Your personal policy wasn't built for a work truck.
The van, the truck, or the whole fleet.
Personal auto policies commonly exclude business use — if the vehicle works, it usually needs a commercial policy. See business coverage.
The van, the truck, or the whole fleet.
Personal auto policies commonly exclude business use — if the vehicle works, it usually needs a commercial policy. See business coverage.
Commercial auto fits a single work truck as well as a small fleet. Here's who we write it for every day.
Work trucks hauling tools, materials, and crew from job to job across Florida.
Vans and vehicles on the road all day, earning their keep with every stop.
The vehicle that gets you to every call and every job site, one truck or a dozen.
Here's the gap that catches a lot of owners off guard: a personal auto policy typically excludes vehicles used for business. The truck is on the road every day earning its keep, but the personal policy behind it may not respond when it's being used for work. Commercial auto is built for exactly that, so the coverage matches how the vehicle is actually driven — liability for injuries and damage you cause to others, and physical damage for your own vehicle.
It doesn't have to stand alone, either. If you carry other business coverage, we can quote it alongside a Business Owners Policy or general liability so everything lines up under one roof and one conversation.
Get a free commercial auto quoteThis is the advantage of an independent agency: one quote request here puts multiple Florida carriers to work competing for you. No reason to spend your evening filling out forms site by site — comparing them is literally our job. The list changes as the Florida market changes; ask us for the current one.
Two minutes online, or call the office. Give us the basics on your vehicles, drivers, and how the business uses them, in English or Spanish.
We quote your commercial auto coverage across multiple Florida insurers and explain the differences in plain words.
Pick your policy and we handle the paperwork — and we're still here at renewal, audit, and claim time.
Usually not — a personal auto policy typically excludes vehicles used for business. That's the most common gap we find, and it's exactly what commercial auto is built to close.
Two kinds of protection: liability, for injuries or property damage you or your drivers cause to others, and physical damage, which covers your own vehicle for things like theft, fire, or a crash.
Yes. We can quote it alongside a Business Owners Policy or general liability so everything lines up under one roof. Tell us how the business runs and we'll build the right package, no jargon.
Two minutes online, or one call to the office. Commercial auto that fits how you work, at the best price we can find, since 1994.
Get a free commercial auto quote