Florida commercial auto
Vehicles owned or used for business need their own policy
A personal auto policy generally isn't the right home for a work truck, van, or business-owned vehicle. Request a review that reflects real business use.
What this coverage generally addresses
- Liability and property damage
- Physical damage on business vehicles
- Hired and non-owned auto exposure
- Uninsured motorist coverage
Common coverage considerations
- Radius of operation
- Drivers list and MVRs
- Cargo or dealer plates where relevant
- Higher liability limits for commercial use
Who may need it
- Contractors with work trucks
- Service businesses with vans or trailers
- Businesses with delivery routes
- Companies whose employees use personal vehicles for work
Florida-specific considerations
- Florida traffic density and tourist season affect exposure
- Uninsured motorist coverage is often reviewed at higher limits
Watch for
Common mistakes or gaps
- Personal auto covering a business use vehicle
- No hired and non-owned auto for employee use of personal cars
- Driver list out of date
FAQ
Frequently asked questions
Related coverage
Often reviewed together
This page is general information only and is not legal, financial, tax, or insurance advice. Coverage may help. Availability varies. Policy terms differ. Coverage is subject to underwriting. Exclusions and limits apply. An insurance professional can review your situation.
Ready when you are
Ready to review this coverage?
Share a few basics and an insurance professional will follow up to discuss options.
No obligation. Submitting a request does not bind, issue, change, or cancel insurance coverage.