Commercial Auto Insurance
Start your quoteCommercial auto insurance covers vehicles used for business, whether that’s a single work truck or a small fleet. A personal auto policy typically excludes business use, so if you’re driving for work, hauling equipment, or have employees behind the wheel, you need a policy written for that. We write commercial auto coverage for businesses across Florida.
What's covered
Tap any item to see what it means in plain language.
Liability for business driving
If you or an employee causes an accident while driving for work, this pays for the other side's injuries and property damage, and protects the business from the lawsuit that can follow.
Physical damage (collision & comprehensive)
Repairs or replaces your work vehicles, whether the damage comes from an accident, theft, vandalism, or a storm.
Hired & non-owned auto
Covers the business when employees drive their own cars for work errands, or when you rent a vehicle for business use. A common gap that surprises small businesses.
Medical payments
Pays medical bills for you or your passengers after an accident, regardless of who was at fault.
Cargo (add-on)
Covers the goods, tools, or equipment you're transporting. Standard policies cover the vehicle, not what's inside it, so hauling anything valuable usually needs this endorsement.
What's not covered
Business use on a personal policy
This is the reason this page exists. Personal auto policies typically exclude business use, so a work-related claim on a personal policy can be denied outright.
Cargo without the endorsement
Goods you don't own or aren't responsible for, or any cargo at all if the policy doesn't carry a cargo endorsement.
Employee injuries while driving
An employee hurt on the job, including behind the wheel, is typically handled through workers' compensation, not the auto policy.
Good to know in Florida
- If a vehicle is titled to your business, financed through a business loan, or used primarily for work, most personal auto insurers will deny a claim tied to business use.
- Florida's insurance requirements still apply to work vehicles.
- Liability limits that feel adequate for personal driving often aren't enough once a company name and a work vehicle are involved.
How our quoting works
We shop it around
Tell us how many vehicles you're covering, what they're used for, and who's driving them. We look at your business type and driving records to find carriers that price commercial risk fairly rather than treating every business vehicle as high-risk by default.
Helpful to have handy
- Business name and what the vehicles are used for
- A list of vehicles with VINs
- Driver names and license numbers
- Your DOT number, if you have one
- Your current policy or declarations page, if the vehicles are insured today
Don't have all of it? Start anyway. We'll work with what you have.
Frequently asked questions
Can I use my personal auto policy for a work vehicle?
Usually not. Personal auto policies typically exclude business use, so a vehicle titled to your business, financed through a business loan, or used primarily for work needs a commercial auto policy instead.
What if my employees drive their own cars for work?
That's covered by hired and non-owned auto coverage, which is an add-on to a commercial auto policy for situations where employees use personal vehicles for business tasks like deliveries or errands.
Can I insure a fleet of vehicles on one policy?
Yes, most commercial auto carriers we work with can write multiple vehicles under a single fleet policy, which usually simplifies billing and paperwork as your business grows.
Does commercial auto insurance cover the cargo I haul?
Not by default. Cargo coverage is typically a separate add-on to a commercial auto policy, worth considering if you regularly transport goods or equipment you're responsible for.