Commercial Auto Insurance in Florida

Commercial auto insurance provides coverage for vehicles used as part of business operations, including liability and physical damage exposures that are typically not covered under a personal auto policy. Florida businesses that rely on cars, vans, trucks, or fleets often require commercial auto insurance to meet legal, contractual, and operational requirements.

This type of coverage is also commonly referred to as business auto insurance, commercial car insurance, truck insurance, or fleet insurance, depending on vehicle use and business structure.

What Is Commercial Auto Insurance?

Commercial auto insurance is designed to insure vehicles owned, leased, or used by a business. It applies when vehicles are used beyond personal commuting and are involved in activities related to the operation of a business.

Unlike personal auto insurance, commercial policies are structured to account for:

• Business-related vehicle use

• Higher liability exposure

• Multiple drivers or named driver requirements

• Specialized vehicle types or equipment

When Is Commercial Auto Insurance Required in Florida?

A commercial auto insurance policy is generally required when a vehicle is used for business purposes beyond commuting. Common scenarios include:

• Transporting goods, tools, or equipment

• Transporting people for a fee

• Providing professional or on-site services

• Operating rideshare or delivery-related activities

• Using vehicles titled to a corporation, partnership, or LLC

• Having employees operate business vehicles

In many cases, businesses also need higher liability limits due to the nature of their work or contractual obligations.

Businesses That Commonly Need Commercial Auto Insurance

Commercial auto coverage is commonly required for businesses such as:

• Contractors and service providers

• Delivery and courier services

• Construction and trade businesses

• Rideshare, black car, and livery services

• Sales, real estate, and inspection professionals

• Companies hauling tools, equipment, or trailers

Commercial auto insurance is often part of a broader business insurance in Florida strategy designed to protect operations, vehicles, and liability exposure.

What Does Commercial Auto Insurance Cover?

Commercial auto insurance in Florida provides coverage similar to a personal auto policy, but with important differences in eligibility, limits, and policy structure.

Coverage may include:

Liability Coverage

Covers bodily injury or property damage caused by a covered vehicle, along with legal defense costs when applicable.

Combined Single Limit (CSL)

Provides one total limit per accident that can be applied to both bodily injury and property damage, rather than separate limits.

Medical Payments / Personal Injury Protection (PIP)

Helps pay medical expenses for drivers and passengers injured in a covered accident, regardless of fault, as required under Florida regulations.

Uninsured and Underinsured Motorist Coverage

Helps protect your business if a covered vehicle is involved in an accident with a driver who has little or no insurance.

Comprehensive Physical Damage Coverage

Covers damage caused by non-collision events such as theft, vandalism, fire, flood, or severe weather.

Collision Coverage

Covers damage to a business vehicle resulting from a collision with another vehicle or object.

Named Driver and Policy Structure Considerations

Many commercial auto policies in Florida are written as named driver only policies, meaning only drivers specifically listed on the policy are covered. Endorsements may be available to extend coverage depending on business needs and risk profile.

Policy structure, limits, and endorsements should be reviewed carefully to ensure vehicles and drivers are properly insured.

Commercial Auto Insurance and Related Business Coverage

Commercial auto insurance often works alongside other business coverages, such as:

• General liability insurance for non-vehicle-related risks

• Businesses that move unregistered vehicles may also need to meet Florida transporter tag insurance requirements as part of compliance.

• For-hire transportation businesses may require specialized coverage such as limo and black car insurance in addition to commercial auto policies.

 Understanding how these policies interact can help prevent coverage gaps.

Commercial Auto Insurance Throughout Florida

Commercial auto insurance is available for businesses operating across Florida, including Miami, Kendall, Homestead, Orlando, Tampa, Jacksonville, Fort Lauderdale, and Palm Beach County. Coverage needs may vary based on vehicle use, territory, and regulatory requirements.

Get Help With Commercial Auto Insurance in Florida

Selecting the right commercial auto policy involves evaluating vehicle use, drivers, liability exposure, and business operations.

Talk to a Commercial Auto Insurance Specialist