alpharetta.

If you are looking for discount auto insurance rates, make sure you use our FREE auto insurance comparison tool. All you have to do is type in your ZIP code.

Meridian: An Insurance Broker

Meridian Auto Insurance is an insurance broker, which means that you’re not going to be buying Meridian products so much as buying insurance products through Meridian. It’s very important to know how to buy auto insurance from a broker. Meridian sell a wide variety of insurance products from a wide range of insurance providers, including the following:

• Zurich in North America
• Fireman’s Fund
• Progressive
• Travelers Insurance

Auto and Business

Focusing primarily on business insurance, Meridian sell a lot of surety bonds and general liability policies, but that’s not to say that they don’t provide any auto insurance policies. However, their auto insurance policies are not for personal passenger vehicle drivers, but for businesses.

It’s possible to get covered as a driver of a personal passenger vehicle on a policy bought through Meridian, but only in the event that your employer is offering such an option to you. They also provide a range of products including life insurance and homeowners insurance.

All of these policies, again, are available to individuals, but only through their employer or their business. Meridian does not sell directly to private insurance buyers, but to businesses who may wish to extend the coverage to their employees.

Worker’s Compensation

If you are starting a business, then it may not be a bad idea to call Meridian or a similar company and get some quotes. Any business with more than four employees is legally required to carry worker’s compensation insurance in case anything happens on the job and the employer can be held responsible.

This is not only a legal requirement, it’s also just common sense. If you have a business large enough to require five or more employees, then you would be foolish not to do everything that you can do to protect that business, including providing your employees with worker’s compensation if they suffer an injury in the line of duty.

In Florida, you actually need to buy worker’s compensation insurance even if you only have one employee and you work in the construction industry. Worker’s compensation can be expensive for new business owners, so it’s a good idea to maintain balance and pace yourself in expanding your business. If you can’t afford worker’s compensation, then you probably don’t want to hire your fifth employee any time soon.

That said, worker’s compensation is a situational consideration. Someone who owns a transportation business, for instance, will be paying a very different price for their worker’s compensation insurance than someone who owns, say, a rental business or a fast food restaurant.

Transportation Business Insurance

Insurance for people in the transportation industry is a specialty with Meridian. The company helps business owners buy customized packages from one of many insurance carriers. These policies cover everything from limousine fleets to yachts to damage coverage and on and on.

Because Meridian works with several insurance providers and shows you quotes from the best ones, it’s hard to go wrong with the insurance that they can provide for you.

Discounts and Affordability

At the end of the day, the question to ask yourself about any insurance provider is whether or not what they provide is worth what they’re asking. We’re happy to report that Meridian actually offers all of this at some surprisingly reasonable rates.There are many ways to save on auto insurance rates.

Through a series of discounts and special deals, Meridian offers low prices for business owners, as well as lower rates for employees who wish to buy their insurance for their own cars and homes through their employer’s policy.

In fact, Meridian encourages multiple policies and group coverage and literally goes out of their way to stack discount on top of discount to make sure that their customers are getting the coverage that they need at a price that they can afford.

Clearly, you need to do a lot of comparison shopping before settling on any one insurance company, but in any event, Meridian is one to consider if you are buying insurance for your business. If you need a comprehensive search for auto insurance, make sure you check out our FREE auto insurance comparison tool.