Commercial Auto Insurance in Florida
One fender-bender can halt deliveries, delay jobs, and expose your company to six-figure lawsuits. A Florida commercial auto policy keeps your vehicles—and your bottom line—rolling when the unexpected happens.
Key Protections in a Commercial Auto Policy
| Coverage | What It Pays For |
|---|---|
| Liability | Medical bills, property repairs, and legal defense if your driver causes an accident while on the clock |
| Collision | Fixes or replaces your business vehicle after a crash, regardless of fault |
| Comprehensive | Losses from theft, vandalism, fire, falling objects, or severe weather |
| Uninsured / Underinsured Motorist | Injuries to your team when the at-fault driver has little or no coverage |
| PIP / Med Pay | Required in Florida—covers medical expenses for your driver and passengers, no matter who’s at fault |
| Hired & Non-Owned Auto | Liability protection for rental trucks or employees’ personal cars used on company errands |
Do You Need Commercial Auto?
You likely do if you:
Title or lease vehicles under the business
Carry tools, materials, or products for work
Allow employees to drive their own cars for deliveries or site visits
Display company logos or have ladders, toolboxes, or food-service equipment mounted on the vehicle
Commonly insured industries include contractors, landscapers, cleaning crews, couriers, real-estate pros, mobile techs, and food trucks.
What Drives the Premium?
Fleet size and vehicle types (cargo vans cost more to insure than sedans)
Annual mileage and service radius
Driving records of all operators
Business class and cargo hauled
Selected limits, deductibles, and optional coverages
Because each carrier rates these factors differently, shopping multiple insurers is the quickest path to savings.
Get a Fast Commercial Auto Quote
Florida Best Quote compares top-rated commercial auto carriers to tailor coverage that fits your routes and budget—whether you run a single pickup or a mixed fleet. Call or click today to keep your business protected every mile.
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