SERVICES
Commercial Auto Insurance
If your business uses vehicles—even just one—you need commercial auto insurance. Personal auto policies exclude business use. Don’t discover that gap after an accident.
Drive for work
If you or your employees drive for work, personal auto insurance is not enough.
Commercial auto insurance is specifically designed for vehicles used in business operations. It addresses exposures that personal auto policies explicitly exclude, such as:
- Delivering goods or services
- Towing trailers
- Vehicles owned by the business entity
- Transporting equipment or tools
- Employees operating vehicles
Who needs commercial auto insurance
- Contractors and tradespeople
- Landscapers and lawn maintenance companies
- Delivery and courier services
- Food trucks and mobile vendors
- Real estate agents driving clients to properties
- Any business with vehicles titled in the company name
Coverage
- Per vehicle coverage – Ideal for small to medium-sized businesses with one to a few vehicles. Each vehicle is insured individually with its own policy and limits.
- Fleet insurance – More cost-effective for businesses with five or more vehicles. A single policy covers the entire fleet, often with lower per-vehicle premiums and simplified administration.
- Hired and non-owned auto coverage – Protects your business when employees use their personal vehicles for work purposes, or when you rent or borrow vehicles.
- Physical damage coverage – Repairs or replaces vehicles damaged in collisions, regardless of fault. Also covers theft, vandalism, fire, and weather events.
- Cargo coverage – Protects tools, equipment, and goods being transported in your commercial vehicles.
Benefits
Florida law requires commercial vehicles to carry minimum liability insurance. However, minimum limits may not adequately protect your business in a serious accident. Higher limits and additional coverages are strongly recommended.
Whether you operate a single work truck or a fleet of delivery vans, commercial auto insurance keeps you compliant, protects your assets, and ensures your business keeps moving.
