Your personal auto policy does not cover what happens when a vehicle is used for business. The moment a delivery goes wrong, an employee runs a red light in a company truck, or a client is struck by your work van, your personal carrier will deny the claim. Commercial auto insurance closes that gap — and for any Florida business with vehicles on the road, it is not optional.
What Does Commercial Auto Insurance Cover?
- Liability for bodily injury and property damage your vehicle causes to others
- Collision coverage for damage to your vehicle in an accident
- Comprehensive for theft, vandalism, weather, and non-collision damage
- Uninsured and underinsured motorist protection
- Medical payments for drivers and passengers in the vehicle
- Hired and non-owned auto coverage for rented or employee-owned vehicles used for work
- Roadside assistance and rental reimbursement
- Gap coverage for financed or leased commercial vehicles
Your Personal Policy Will Deny Business-Use Claims
An employee makes a delivery, causes an accident, and you assume the personal auto policy covers it. In almost every case, it does not. Personal auto policies specifically exclude vehicles used primarily for business. Without a commercial auto policy, the full cost of the claim falls on your business — and it can be catastrophic.
What Vehicles Need Commercial Coverage in Florida?
Any vehicle titled to a business should have commercial auto insurance. Coverage is also recommended for personally-titled vehicles used primarily for business — food delivery, client transportation, tool-hauling, and contractor use all qualify as business use under most carrier definitions. Florida requires minimum liability limits for all commercial vehicles, and state-regulated industries like trucking and livery face additional FMCSA or FDOT requirements on top of standard state minimums.
Get Commercial Auto Insurance in Orlando, Florida
Insure USA, Inc. is an independent agency serving Orlando and all of Florida. We compare Commercial Auto Insurance options from multiple top-rated carriers. Call (321) 235-7377 or request a free quote online.