Trusted Local Expertise • Free Consultations • Customized Policies
When Your Business Hits the Road, We've Got Your Back
Florida law requires commercial auto insurance for any vehicle used for business—not just commuting. At FLB Insurance Agency, we’ll help you protect your business vehicles, drivers, and assets with customized coverage from top insurers.
Who Needs Coverage?
Any vehicle used for business purposes—regardless of ownership—requires a commercial policy. This includes:
- Delivery vans, contractor vehicles, food trucks, real estate vehicles, cleaning services, and service technicians.
- Vehicle rentals or use of employees’ personal vehicles for work (covered by hired/non-owned auto), which personal auto policies won’t cover.
What Does Commercial Auto Insurance Cover?
Coverage Type
What It Protects
Liability (BI & PD)
Bodily injury or property damage your business vehicles cause. Florida requires at least 10/20/10 limits, but FLB can help evaluate higher limits to protect your business.
Collision Coverage
Repairs or replacements from accidents.Chapman Insurance GroupProgressive CommercialAmerican US Insurance
Comprehensive Coverage
Damage from theft, vandalism, weather (hurricanes), fire.Progressive CommercialChapman Insurance Group
Uninsured/Underinsured Motorist
Covers costs if an at-fault driver lacks sufficient insurance.Chapman Insurance GroupAmerican US Insurance
Medical Payments / PIP
Covers medical bills for drivers and passengers regardless of fault—required in Florida.Progressive CommercialSkylake Insurance
Coverage Type
What It Protects
Hired & Non-Owned Auto (HNOA)
Liability for use of rented or employee-owned vehicles while conducting business.
Optional Add-Ons
Includes roadside assistance, rental reimbursement, loading/unloading, cargo and towing coverage.
Why Personal Auto Insurance Isn’t Enough
- Business use excluded: Regular personal policies typically deny claims if the vehicle is used for work or deliveries—even minor tasks like carrying tools.
- Riskier driving: Commercial drivers cover more mileage, unfamiliar routes, and frequent stops—raising your overall risk—and insurance rates.
- Claim denial risk: Claims may be denied entirely if the insurer finds business use not disclosed upfront.
What Affects Your Rate?
- Business type & vehicle use: High-risk professions or specialty vehicles (e.g. heavy trucks or food trucks) cost more.
- Vehicle characteristics: Size, value, and equipment attached (like vending units) influence premiums.
- Driver history: Insurance reviews past accidents and violations over a 3–5 year window.
- Operational radius: Local routes often cost less than statewide or national travel.
- Policy terms & limits: Higher deductibles and lower liability limits reduce premiums—but increase risk exposure.
Florida commercial auto insurance averages around $266/month, though rates can range from $150–$575 depending on your fleet, coverage, and business risk profile.
How FLB Insurance Simplifies Coverage
1. Free Risk Review
We assess your vehicles, business use, drivers, and liability exposure to find the right coverage level.
2. Competitive Quotes
We compare NFIP-compliant policies and private carriers so you're not searching multiple agencies.
3. Policy Customization
Add value with options like rental reimbursement, roadside assistance, cargo coverage, and driver protection.
4. Claims Support
From filing to resolution, FLB acts as your advocate—onboard and renewal.
Common Questions
Is commercial auto really required in Florida?
Yes. Any vehicle used for business must meet state minimums of $10K PIP and $10K PD liability—or face fines, license suspension, or worse.
What if an employee uses their own car for work?
Hired & non-owned auto coverage protects your business in such cases. Personal policies don’t cover this usage.
Why does commercial cost more than personal insurance?
Actuarial models show greater risk exposure due to longer hours, diverse routes, cargo, tools, and commercial traffic patterns.
Request Your Commercial Auto Insurance Quote Today
Contact FLB Insurance Agency for a customized commercial vehicle insurance quote across Florida.
