If vehicles are part of how you do business in Florida — service trucks, delivery vans, a fleet — your personal auto policy probably won't cover a work-related loss, and could deny the claim outright.
When you need commercial auto
You need it when the vehicle is titled to your business, used primarily for work, carrying tools, inventory, or passengers for business, or driven by employees. Contractors, tradespeople, and delivery businesses almost always need it.
What it covers
- Liability and physical damage for owned business vehicles
- Hired and non-owned auto — rented vehicles and employees' personal cars used for work
- Higher limits than a personal policy typically carries
Your tools aren't covered by auto
The gear in your truck isn't covered by auto insurance. Add an inland marine or tools-and-equipment endorsement for that.
Why personal auto fails here
Personal policies exclude regular business use, so a crash in a work truck can be denied. Commercial auto closes that gap — and we coordinate it with your general liability and workers' comp so nothing falls between policies.
Frequently asked questions
When do I need commercial auto instead of personal auto?
When a vehicle is titled to your business, used mainly for work, or carries tools, inventory, or passengers for business.
What is hired and non-owned auto coverage?
It protects your business when you or employees drive rented vehicles or personal cars for work purposes.
Does commercial auto cover my tools?
No — auto coverage is for the vehicle. Add a tools-and-equipment (inland marine) endorsement to cover gear in transit and on the job.
Vehicles in your business?
We'll quote commercial auto and coordinate it with your other coverage — free.
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