Commercial Auto Insurance for Florida Businesses

Commercial auto insurance can be a crucial step in getting proper coverage for your small business. This type of policy is typically designed to offer a wider umbrella of coverage for your business and may include higher liability limits.  

If your business uses vehicles, commercial auto insurance may also be important for avoiding out-of-pocket expenses after covered accidents. If you are interested in exploring options for commercial auto insurance in Florida, Infinity Insurance Agency, LLC (IIA) can assist you! Our team can help you find the cheapest commercial auto insurance in Florida for your budget. 

With IIA, we can offer you:

• Same-day digital IDs, after payment is issued
• Additional insured, waiver of subrogation and primary or non-contributory endorsements when available
• Coverage for cars, vans, and trucks used for business purposes
• Flexible payment options
• Spanish-bilingual help  

Call IIA today at 1-855-478-3705 to discuss your insurance options!

Who needs commercial auto insurance in Florida?

In Florida, state law requires that all drivers have the minimum mandated auto insurance to drive legally. For businesses that use vehicles for their operations, personal auto policies typically won’t cover those situations. Plus, some larger vehicles or trucks in Florida may specifically require higher coverage limits which you may only be able to get with commercial auto insurance.  

If you’re wondering if your operations need commercial auto insurance, here are some examples of common Florida businesses that may require this type of policy:  

• Construction
• Contractors/building development
• Home improvement services
• HVAC repair services
• Lawncare services
• Couriers / wholesale delivery services
• Cleaning services
• Carpenter services
• Food trucks
• Mobile services
• Taxi services, if applicable
• Businesses with small fleets

If you’re operation uses cars, pickups, vans, or straight trucks, you may need commercial auto insurance. Contact IIA for commercial truck insurance in Florida that may help you navigate certain situations while you’re on the road!

How a commercial auto policy works

A commercial auto insurance policy is typically comprised of a combination of coverages. At IIA, we work with providers that offer a variety of coverage options that may be helpful for your enterprise. These may include:  

• Liability coverage: This coverage can help pay for property damage to a third party or injuries to someone else caused by your business vehicle.
• Collision coverage: This insurance can help pay for repairs to your vehicle if it’s damaged in an accident.
• Comprehensive coverage: This can help cover damages from non-collision incidents like theft, vandalism, or natural disasters.
• Uninsured/underinsured motorist coverage (UM/UIM): This coverage may help pay for damages to your vehicle or bodily injuries sustained if you're in an accident with a driver who has little or no insurance.
• Medical payments coverage/personal injury protection: This insurance can help pay for medical expenses for you and your passengers in the event of an accident.  

By adding coverage to your policy that aligns with your needs and industry, you may be able to avoid paying large out-of-pocket costs after covered accidents.  

Commercial auto insurance requirements in Florida

The Florida commercial auto insurance requirements are the same for all four-wheeled vehicles registered in the state. Just as with your personal auto insurance policy, you must have both personal injury protection (PIP) and property damage liability (PDL) insurance to operate a vehicle legally in Florida. As of 2026, these limits are as follows:

• A minimum of $10,000 in PIP
• A minimum of $10,000 in PDL

PIP coverage can help cover medical expenses to you or your passengers after an accident, while PDL can help pay for expenses incurred to another person’s property caused by you or someone else after an accident.

Remember, these limits only represent the minimum state requirements. Depending on the nature of your business and the vehicles you own, you may want to consider a policy with additional coverage or increased limits. Certain businesses, like taxi companies, are required in Florida to have higher PDL limits and bodily injury liability (BIL) coverage to operate lawfully.  

If you’re concerned about what coverage you may need on your commercial auto insurance policy, call IIA. Our experienced agents can help guide you through your business and industry needs.  

How much does commercial auto insurance cost in Florida?

Are you curious about how much commercial auto insurance may cost in Florida? Commercial auto insurance rates are typically determined by a combination of factors. For example, a small flower delivery business in Clearwater may have a different coverage rate than a multi-vehicle landscaping outfit running out of Orlando.  

Here are some factors insurance companies may consider when determining your rate:

• The type of business you have/your industry
• The make and model of vehicles being operated
• The driving history of your employees
• Your employee's typical travel radius/mileage
• Type of cargo being carried
• The location of your business
• Your policy deductible and limits
• Your business claims history  
• Fleet size

IIA can help you find affordable insurance for your needs and budget. Our agents can help you compare commercial auto insurance quotes in Florida so you can locate a rate that works for you. We can also add drivers and vehicles to your policy if your fleet size grows for your business! 

IIA coverage options for businesses in Florida

In addition to commercial car insurance, your company may need other types of coverage like commercial general liability insurance. This type of coverage can help mitigate risks and liabilities associated with running a small business.  

General liability insurance may help lower the financial losses incurred from third-party claims of bodily injury, property damage, and personal injury. For instance, commercial general liability can potentially cover the medical costs if a customer slips and is injured on your business premises.  

Commercial general liability insurance typically includes:

• Bodily injury and property damage  
• Personal and advertising injury
• Medical payments

IIA works with reputable carriers that can offer commercial general liability as well as commercial auto insurance with additional coverage options such as collision, comprehensive, damage, and uninsured/underinsured motorist coverage to businesses throughout Florida.  

Ways to save on auto insurance in Florida

With IIA, you may be able to find solutions that can decrease your premium. We work with 20+ carriers that offer discounts that you may be eligible for. Some of these include:

• Bundling multiple vehicles or a fleet on one policy
• Paying your premium in full
• Proof that you’ve had prior coverage
• Clean driving history
• Adding a telematics device to your vehicle(s)
• Installing anti-theft devices

How to get a quote  

Looking for a policy today? These steps may help you get an accurate quote:  

• Enter ZIP and business details: Our team may ask you to provide information like driving history, how many employees you have, your location, and fleet size.  
• Compare carrier options and endorsements: We can help you locate policies from different carriers so you can find a rate that works for your budget.  
• Bind and get digital ID cards: Once you purchase a policy, we can get you same-day proof of insurance.