Commercial Auto Insurance
Commercial auto insurance helps protect vehicles used for business purposes—from company cars to delivery vans and contractor trucks. Whether you’re navigating Tampa highways or driving through Richmond neighborhoods, having the right coverage is essential for protecting your business on the road.
Keep Your Business Rolling
Vehicles are vital tools for many businesses, but they also come with serious risks. Accidents, theft, or damage can lead to downtime, lawsuits, or uncovered costs if you’re relying on a personal auto policy. Commercial auto insurance provides the protection your business needs for everyday driving, deliveries, or transporting equipment in Florida and Virginia.
From local contractors and florists to real estate brokers and food service operators, we help businesses understand what coverage applies to work-related vehicle use—whether you own one vehicle or an entire fleet.
Why Commercial Auto Coverage Is a Must-Have
Personal auto insurance usually doesn’t cover business use. This policy helps bridge the gap and protect your operations.
Stay Compliant With State Laws
Florida and Virginia both require minimum liability coverage for business vehicles—commercial auto policies help you meet those thresholds.
Cover Accidents, Damage & Lawsuits
Whether it’s a fender bender or a major collision, commercial auto insurance helps with vehicle repairs, medical bills, and legal defense.
Protect Business Assets on the Move
Covers vehicles transporting tools, goods, or employees—key for trades, deliveries, or mobile services.
What Can Commercial Auto Insurance Cover?
This coverage provides financial protection for both everyday driving and unexpected events on the road.
Liability Coverage
Covers bodily injury and property damage if your driver is at fault in an accident.
Collision Coverage
Pays for repairs to your company vehicle after a collision, regardless of fault.
Comprehensive Coverage
Protects against theft, vandalism, fire, falling objects, or weather-related damage.
Uninsured/Underinsured Motorist
Helps cover injuries or damage caused by drivers with too little or no insurance.
Medical Payments Coverage
Helps pay for medical bills for your driver and passengers after an accident.
Hired & Non-Owned Auto Insurance
Covers vehicles not owned by your business—important if employees use personal cars for work.
Commercial Auto Insurance FAQs
Is commercial auto insurance required in Florida and Virginia?
Yes. Both states require a minimum amount of liability insurance for business-owned vehicles. In Florida, you’re required to carry $10,000 in personal injury protection (PIP) and $10,000 in property damage liability, while Virginia requires bodily injury and property damage coverage, and may impose a fee for uninsured vehicles.
Can I use my personal car for business without commercial auto coverage?
It depends. If you regularly use your personal vehicle for business (deliveries, meetings, transporting tools), a personal auto policy likely won’t cover business-related incidents. In both Florida and Virginia, you may need hired and non-owned auto coverage to fill this gap.
How is commercial auto insurance priced?
Premiums are based on factors like the type of vehicle, driving history, usage, number of vehicles, and your business location. A work truck in Sarasota will be rated differently than a delivery van in Virginia Beach.
Does it cover employee drivers?
Yes—as long as the employee is listed on the policy or driving with permission under company guidelines. For both states, having clear driver eligibility requirements and safety policies can also help reduce premium costs.
What if my business uses rented or leased vehicles?
You may need hired auto coverage to protect your business when using vehicles you don’t own. This is especially common for Virginia service providers and Florida seasonal businesses that rely on rentals during busy months.
