Commercial Auto Insurance in Florida for Work Trucks, Vans and Fleets

It is auto insurance written for a business and the vehicles it uses for work. It can include liability for injuries and damage you cause to others, physical damage for your own vehicles, and other coverages such as uninsured motorist and hired and non-owned auto. What it includes depends on the policy you buy.

Florida requires PIP and property damage liability to register most vehicles with four or more wheels, including many business vehicles. Heavier commercial trucks, vehicles for hire and interstate carriers can have higher requirements. Florida does not have one rule that says every business must buy a "commercial" policy, but a personal policy may not fit a vehicle used for business. Lenders, customers and contracts often require more.

It depends on the vehicles, drivers, type of business, how far you drive, your claims history, the limits and deductibles you choose, and the insurance company. Because those factors vary so much, we do not publish average prices. A quote based on your actual business is the only reliable number.

Businesses that own or lease vehicles, have employees who drive for work, carry tools or materials, transport people, or make deliveries should look at it. Contractors, trades, landscapers, pool and cleaning services, delivery businesses and property managers are common examples. The right policy depends on how your vehicles are owned and used.

Personal auto is written for individuals and household driving. Commercial auto is written for a business, its vehicles and its drivers. Commercial policies use different vehicle classes and underwriting, often carry higher liability limits, and offer business options like hired and non-owned auto. Whether a personal policy covers a work trip depends on its wording and how the vehicle is used. For household cars, see our personal auto insurance page.

Usually, if the employee is an approved driver and is using the vehicle with permission. Most insurers want every regular driver listed and will review their driving records. Some drivers may be excluded or not accepted. Check your policy's driver and permitted-use terms.

Not automatically. When employees drive their own cars for work, their personal policy is usually expected to respond first. Non-owned auto coverage can protect the business from liability in those situations. It generally does not pay to repair the employee's car.

Hired auto applies to vehicles your business rents or borrows. Non-owned auto applies to vehicles your business uses but does not own, like an employee's car on company errands. Together they mainly protect the business from liability. Physical damage to those vehicles usually is not included unless the policy adds it.

Liability for rented vehicles may be covered if your policy includes hired auto coverage. Damage to the rental itself may need a separate hired auto physical damage endorsement, or coverage from the rental company. Ask before you rent so you know which applies.

Generally, no. Commercial auto is written for the vehicle and your liability for driving it. Tools, equipment and materials are usually covered by inland marine coverage, such as a tools and equipment policy, or by other business insurance. Permanently attached equipment may be treated differently, so tell us what is installed on the vehicle.

It can. Liability while towing usually comes from the vehicle pulling the trailer. Damage to the trailer itself generally requires the trailer to be listed with physical damage coverage. Some policies have rules based on trailer type and weight, so list every trailer you use.

Yes, in most cases. A commercial auto policy can list several vehicles and drivers, which keeps limits and renewal dates together. Larger fleets may be written differently depending on the insurer.

Yes. Contractors are among the most common commercial auto customers. Insurers will ask about the type of work, the vehicles, the drivers, trailers and how far you travel. Some trades and vehicle types are a better fit for certain insurers than others, and acceptance is always up to the insurance company. Contractors building or renovating should also look at builder's risk insurance for the project itself.

It can, but the details matter. Delivering your own products to your customers is different from delivering goods for others for pay, or driving for an app-based delivery platform. Tell us exactly how deliveries work, since some delivery operations need specialized coverage.

It is coverage for trucking operations, such as heavy trucks, tractor trailers and businesses that haul goods for others. It often includes motor carrier liability and cargo coverage, and may require federal or state filings. It is usually written by insurers that specialize in trucking.

Many commercial auto policies cover trips to other states, but the policy territory, your stated operating radius and any required filings matter. Regular trips across state lines with heavier vehicles can also bring federal rules into play. Tell us where your vehicles go.

Your business name and what it does, garaging addresses, each vehicle's year, make, model and VIN, each driver's name, date of birth and license number, how the vehicles are used, and your recent claims history. A current declarations page and any contract insurance requirements help too. When you are ready, start your commercial auto quote online.

Yes. An independent agency works with several insurance companies, so it can request quotes from the ones that fit your business. Not every insurer will quote every business, and quotes may not be built on identical terms, so a good agent explains the differences instead of only the price.

It depends on the policy and who is driving. Many commercial policies allow some personal use by approved drivers, but family members, after-hours use and personal errands may be treated differently. If company vehicles go home at night, tell us so the policy can be set up for it.