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Commercial Auto Insurance in Florida

Coverage for the trucks, vans, and cars that keep your business moving, including the gaps a personal auto policy can leave.

Get My Free Commercial Auto Quote or call (813) 603-8714

Free and no obligation. About 2 minutes. Your information is never sold.

Who Needs It

Contractors with work trucks and trailers
Delivery and service vans
Businesses with company cars
Landscapers and pool service routes
Employees driving their own cars for work
Small fleets of any size

What It Covers

A commercial auto policy is built from a few core parts. We'll match them to how your vehicles are actually used.

Liability: Pays for injuries and property damage you cause to others in an accident.
Personal Injury Protection: Florida's required no-fault coverage for medical bills and lost income.
Collision: Repairs your vehicle after an accident, regardless of fault.
Comprehensive: Covers theft, vandalism, fire, falling objects, and storm damage, including flooding.
Uninsured Motorist: Protects you when the at-fault driver has little or no insurance.
Hired and Non-Owned Auto: Covers liability when employees drive rented vehicles or their own cars for your business.

Using your truck or van for work?We'll compare carriers and walk you through your options in plain language.

Get My Free Commercial Auto Quote

What It Doesn't Cover

Straight answers up front, so there are no surprises at claim time.

Tools in the vehicle. Equipment stored in your truck needs tools and equipment coverage
Cargo. Goods you haul for others need separate cargo coverage
Wear and tear. Maintenance and mechanical breakdown aren't covered
Unlisted drivers. Coverage can be limited if someone drives who isn't disclosed on the policy

What Florida Business Drivers Should Know

State minimums are lowFlorida currently requires $10,000 in personal injury protection and $10,000 in property damage liability on registered vehicles. Most businesses and contracts need much higher limits.
Heavier trucks need moreFlorida sets higher liability minimums for commercial vehicles starting at 26,000 pounds: $50,000, $100,000, and $300,000 per occurrence as weight increases.
Crossing state linesVehicles used in interstate commerce may also have to meet federal insurance requirements.
Personal policies have gapsPersonal auto policies may limit or exclude business use, which can leave you exposed after an accident on the job.

The Gap Most People Don't Know About

If an accident happens while you're working and your personal auto carrier decides it was business use, you could be left handling the claim yourself. A commercial policy removes that question.

What Affects Your Price

Every quote is different. These are the biggest factors carriers look at.

Vehicle type, weight, and value
How far and where vehicles are driven
Driver ages and records
Number of vehicles
Limits and deductibles you choose

Because we're independent, you see real options from multiple carriers instead of a single take-it-or-leave-it price.

Common Questions

Can I just use my personal auto policy for work?

Often not fully. Personal policies may limit or exclude business use, especially for work trucks, hauling, or driving between job sites.

My employees drive their own cars for errands. Am I covered?

Not automatically. Hired and non-owned auto coverage protects your business when employees use personal or rented vehicles for work.

Are my tools covered if my truck is broken into?

Not under commercial auto. Tools and equipment coverage protects your gear in the vehicle and on the job site.

What limits should I carry?

It depends on your vehicles, contracts, and assets. Many commercial contracts ask for $1 million in liability, far above Florida's minimums.

Keep Your Business Moving

No pressure and no obligation. If the coverage you already have is the better deal, we'll tell you.