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Home > Specialty Auto Insurance in Florida

Specialty Automobile Insurance


Specialty Automobile Insurance Information

As a full-service, independent insurance agency, Business Insurance Center of Florida strives to offer only the best in commercial insurance solutions to all central Florida residents. We’re here to make your search for quality benefits simple, efficient and affordable.  

All commercial vehicle owners require commercial auto insurance; some of these vehicles, due to their unique features or uses, require a specialized degree of coverage. The right commercial auto policy will offer critical assistance that will help you protect company vehicles, employee drivers and cargo in transit against any roadway hazards or unexpected vehicle accidents. Don’t try to get behind the wheel without it.  

Call us at 407-354-9868 or request your free commercial auto insurance quote now!  

Common Commercial Auto Insurance Questions  

Why do I need commercial auto insurance?  

When you buy a vehicle (or fleet of them) for your company or even allow an employee to operate their own vehicle on your behalf, then your business could be one of the parties to suffer should something happen to one of those drivers or vehicles. Commercial auto insurance is designed to provide you with financial assistance throughout the recovery process; as a result, your company will not face financial setbacks just because an accident occurred.  

Who needs commercial auto insurance?  

Though very similar to personal auto insurance, a commercial auto policy will contain specialized coverage terms designed to protect the company’s investment in the vehicles.  

Various vehicles and drivers might need to be covered by a commercial auto policy. These include:  

  • Vehicles owned by a business

  • Employees who drive their personal cars on business-related errands

  • Company cars provided to employees for commercial and private use

  • Vehicles hired or rented by the business

  • Certain personal vehicles that qualify as commercial due to their weights or sizes


Specialty vehicles that might qualify for commercial auto insurance include: 

  • Party buses

  • Charter buses

  • Tourist buses

  • Limos

  • Hotel and courtesy shuttles

  • Tow trucks

  • Not-for-Hire dump trucks


Because these vehicles have specialized uses, they will often merit special considerations when implementing your commercial auto policy. Our agents are here to help you get those benefits affordably. 

What does commercial auto insurance cover?


The average commercial auto policy can offer numerous benefits, each of which can apply to different loss scenarios involving your vehicles or drivers. These include:  

  • Liability insurance: When an accident is deemed your fault, this coverage help you pay for the damage you do to others (like other drivers) who weren’t in the car with you.

  • Bodily injury liability coverage: This plan pays for third-party medical bills and sometimes for death benefits.

  • Property damage liability coverage: This pays for damage to the other party’s property.

  • Hired/Non-owned auto liability insurance: This liability coverage extends to vehicles used for business purposes but not owned by the business. These might include employees’ personal cars or vehicles you rent or hire to use temporarily.

  • Collision insurance: This covers damage to your own vehicle that you sustained in a wreck.

  • Comprehensive insurance: This coverage pays for damage from nonaccidental mishaps, such as weather damage, fires, theft, vandalism or similar accidents.

  • Medical payments/Personal injury protection: If you get hurt in an accident, this coverage can pay for your medical bills. Sometimes, it will cover other losses, such as lost income.

  • Passenger medical payments:Ifa passenger in your commercial vehicle (i.e. one of your bus passengers) gets injured in an accident, then you can also adjust your medical payments benefits to cover these expenses, as well.

  • Uninsured/Underinsured motorist insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.

  • Custom parts coverage: Some commercial vehicles, such as limos, might have a high degree of customization. If you add any features to the vehicle that were not included by the manufacturer, you can cover them using this benefit.


Other benefits like roadside assistance, replacement cost vehicle coverage, custom parts coverage, rental car benefits and gap insurance might also be available. 

Furthermore, to adequately insure all aspects of your commercial auto operations, you might need benefits like: 

  • Inland marine insurance

  • General liability insurance

  • Workers’ compensation insurance

  • Commercial property insurance

  • Employment practices liability insurance (EPLI)

 

Is commercial auto insurance required?  

Because your business’s uses of vehicles are unique, you must customize your commercial auto plan to make it work specifically for you.  

You must carry coverage that meets all standards set by Florida’s mandatory commercial auto insurance laws. Minimum coverage limits for all commercial vehicles are: 

  • $10,000 personal injury protection (PIP)

  • $10,000 property damage liability insurance


However, if your vehicle weighs more than 26,000 pounds, then you must carry at least the following combined limits of bodily injury/property damage liability coverage (per occurrence).  

  • 26,000–34,999 pounds: $50,000

  • 35,000–43,999 pounds: $100,000

  • > 44,000 pounds: $300,000


Additionally, for-hire passenger carriers will be subject to insurance requirements set by the Federal Motor Carrier Safety Administration (FMCSA). Minimum FMCSA liability requirements are: 

  • Vehicles with 16 or more passengers (driver included): $5 million

  • Vehicles with 15 or fewer passengers (including driver): $1.5 million


Further FMSCA requirements exist for all interstate commercial truckers, and you should speak to one of our agents to learn what your minimum insurance requirement will be. We will ensure you have a high degree of protection available in any challenging vehicle mishap.  

How much does commercial auto insurance cost?  

Numerous factors can influence commercial auto insurance costs, including the types and amounts of coverage you buy, the location of your business and the value of the vehicles to be insured.  

Our agents are committed to working with you to optimize benefits in ways that will still keep them affordable, even as you build upon your coverage to ensure you receive the highest level of protection.  

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