Commercial Auto Insurance

Keep Your Business Rolling Safely

From delivery vans to service trucks, commercial auto insurance covers your vehicles, drivers, and operations. We help Florida businesses stay protected on the road—whether you have one vehicle or an entire fleet.

Why Commercial Auto Insurance Matters

If your business owns or operates vehicles, you need more than personal auto insurance. Whether you’re making deliveries, hauling equipment, or visiting job sites, commercial auto coverage protects your vehicles, drivers, and liability exposures. Florida roads come with unique risks—weather, traffic, and long distances. We help you create coverage that keeps you legal, compliant, and protected from costly accidents or damage.

A white van is parked in a parking lot.
A man wearing a mask is loading boxes into a van.

What Commercial Auto Insurance Can Cover

Liability Coverage

Protects against injury or property damage caused by your vehicle.

Collision Coverage

Extends coverage to personal or rented vehicles used for business purposes.

Comprehensive Coverage

Protects against theft, vandalism, flood, fire, or other non-collision damage.

Hired & Non-Owned Auto

Extends coverage to personal or rented vehicles used for business purposes.

Frequently Asked Questions

  • Do I need commercial auto insurance if I use my personal car for work?

    Yes—most personal auto policies won’t cover you if you’re using your vehicle for business purposes. If you deliver goods, visit clients, or transport tools and equipment, a commercial policy ensures you’re covered while on the job.

  • What types of businesses need commercial auto coverage?

    Any business that owns, leases, or operates vehicles should carry commercial auto insurance. This includes contractors, delivery services, real estate agents, landscapers, and mobile businesses. If your business moves, this coverage matters.

  • Does commercial auto insurance cover employees driving their own cars?

    Not automatically. You’ll need a “hired and non-owned auto” endorsement to protect your business if an employee uses a personal or rented vehicle for work. We’ll help make sure those situations are covered.

  • Can I bundle this with other commercial policies?

    Yes—many business owners bundle commercial auto with general liability, property, or workers’ comp coverage. Bundling can save money and simplify renewals. We’ll walk you through the best options based on your needs.