Florida Commercial Auto Insurance — Single Vehicles, Fleets, and Trucking
Florida law treats commercial vehicles differently than personal vehicles. The moment a vehicle is titled in a business name, used for delivery, used to haul tools, used to carry passengers for hire, or driven by anyone other than a household member, it usually needs a commercial auto policy. We write single trucks for contractors, multi-vehicle fleets for service companies, food trucks, delivery vans, livery and limousine vehicles, and DOT-regulated trucking under both standard and non-standard markets.
- Single vehicles to 100+ unit fleets
- Contractors, delivery, livery, food trucks
- DOT filings and FMCSA compliance
- Same-day ID cards and additional insureds
Commercial Auto Quote in 60 Seconds
1–100+
Units written
$1M
Standard CSL limits
DOT
Filings filed for you
Same day
ID cards & COIs
When you need commercial auto instead of personal
If your vehicle is titled in a business name, used for delivery, used to transport goods or passengers for hire, leased to or by your business, driven by employees, or carries equipment/inventory beyond personal-use levels, a personal auto policy will likely deny the claim. Commercial auto is purpose-built for these situations. We routinely fix coverage gaps for contractors and delivery operators who were running on personal policies and didn’t know it.
Liability (CSL)
A single combined-single-limit number that covers bodily injury and property damage caused to others. $1M CSL is the new standard for any serious commercial vehicle. Florida’s litigation environment makes lower limits dangerous.
Physical Damage
Comprehensive (theft, vandalism, hail, hurricane, falling objects) and Collision (crashes) on the truck or van itself. Required on financed and leased vehicles, strongly recommended on any work vehicle that cannot be replaced in cash.
Uninsured Motorist
Florida has roughly 1 in 5 drivers uninsured. UM pays your driver’s medical bills, lost wages, and pain-and-suffering when an at-fault uninsured driver hits them. Critical for any fleet.
Coverage details that matter
Hired & Non-Owned Auto
When an employee uses their personal vehicle for work or you rent a vehicle for a job, HNOA covers liability above the personal/rental policy. Critical for businesses where employees run errands or you occasionally rent.
Cargo & Equipment
For vehicles that carry tools, materials, or third-party cargo. Standard auto policies do not cover what’s inside the truck. We add motor truck cargo, equipment floaters, and tools coverage as needed.
Rental Reimbursement & Downtime
When a work truck is in the shop, rental reimbursement keeps your business running. For trucking and delivery, downtime coverage replaces lost revenue on top of physical damage.
Contractor pickups, vans, and “tools of trade”
Florida contractors are the largest commercial auto segment we write. The biggest mistake we see: a contractor titles a pickup in their personal name and runs it on a personal auto policy, but uses it daily for the business and carries $20K in tools. A serious crash + tools-of-trade claim almost always gets denied by the personal carrier because of the business use. We move these to commercial auto with tools-of-trade endorsements at premiums that often only run $200–$500 a year more.
- Pickups and vans used daily for business → commercial auto
- Tools and equipment in the truck → tools-of-trade or inland marine
- Multiple drivers, employee drivers → commercial only
- Trailers (open, enclosed, equipment) → separate trailer scheduling
Delivery, food trucks, and Uber Eats / DoorDash / Amazon Flex
Personal auto policies in Florida explicitly exclude delivery use — Uber Eats, DoorDash, Instacart, Amazon Flex, pizza delivery, courier work. A crash while delivering will be denied by your personal carrier. We have specific Florida carriers that write rideshare and delivery endorsements, plus food truck operators, mobile food vendors, and last-mile delivery fleets.
- Uber Eats, DoorDash, Instacart, Amazon Flex → rideshare/delivery endorsement
- Food trucks and mobile vendors → commercial auto + GL + property
- Last-mile and route delivery → fleet policies with DOT compliance
- Livery and limousine → for-hire passenger policies
Frequently asked questions
Do I really need commercial auto?
If your vehicle is in a business name, used for delivery or hauling, driven by employees, used to transport passengers for hire, or carries significant tools and equipment, yes. Running a true commercial vehicle on a personal policy almost guarantees a denied claim on a serious loss.
How much does commercial auto cost in Florida?
A single contractor pickup with $1M liability and full physical damage typically runs $1,800–$3,500 a year in Florida. Light delivery vans run similar. Food trucks, livery, and DOT-regulated trucking run higher based on radius and cargo. Fleet rates per unit drop as the fleet size grows.
Do you handle DOT filings?
Yes. For DOT-regulated motor carriers, we file BMC-91 / BMC-91X with FMCSA and the MCS-90 endorsement as required. Operators under 10,001 lbs generally do not need federal filings unless interstate cargo or hazmat is involved — we tell you exactly what applies.
Can I add my employees as drivers without raising the rate too much?
Sometimes. Each driver is rated based on their MVR (driving record). Clean MVRs cost very little; bad MVRs (DUI, multiple at-fault, license suspension) can be surcharged or excluded entirely. We run MVRs at quote time so you know what each driver costs before they get behind the wheel.
What is hired and non-owned auto (HNOA)?
HNOA covers liability when you or an employee uses a personal vehicle, a rental, or a borrowed vehicle for business purposes. It is typically a small add-on to a BOP or GL policy. Critical for businesses that occasionally rent vehicles or have employees making business errands in their personal cars.
Do I need to file form MC-90?
The MCS-90 is a federally required endorsement on interstate trucking policies for motor carriers transporting property in interstate commerce. We add it automatically when DOT operating authority is required and explain when it does not apply to your operation.
Can I get commercial auto with a bad MVR or recent at-fault claim?
Yes. Several Florida non-standard commercial markets write fleets and individual units with prior claims, lapsed coverage, DUI, and other tough situations. Rates are higher but coverage is available and we work toward getting you back to standard rates as the record clears.
Florida commercial auto from single units to full fleets
Tell us your vehicles, drivers, and operation type. We will shop standard and non-standard markets and email you side-by-side fleet quotes — usually same day.