What Vehicles Need Commercial Auto Insurance?

Any vehicle used for any type of business activity must be insured under a commercial policy.  This includes obvious vehicle usage such as: carrier and delivery trucks; taxi cabs, limousines.  Less obvious business vehicle usage that must be covered by business insurance include: messenger vehicles; pizza and other local delivery vehicles; any vehicle registered to a business or used in any way for business purposes. Failure to insure a vehicle being used for any business purpose under a commercial auto policy is a risk to the business itself, especially small businesses that could go out of business if a liability claim is denied.

Florida Commercial Auto policies offers the protection necessary to keep a company out of legal trouble and covers their liability in the event a commercial vehicle is involved in some type of accident. To learn more about what type of insurance a company requires for its vehicles, contact an experienced business or commercial auto insurance expert to discuss specific needs to get the right coverage for your company vehicles!

Who needs commercial auto insurance?

If you or your Florida employees use your vehicle as part of your business, you need a commercial auto policy. We often cover vehicles used by:

Electricians, plumbers, and HVAC professionals

Carpenters, painters, and other contractors


Dog Groomers

Caterers and food vendors

Other business types, like real estate and sales

If you drive for Uber, Lyft, or a delivery service like Amazon Flex or Grubhub,you need rideshare insurance instead.

Without commercial auto insurance, you risk:
● Limited or no coverage for accidents while using your vehicle for business
● Paying out of pocket for repairs, injuries, and more
● Losing your personal auto coverage

Auto Insurance That Protects Your Car and Bottom Line

As with personal auto insurance, a commercial auto policy can be
structured to provide financial protections against personal injury and
other liabilities, as well as coverage for collisions and uninsured
motorists. And you can purchase comprehensive coverage that will
insure you against damage to your vehicles caused by risks like fire,
theft, hail, and floods.
Commercial auto insurance typically provides for higher policy limits
than personal auto. The point here is to safeguard your Florida business
assets from lawsuits and other liabilities.

Commercial Truck Insurance Florida

Box trucks

Truck Insurance Broward County

Semi trucks

Flatbed trucks

Front loaders

Pickup trucks

Other trucks


Dump trucks

Auto hauler trailers

Flatbed trailers

Tell Us About Your Business

What Types of Insurance Are You Interested In?