Commercial Auto Insurance for Florida Businesses

Why You Need Commercial Auto Insurance

If your business uses vehicles for any purpose — deliveries, service calls, hauling equipment, or traveling to job sites — your personal auto policy won't cover you. Personal auto policies contain business-use exclusions that can leave you without coverage when you need it most.

Florida-Specific Considerations

Florida is a no-fault state, which means your commercial auto policy must include Personal Injury Protection (PIP). Florida also has some of the highest auto insurance rates in the country due to traffic congestion, weather exposure, and high claims frequency.

Fleet Insurance

If your business operates multiple vehicles, a fleet policy can simplify management and often reduce costs compared to individual policies. Fleet policies typically offer a single renewal date, consolidated billing, and potential volume discounts.

Hired and Non-Owned Auto

If your employees use rental cars for business or drive their personal vehicles for work purposes, hired and non-owned auto coverage fills the gap. This coverage is often added to your commercial auto policy or your general liability policy and provides liability protection for vehicles you don't own.