Auto Liability
Protection for covered bodily injury and property damage claims when an insured business or driver is legally responsible.
Commercial Auto Insurance in Florida
Coverage for the Vehicles That Keep Your Business Moving.
From one work vehicle to an eligible fleet, we help Florida businesses pursue competitive Commercial Auto options based on their drivers, vehicle use and daily operations.
Serving eligible businesses throughout Florida · English & Spanish
Why work with our agency
Options shaped around your actual operation
- Single vehicles and eligible fleets
- Driver, use and operating-radius review
- Liability and physical damage options
- Responsive bilingual support
Insurance for business vehicles
The right option starts with how every vehicle is used
A contractor's pickup, a restaurant's delivery vehicle and a service company's van do not create the same exposure. We review who owns and drives each vehicle, what it carries, where it travels and how it supports the business.
Those details help us approach appropriate available markets, pursue competitive pricing and explain meaningful differences in limits, deductibles and coverage options before you make a decision.
Businesses and vehicles we commonly assist
Eligibility varies by insurer, vehicle type, business use, driver history, radius, garaging and loss experience.
Coverage options
Protection for your business on the road
We help you compare available coverage based on the vehicles, drivers and exposures your business actually has.
Physical Damage
Available comprehensive and collision options for eligible covered vehicles, subject to selected deductibles.
Uninsured Motorist
Available protection when a covered loss involves a driver who has no insurance or insufficient insurance, subject to policy terms.
Medical Payments or PIP
Available first-party injury protection based on Florida requirements, vehicle type and the selected policy.
Hired & Non-Owned Auto
Available liability options for certain rented, borrowed or employee-owned vehicles used in the business.
Trailers & Equipment
Review of eligible trailers and permanently attached equipment; other tools or cargo may require separate coverage.
What affects your quote
Drivers, vehicles and business use all matter
Commercial Auto pricing and eligibility depend on more than the number of vehicles. Accurate information helps reduce delays and gives insurers a clearer picture of the operation.
- Driver ages, licenses, experience and motor vehicle records
- Vehicle type, ownership, value, weight and garaging
- Business use, materials carried and operating radius
- Prior insurance, losses and requested limits
A practical quote process
Start with your business, vehicles and drivers
Our short request gives us the essentials. We then contact you for the details needed to approach appropriate available markets.
- 01
Describe the operation
Tell us what the business does, how the vehicles are used, where they travel and what they carry.
- 02
Share vehicles and drivers
Provide vehicle and driver information, current coverage, loss history and the limits you need.
- 03
Compare eligible options
We explain available pricing, limits, deductibles and important conditions so you can make an informed choice.
Commercial Auto FAQ
Answers for Florida business owners
What vehicles can be covered by Commercial Auto insurance?
Commercial Auto may cover eligible cars, cargo vans, service vans, pickup trucks, work trucks, trailers and fleets used for business. Eligibility depends on the vehicle type, ownership, use, weight, garaging and available insurance markets.
Do I need Commercial Auto if I use my personal vehicle for work?
A personal auto policy may exclude or limit certain business use. The right solution depends on how the vehicle is used, who owns it and how frequently it is used for work. We can review the details and help identify available options.
Can employees drive the insured vehicles?
Eligible employees may be listed or permitted to drive depending on the policy and insurer requirements. Insurers commonly review each driver's license, experience and driving record before approving coverage.
What does Commercial Auto Liability cover?
Commercial Auto Liability may respond to covered bodily injury or property damage for which an insured business or driver is legally responsible after an accident. Coverage is subject to the policy limits, terms and exclusions.
Can I add comprehensive and collision coverage?
Physical damage options may be available for eligible vehicles. Comprehensive generally addresses certain non-collision losses, while collision addresses covered damage from an impact, subject to deductibles and policy terms.
What are hired and non-owned auto coverages?
Hired Auto may address certain exposures involving rented or borrowed vehicles, while Non-Owned Auto may address certain business use of vehicles the company does not own, such as an employee's vehicle. Availability and protection depend on the policy and endorsement.
Can you insure a new business or a small fleet?
We can explore available markets for eligible new ventures, established businesses, single-vehicle risks and small fleets. Options depend on the business type, drivers, vehicles, use, radius, garaging and loss history.
What information is needed for a Commercial Auto quote?
We typically need the business name and operations, vehicle VINs, garaging address, vehicle use, operating radius, driver information, current coverage and loss history. Additional information may be required based on the risk.
Commercial Auto quote