Commercial Auto

Florida Commercial Auto Insurance


Peace of mind for you and your employees the road,

Commercial vehicle insurance is a policy of physical damage and liability coverages for amounts, situations, and usage not covered by a personal auto policy. As a business owner, you may have one or more vehicles, such as delivery vehicles, taxis, limos, or buses. The right commercial auto insurance covers you for accidents, injuries, and other incidents that can put those investments at risk. We can provide a business auto insurance policy to meet your needs from trips across the country to local deliveries.

We offer coverage options that are both flexible and affordable and will work with you on an individual basis to find a policy that best suits your needs.

Our dedicated team will work with you on an individual basis to find a policy that best suits your needs, for you, your business, and properties are assured.

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It’s essential to understand what your coverage options are — not just for your commercial vehicles, but for you, and to others.


Learn more about Commercial Auto Insurance Coverage

Florida Insurance Requirements

Understanding the different types of coverages can help you find the right car insurance policy for your needs and budget.

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Why do you need Commercial Auto Insurance?


Not only is your commercial vehicle insurance is critical for protecting your business financially, but also it is required by law.

Your vehicle, you, and your business are protected from costs of damages, injury, and liability claims that you may incur in an accident.

Here are some specific circumstances that personal car insurance would cover:

Property Damage caused by your company vehicle (s) in an accident.

Others became injury caused by your company vehicle (s) in an accident.

You and your employees become injured in an accident and need medical assistance.

Theft, vandalism of your vehicles.

Your vehicle(s) is involved in an auto accident caused by another driver who does not have adequate/any insurance coverage.

What does Commercial Auto Insurance cover?


Florida auto insurance laws are notably different from many other states, also known as the Florida No-Fault Law. Meaning that a driver who is involved in an accident would collect medical, disability, and other compensation from their own insurance company, regardless of whether or not they caused the crash.

It requires vehicles with four wheels to purchase and carry an auto insurance policy with at least types of coverage — Personal Injury Protection (PIP) and Property Damage Liability (PDL), and each those type of coverage must have a minimum of $10,000 coverage amount.

Typical Florida Policy Components.

Bodily Injury Liability

This overage pays for bodily injury or death resulting from an accident for which you are at fault.

Property Damage Liability

This coverage provides you with protection if your car accidentally damages another persons property.

Personal Injury Protection

This overage pays for bodily injury or death resulting from an accident regardless who at fault.

Uninsured Motorist/Underinsured Motorist

This coverage pays cover costs when another driver lacks adequate coverage to pay the medical costs of an accident.

Collision Damages

This coverage pays for the damage to your vehicles in the event you cause an accident or someone else vehicle.

Comprehensive Damages

This overage pays for damage to or replacement of your car from theft, vandalism, flood, fire, and other perils.

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Additional coverage types may be available depending on the insurance company that you chose.

Medical Payments

Roadside Assistance for some Vehicles

Rental Reimbursement

Cargo Insurance

Bailie Coverage

Specialty Commercial Auto Insurance

A commercial auto policy also can include coverage for cars you borrow or rent, as well as coverage for employees who use their cars for your business.

How much does Commercial Auto Insurance Cost?


Insurance costs vary widely based on individual rating factors, and every single insurance quote will generate a different premium. Bellow, you can find some of the things that commonly influence commercial vehicles insurance rates.

Basic Demographics — Your age, sex, marital status, and location.


Driving History — Your driving record and loss history plays a substantial role in the rates.


Your Driving Habits — Your daily driving routine and what purposes you use of your car.


Type of Vehicle(s) — Generally, more significant, heavier vehicles will need more coverage.


Value of Vehicles — The premium for physical damage coverage is often a percentage of the vehicle’s value.


Claims History — You and your company’s history claims.


Credit History — The better your credit, the more favorable your rates will usually be.


Cargo Type — If you’re hauling cargo, premiums will be much lower if you’re hauling hay compared to pulling a hazardous material like fuel.


Distance/Radius of Travel — Long distance, especially when crossing state lines, will add to the cost.

Coverages You Choose — Your insurance choices and coverage amounts, deductibles have a significant impact on how much you’ll pay.

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