Commercial Car Insurance
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- Commercial Auto Insurance in Florida
If your business owns, leases, or uses vehicles for work-related purposes, you likely need commercial auto insurance. This coverage protects your business against financial losses if one of your vehicles is involved in an accident, gets damaged, or causes injury or property damage.
Commercial auto insurance covers vehicles used for business purposes, such as:
- Company cars, trucks, or vans
- Delivery or service vehicles
- Contractor vehicles (e.g., plumbers, electricians)
- Vehicles used by employees for work tasks
- Rideshare or transport services (with the right endorsements)
It’s not the same as personal auto insurance—even if you’re using your own car.
Claims You Can Count On
If you need to file a claim, our team is ready to help 24/7. We make the process straightforward—even offering digital tools like photo estimates and a network of trusted repair shops.
- Minimum Coverage Requirements in Florida:
Florida requires the following minimum coverage for all business vehicles:
Coverage Type
- Property Damage Liability (PDL)
- Personal Injury Protection (PIP)
Minimum Requirement
- $10,000
- $10,000 per person (for vehicles under 26,000 lbs that are not taxis)
However, most businesses need higher limits and additional coverages beyond the state minimum
Core Coverage (Most Common)
A standard commercial auto policy often includes:
- Liability Coverage: Covers injuries or property damage to others if your driver is at fault.
- Physical Damage Coverage:
- Collision: Repairs your vehicle after an accident.
- Comprehensive: Covers non-collision damage (theft, fire, weather, vandalism).
- Medical Payments or PIP: Covers injuries to your driver or passengers.
- Uninsured/Underinsured Motorist Coverage: Protects you if the at-fault party doesn’t have enough insurance.
- Hired & Non-Owned Auto Coverage (Optional): Covers vehicles your business doesn’t own but uses for business (e.g., rented vehicles or employee cars used for work).
Who Needs Commercial Auto Insurance?
You likely need it if you:
- Own a business vehicle registered in your company’s name
- Transport goods, tools, or equipment
- Have employees who drive for business purposes
- Provide delivery or rideshare services
- Use trailers or specialized vehicles (dump trucks, tow trucks, etc.)
What Affects the Cost?
Premiums depend on several factors:
- Vehicle type and use (e.g., heavy trucks vs. sedans)
- Number of vehicles and drivers
- Driving history of employees
- Location and routes driven
- Coverage limits and deductibles
Key Differences from Personal Auto Insurance
Personal Auto
- Covers personal use
- Limited liability coverage
- Usually excludes delivery/work use
Commercial Auto
- Covers business use
- Higher liability limits
- Designed for work-related risks
Need Help Finding the Right Coverage? Every business is different. Whether you run a single delivery van or a fleet of trucks, we’ll help you choose the right coverages, avoid gaps in protection, and stay compliant with Florida law.