Commercial fleet vehicles parked in Florida

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.

Get a Free Commercial Auto Quote 1-800-252-6885

Florida Commercial Auto Insurance at a Glance

Required for any vehicle used for business purposes — personal auto policies typically exclude business use
Covers liability, collision, comprehensive, medical payments, and uninsured motorist for your fleet
Hired and non-owned auto coverage protects your business when employees use personal vehicles for work
We insure everything from single work trucks to full commercial fleets across Florida

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?

Contractors with service trucks and work vehicles

Delivery and courier services

Landscaping and lawn care companies

HVAC, plumbing, and electrical businesses with vans/trucks

Sales teams with company-provided vehicles

Any business that sends employees on the road

Industries We Serve

Trade Contractors (HVAC, plumbing, electrical)

Delivery & Logistics

Sales & Service Fleets

Field Service Companies

Frequently Asked Questions

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.

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.

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.

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.