Commercial auto insurance in Florida covers vehicles owned or used by a business, including liability for injuries and property damage you cause, physical damage to your own vehicles, and often cargo or equipment being hauled. It applies to company cars, work trucks, vans, and vehicles employees drive for business purposes, and it typically carries higher liability limits than a personal auto policy.
Ready to get your fleet properly covered?
One underinsured work vehicle accident can put your entire business at risk. Let’s review what you actually carry.
Call 954-226-5424 or request a free quote online.
What Is Included in a Commercial Auto Policy?
A standard commercial auto policy in Florida includes liability coverage for bodily injury and property damage, physical damage coverage (comprehensive and collision) for your vehicles, uninsured/underinsured motorist coverage, and medical payments coverage. Businesses that haul tools, inventory, or equipment often add cargo coverage, and many South Florida policies also include hired and non-owned auto coverage for rented or employee-owned vehicles used for work.
Who Needs Commercial Auto Insurance in Florida?
Any business that owns vehicles, or whose employees regularly drive personal vehicles for company errands, needs commercial auto coverage. This includes contractors, delivery businesses, real estate agents, home service companies, and sales teams across Miami-Dade, Broward, and the rest of South Florida. A personal auto policy typically excludes business use, which can leave a serious coverage gap after an accident.
Ready to close the business-use coverage gap?
If your team drives for work, a personal auto policy alone likely will not respond after a claim.
Call 954-226-5424 or request a free quote online.
How Are Commercial Auto Insurance Limits Determined?
Limits depend on vehicle type, how the vehicle is used, driving records of employees who operate it, and the industry you are in. Businesses hauling heavier equipment or operating larger fleets typically need higher liability limits, sometimes paired with a commercial umbrella policy for extra protection above the primary limits.
Make Sure Your Business Vehicles Are Actually Covered
Insurance Risk Advisors reviews your fleet or work vehicles and finds commercial auto coverage that matches how your South Florida business actually operates.
Call us at 954-226-5424, get a free quote online, or contact our South Florida team today.