Commercial Auto · Florida
Florida Commercial Auto Insurance: Fleet & Work Vehicles
Florida businesses with vans, pickups, or fleets need commercial auto insurance written for the company, not the driver. We compare coverage across multiple A-rated carriers.
What is commercial auto insurance in Florida?
Commercial auto insurance, also called business auto insurance, covers the vehicles a Florida business owns, leases or hires, and it is written on the business rather than on any one driver. That is the practical difference from a personal policy: the named insured is the company, the drivers are scheduled, and the liability limit is sized to what the business can be sued for rather than to a household. Florida businesses buy it for vans, pickups, service trucks and full fleets, and business auto insurance in Florida is quoted on how the vehicles are used, not just on what they are. We shop those vehicles across multiple A-rated carriers, and the quote can start today.
What Does Commercial Auto Insurance Cover?
Liability
Commercial auto liability pays what the business becomes legally responsible for when one of its vehicles injures someone or damages property. It is the coverage every contract, lease and lender asks to see first.
Physical damage
Collision and comprehensive on the units themselves. Financed and leased vehicles almost always have it required by the lienholder rather than by the state.
Hired and non-owned
Covers the business when an employee drives a rental, or drives their own car on company business. This is the gap that surprises owners who thought a personal policy had them covered.
Uninsured motorist
Florida has a large share of drivers carrying no bodily injury liability at all. UM is what responds when one of them hits your vehicle and cannot pay.
Florida Commercial Auto Insurance Requirements
| What Florida requires | What it means for your policy |
|---|---|
| Property damage liability of $10,000 for any one crash, or $30,000 combined property damage and bodily injury liability (§ 324.022(1)) | This is the statutory floor for a motor vehicle, not a commercial standard. Almost no commercial contract accepts it. |
| Additional liability by weight on commercial motor vehicles: $50,000 at 26,000–34,999 lbs, $100,000 at 35,000–43,999 lbs, $300,000 at 44,000 lbs and above (§ 627.7415) | Once a unit crosses 26,000 lbs the state raises the floor itself. Mixed fleets end up with more than one requirement in force at once. Heavy units and semis are quoted on our commercial truck insurance page. |
| For-hire passenger vehicles carry their own limits (§ 324.032) | Carrying people for money is a different rating basis. Our limo and black car page covers that case, and our TNC insurance page covers app-based ride companies. |
| Limits your contracts demand | Shippers, municipalities, property managers and lenders routinely require $1,000,000 combined single limit. That number comes from the contract, not from Florida. |
These are the state's minimums, not a quote. Coverage, eligibility and pricing vary by carrier and by how your vehicles are used.
Who Needs Commercial Auto Insurance in Florida
Commercial vehicle insurance is decided by use, not by what the vehicle looks like. A pickup parked at a job site and a pickup parked at a house can need different policies.
Contractors and trades
Tools, crews and materials move between job sites all day, usually in trucks titled to the company. Handymen and tree crews have pages of their own: see handyman insurance and tree service insurance.
Service and delivery businesses
Vans running routes put the most miles on the road and carry the most exposure per unit. Vans that carry patients and trucks that tow other people's vehicles have risks of their own: see NEMT insurance and tow truck insurance. Trucks that cook and sell food on board are covered on our food truck insurance page.
Companies with employee drivers
Once someone other than the owner drives, the business is answering for that driver's record. When no one drives at all, the risk changes again: see autonomous fleet insurance.
Anyone titling a vehicle to the business
A vehicle titled to an LLC generally cannot sit on a personal policy at all, whatever its size.
What You Need for a Commercial Auto Insurance Quote
- Year, make, model and VIN for each vehicle, plus what each one is used for.
- Driver list with licence numbers and dates of birth.
- The liability limit your largest contract requires.
- Current declarations page, if you are already covered.
Who writes commercial auto insurance in Miami?
American US Insurance is an independent, bilingual insurance agency in Miami that places coverage on company vehicles across Florida. Because we are independent, we compare multiple A-rated carriers and work for you rather than for one company — which matters on commercial auto, where one carrier's appetite for a young driver or a heavy unit can differ sharply from the next. We write commercial auto insurance in Miami and across Florida for contractors, service fleets and companies with a single titled vehicle, and we handle the whole file, from the first quote to the certificate your contract needs.
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Read More →Get Your Commercial Auto Insurance Quote
Tell us what you drive and who operates it. We shop the limits your contracts require across multiple A-rated carriers and deliver real options to your business.
- No obligation, no pressure
- Renewal and claims help after you buy
- A licensed agent compares carriers
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Common Questions