COMMERCIAL Auto INSURANCE
Commercial auto insurance built around how your fleet actually operates.
We insure work trucks, vans, and fleets for businesses across the Southeast, with direct agent access instead of a call center queue.
What commercial auto insurance actually covers
If you use a vehicle for work, in Florida or any of the states we serve, a personal auto policy typically won't cover it. Commercial auto insurance is built for business use: it covers liability for injuries or property damage your vehicles cause, plus physical damage to your own vehicles from collision, theft, or other covered events.
A complete commercial auto policy usually includes a few additional pieces worth knowing about:
- Uninsured/underinsured motorist coverage, which protects you if you're hit by a driver who doesn't carry enough insurance
- Medical payments coverage, which handles medical costs for you and your passengers after an accident, regardless of fault
- Hired and non-owned auto liability, which covers vehicles you rent or that employees drive on company business but that your business doesn't own
Most states, including Florida, require commercial vehicles to carry auto insurance before they're on the road for business purposes. Staying compliant keeps your business running and avoids penalties that can disrupt operations.
Coverage built for every vehicle in your fleet
Whether you run a single work truck or a full commercial fleet, we build a policy around your actual risk, not a one-size template.
Here's how a commercial auto policy protects your business
Asset protection for your vehicles
Liability coverage for injuries and property damage
Business interruption support
Legal defense costs
Property damage coverage
Loss of income protection
Bundle your fleet and your property under one agency
If your business owns or leases the space it operates from, pairing your commercial auto policy with commercial property coverage can simplify renewals and claims. We handle both lines so your vehicles and your physical location are covered by the same agency, with one point of contact.
What sets our commercial auto coverage apart
For 26 years, we've built commercial auto policies for businesses across Florida, and we're licensed and active across Georgia, South Carolina, North Carolina, Tennessee, and Alabama, so your coverage travels with you if your business operates in more than one state. We offer monthly payment options and give real consideration to prior work and claims history when building your policy. You'll work directly with an agent, not a call center, from your first call through claims.
Commercial auto coverage across the Southeast
We write commercial auto policies for businesses in Central Florida and across our six-state footprint. Find the coverage details for your state below.
Commercial auto insurance questions we hear a lot
Do I need commercial auto insurance for my business?
If you or your employees drive any vehicle for business purposes, deliveries, client visits, hauling equipment, or anything similar, yes. Personal auto policies generally exclude business use, and most states require commercial coverage for vehicles used this way.
What does commercial auto insurance cover?
It covers liability for injuries or damage your vehicles cause to others, plus physical damage to your own vehicles. Depending on your policy, it can also include uninsured/underinsured motorist coverage, medical payments, and hired and non-owned auto liability.
Is my personal auto policy enough for a work vehicle?
Usually not. Personal auto insurance typically excludes business use, which means an accident during work could leave you without coverage. A commercial policy closes that gap.
Is commercial auto insurance different for small businesses?
The coverage types are the same, but we tailor the policy to your fleet size and how you use your vehicles, whether that's one work truck or a dozen.
Ready to cover your fleet the right way?
Get a commercial auto policy built around how your business actually operates, with a real agent on the line whenever you call.
