Commercial Auto Insurance Quotes In Florida

What Is Commercial Auto Insurance?

Commercial auto insurance is designed to cover vehicles used for business purposes. This includes delivery vans, work trucks, company cars, food trucks, and more. Unlike personal auto policies, commercial coverage provides higher liability limits and covers business-related risks that personal insurance excludes.

What Does Florida Commercial Auto Insurance Cover?

A comprehensive policy typically includes:

1. Liability Coverage

✔ Covers bodily injury and property damage you or your employee may cause while driving for work
✔ Helps cover legal defense costs in case of a lawsuit

2. Physical Damage Coverage

✔ Collision coverage – Pays for repairs after an accident
✔ Comprehensive coverage – Protects against theft, vandalism, fire, and weather-related damage

3. Uninsured/Underinsured Motorist

✔ Protects your drivers if they’re hit by someone with insufficient or no insurance

4. Medical Payments / Personal Injury Protection (PIP)

✔ Covers medical expenses for you and your passengers, regardless of fault (required in Florida)

5. Hired & Non-Owned Auto Coverage

✔ Covers vehicles your business rents or employees’ personal vehicles used for work

Who Needs Commercial Auto Insurance in Florida?

You need commercial auto insurance if:
✔ Your business owns, leases, or rents vehicles
✔ Employees drive their own vehicles for business purposes
✔ You transport tools, equipment, or goods
✔ You have signage or commercial modifications on your vehicle

Industries commonly needing coverage include:
• Contractors & construction businesses
• Delivery services
• Real estate agents
• Cleaning services
• Landscapers
• Mobile service providers

How Much Does Commercial Auto Insurance Cost in Florida?

Premiums vary based on:
✔ Number and type of vehicles insured
✔ Driving records of employees
✔ Business type and usage of vehicles
✔ Location and mileage
✔ Coverage limits and deductibles

At Florida Best Quote, we partner with leading insurers to find the right protection at the right price—whether you’re insuring one vehicle or an entire fleet.

Get a Free Commercial Auto Insurance Quote in Florida

Your business can’t afford downtime or liability from an accident. Let Florida Best Quote help you build a policy that fits your operations and budget. Contact us today to get a fast, free quote on Florida commercial auto insurance, and keep your business moving forward.