Commercial Auto Insurance
Protect your business vehicles, your drivers, and your bottom line. From single trucks to full fleets, we find the right commercial auto coverage at the best price.
What's Covered?
Commercial auto insurance provides comprehensive protection for your business vehicles and drivers.
Liability Coverage
Covers bodily injury and property damage your business vehicles cause to others. Meets Florida requirements and protects your business assets.
Physical Damage
Comprehensive and collision coverage for your business vehicles — protecting against accidents, theft, vandalism, and weather damage.
Hired Auto Coverage
Protects your business when employees rent or borrow vehicles for business purposes. Essential for businesses that don't own a fleet.
Non-Owned Auto Coverage
Covers liability when employees use their personal vehicles for business errands, deliveries, or job site visits.
Uninsured/Underinsured Motorist
Protects your business and employees when the at-fault driver has insufficient or no insurance — a common risk in Florida.
Medical Payments
Covers medical expenses for the driver and passengers of your business vehicle — regardless of fault — helping reduce lawsuit risk.
Who Needs Commercial Auto Insurance?
Industries We Serve
Frequently Asked Questions
Can I use personal auto insurance for business use?
No. Most personal auto policies exclude business use. If you're driving for business purposes and have an accident, your personal policy may deny the claim. Commercial auto is specifically designed for business vehicle use.
How is commercial auto insurance priced?
Premiums are based on the number and type of vehicles, how they're used, driver records, annual mileage, industry, and your claims history. We shop multiple carriers to find the best rate for your specific fleet.
Do I need commercial auto if employees use their own cars for work?
Yes — you should carry Hired and Non-Owned Auto (HNOA) coverage at minimum. If an employee gets in an accident while on business, your company could be held liable. HNOA coverage is typically affordable and often added to your general liability or BOP.
Does commercial auto cover tools and equipment in the vehicle?
Standard commercial auto policies cover the vehicle itself, not the contents. Tools and equipment stored in your vehicles would be covered under your inland marine or commercial property policy. We can bundle these coverages to make sure you have complete protection.
Keep Your Fleet Protected
Get a free commercial auto insurance quote. We'll find the right coverage for your vehicles and your budget.