Commercial Auto Insurance
Protect your business vehicles with comprehensive commercial auto coverage. From delivery vans to company fleets, we'll find the right protection at competitive rates.
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Why commercial auto insurance matters
Your personal auto policy won't cover vehicles used for business. Commercial auto insurance protects your company from liability when employees drive for work, whether using company vehicles or their own cars for business purposes.
Commercial auto policies typically offer higher liability limits than personal policies — essential when your business reputation and assets are on the line. Whether you have a single work truck or a fleet of delivery vehicles, the right coverage protects your business from costly accidents and lawsuits.
Understanding commercial auto coverage types
Commercial auto coverage goes beyond personal policies with higher limits and business-specific protections. Here's how the major coverage types work together:
Essential Coverage
- Liability coverage - $1M+ recommended
- Physical damage coverage
- Medical payments
- Uninsured/underinsured motorist
Business Protection
Personal auto policies won't cover business use. Commercial auto provides the liability limits and specialized coverage your business needs to stay protected.
Additional Coverage Options
- Hired auto coverage
- Non-owned auto coverage
- Cargo coverage
- Roadside assistance
- Rental reimbursement
- Loading/unloading coverage
Full Protection
Commercial auto insurance protects your business and vehicles from a wide range of risks — including employee accidents, cargo damage, and liability from company vehicle operations.
Important: Florida is a no-fault state, meaning PIP is required. But PIP only covers medical expenses — it doesn't protect you from liability claims or vehicle damage. We'll help you build a complete coverage plan.
What does commercial auto insurance cover?
Liability Coverage
Covers injuries and property damage your business vehicles cause to others. Commercial policies offer higher limits — often $1M or more — to protect your business assets.
Collision & Comprehensive
Collision pays to repair your vehicles after accidents. Comprehensive covers theft, vandalism, fire, and weather damage when vehicles are parked at job sites or overnight.
Uninsured Motorist Coverage
Protects your business when an uninsured or underinsured driver causes an accident. Covers vehicle damage, injuries, and lost business income.
Hired & Non-Owned Auto
Covers vehicles your employees rent for business or use their personal cars for work. Essential if employees ever drive for company business.
Common questions about commercial auto insurance
Do I need commercial auto insurance?
If vehicles are used for business purposes — deliveries, client visits, hauling equipment, or transporting goods — your personal auto policy likely won't cover accidents. Commercial auto insurance fills this gap and protects your business.
What's the difference between personal and commercial auto?
Commercial auto policies cover business use, offer higher liability limits, can cover multiple drivers and vehicles, and include options like hired/non-owned auto and cargo coverage that personal policies don't offer.
What factors affect commercial auto rates?
Rates depend on vehicle type, how vehicles are used, driving radius, driver records, industry risk level, claims history, and coverage limits. Contractors and delivery services typically pay more than office-based businesses.
What is hired and non-owned auto coverage?
Hired auto covers vehicles you rent or lease for business. Non-owned auto covers employee-owned vehicles used for work. Both are essential if employees ever drive for business purposes.
Can I add vehicles to my policy mid-term?
Yes, you can add or remove vehicles anytime. We'll adjust your premium accordingly. Many policies include automatic coverage for newly acquired vehicles for a short period.
Do I need commercial auto for a single work truck?
If it's used for business — hauling equipment, visiting clients, making deliveries — yes. Even one vehicle used commercially needs proper coverage to protect your business.
Commercial auto insurance carriers we work with
Get a commercial auto insurance quote
Tell us about your business vehicles and we'll shop multiple carriers to find the right coverage at competitive rates. Most quotes ready within 24 hours.