Commercial auto insurance is not the same as personal auto insurance. If you or your employees drive for work purposes—delivering goods, transporting equipment, visiting clients—your personal policy will not cover you.
Key elements of commercial auto coverage:
Liability coverage
Pays for injuries and property damage you cause to others while operating a business vehicle. Required by law in Florida.
Physical damage coverage
Repairs or replaces your vehicles after collision, theft, vandalism, fire, or weather events. Includes both collision and comprehensive coverage.
Uninsured/underinsured motorist
Protects your business if one of your drivers is hit by someone with insufficient insurance.
Hired and non-owned auto coverage
Critical for businesses where employees use their personal vehicles for work. This coverage applies when an employee runs a work errand in their own car and causes an accident.
Cargo coverage
Protects tools, equipment, and goods being transported in your commercial vehicles.
Fleet vs. per-vehicle policies
If you have five or more vehicles, a fleet policy is often more cost-effective than insuring each vehicle individually.
Not sure what you need?
We’ll help you match the right coverage to your operations and budget.
