- Se Habla Español
- FL Agency License L016633
Commercial auto
Work trucks, vans, company cars and fleets. If your business owns vehicles or your employees drive for work, we’ll make sure you’re covered on the road.
The short answer
Personal auto policies usually exclude vehicles used mainly for business. Commercial auto insurance covers vehicles owned or leased by your business, the employees who drive them and the liability that comes with them. If employees drive their own cars for work, hired and non-owned auto coverage protects your business from claims that follow an accident.
Commercial auto policies include liability, PIP as required in Florida, uninsured motorist, collision and comprehensive, plus options like rental reimbursement, towing and coverage for tools and equipment. Higher liability limits are common because contracts and clients often require them.
Need general liability or workers’ comp too? We’ll put your whole business insurance program together.
If the truck is titled to your business or used mainly for work, usually yes. Personal policies can deny claims on vehicles used for business.
It protects your business when employees drive their own cars or rented vehicles for work and cause an accident. It doesn’t replace the employee’s own policy.
Usually not under the auto policy alone. Tools and equipment are typically covered by an inland marine or tools endorsement. We’ll add it if you need it.
