For the business
Insure the vehicles your business runs
A van with your name on the door is working property, and a personal auto policy is not written for it. We go through what your vehicles do, who drives them and what the business would owe if one of them caused an accident, then quote that with more than one company so you see the price before you decide.
- Liability, physical damage, hired and non-owned use, and uninsured motorist, written on one policy.
- A personal auto policy can turn down a claim on a vehicle that was working when the accident happened. A commercial policy is the one written for that use.
- Wear and mechanical breakdown are not covered, and the cargo you carry is rated separately from the vehicle that carries it.
- Carrier Options
- 30+
- Languages Served
- 2
- National carrier performance awards since 2020
- 9
What Florida commercial auto insurance covers
We shop the market for you across 30+ carriers
Florida commercial auto insurance covers a vehicle that does not belong on a personal auto policy, which is one of the commonest gaps on a small business. It covers the vehicles the business owns, the people it lets drive them, and the work they are used for, including use a personal policy is not written for.
It applies to one van as much as to a fleet, and what the vehicle is used for matters more to the rating than the badge on the front of it. The office is in Sunrise and commercial vehicles are insured across Florida, from a single van to a yard full of them.
Liability
Injury and property damage the business is responsible for when one of its vehicles is at fault.
Physical damage
Repairs to the business's own vehicles, in a collision and outside one.
Hired and non-owned
Vehicles the business rents, and an employee's own car used for the business's work.
Uninsured motorist
Injuries to your drivers when the driver at fault is uninsured or carries too little.
Commercial Auto Insurance FAQ
Can I put the work van on my personal auto policy?
Usually not, and where it is allowed it may not pay. A personal policy is rated for personal use, so the gap shows up in a claim on a vehicle that was working when the accident happened. If the vehicle is titled to the business, or it carries tools, signage or employees, it belongs on a commercial policy.
Do I need this if my employees drive their own cars for work?
That is what hired and non-owned coverage is for. Your employee's own policy generally answers first, and the policy on the business sits behind it for what the business is responsible for. Deliveries, errands and staff moving between job sites are the usual reasons a business needs it.
How is a commercial auto policy rated?
Mostly by use: the type of vehicle, how far and where it runs, what it carries, and who you let drive it. Your drivers' records count too. We take that list once and quote it with more than one company.
Get your commercial auto quote
Your details come to me, not to a call center.
- Phone
- (561) 473-7513
- Office
- 4974 N Pine Island Rd, Sunrise, FL 33351
- Hours
- Mon-Fri, 9am to 6pm