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Florida Commercial Auto Insurance
Cover work trucks, service vans, and small commercial fleets in Florida — plus the tools and equipment inside them — with a policy actually built for how your vehicles are used.
A licensed insurance professional will get back to you within 24 hours
- Single vehicle to small fleets
- Hired & non-owned auto
- Tools-in-transit coverage
- Cert holders & additional insureds
About Florida Commercial Auto Insurance
If a vehicle is titled to your business, wrapped or lettered, used to haul tools or materials, or has employees driving it, a personal auto policy is the wrong policy — most personal carriers will deny a claim once they learn the vehicle was in commercial use. Commercial auto is written specifically for work vehicles: higher liability limits, coverage for equipment attached to the vehicle, and policy language that matches how a business actually uses its fleet.
In Florida, commercial auto liability limits typically start at $500,000 combined single limit or $1M for most contractor and service businesses — much higher than personal auto minimums, because a business-owned vehicle in an at-fault accident brings the business itself into any lawsuit. We help you set the right limit based on your revenue, contract requirements, and exposure.
Beyond the standard auto coverages (liability, comprehensive, collision, medical payments, uninsured motorist), Florida businesses often add: hired and non-owned auto (HNOA) coverage for when employees drive their own cars for work errands, tools-in-transit / inland marine coverage for equipment in the truck, and rental reimbursement so you're not down a vehicle for weeks after a claim. Certificate holders and additional insureds are easy to add when a client or job requires it.
Small fleets — 2 to 15 vehicles — are our sweet spot on the commercial auto side. Once you're above one vehicle, most carriers will underwrite the entire fleet as a package rather than pricing each vehicle separately, which usually saves money and simplifies renewals. We'll also review your driver list, MVRs, and safety practices, because those directly drive your rate.
Whether it's a single service van or a small fleet of trucks, request a quote and we'll compare Florida commercial auto carriers side by side.
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Florida Commercial Auto Insurance FAQ
Do I need commercial auto if the truck is in my personal name?
If the vehicle is used primarily for business — hauling tools, driving to job sites, transporting employees or customers — you likely need commercial auto even if the title is personal. Many personal auto carriers exclude business use and can deny claims that happen on the clock.
What limits should I carry on a Florida work vehicle?
Most Florida contractors and small businesses carry $500,000 to $1,000,000 combined single limit on commercial auto. Contracts with GCs, municipalities, or larger clients often require $1M minimum. We'll help you match limits to your exposure.
Can I add tools and equipment coverage to my commercial auto policy?
Tools attached to the vehicle (like a bolted-on toolbox or ladder rack) can be covered on the auto policy, but tools inside the truck are usually best covered on a separate inland marine / tools & equipment policy. We often bundle both for contractors.
Does my personal auto policy cover business use?
Often not. Personal auto policies typically exclude or limit business use. Vehicles used for work, hauling, or deliveries usually need a commercial auto policy.
What is hired and non-owned auto coverage?
It covers liability when employees use their personal vehicles or rented vehicles for business. Many small businesses add it even if they own no vehicles.
How many vehicles can be on a policy?
Commercial auto policies can cover a single work truck up to a small fleet. Each vehicle and driver is listed and rated on the policy.
What coverage limits should a business carry?
Many contracts require $1,000,000 combined single limit liability. We'll review your contracts and exposure to recommend appropriate limits.
Get your Florida Commercial Auto Insurance quote today
Request a quote and a licensed insurance advisor will follow up with real options.