Get Your Free Commercial Auto Insurance Quote
Commercial auto in Florida covers everything from a contractor's single F-250 work truck to a 40-unit distributor fleet running statewide deliveries. Florida First Insurance of Broward writes business-auto policies for owned, hired, and non-owned exposure — with attention to radius-of-operation, GVW class, MCS-90 filing requirements for federally regulated carriers, and the heavily watched Florida MGA and surplus-lines markets that step in when standard carriers decline.
The cost drivers are radius (local vs intermediate vs long-haul), commodity hauled, driver MVR history, and the carrier's appetite for fleet versus monoline business. We rate against fleet-eligible markets at five-plus units, package small accounts under one-to-four units on commercial auto and BOP combined, and place trucking-class accounts (motor carrier filings, Filing-2290 history, IFTA status) where they belong.
Business-auto policies bind across the southeast tri-county of Miami-Dade, Broward, and Palm Beach; Collier and Lee on the Gulf; through Sarasota, Manatee, Hillsborough, Pinellas, and Pasco around Tampa Bay; Polk and Orange across the I-4 corridor; Brevard, Volusia, and Seminole along the Atlantic; Alachua, Marion, and Duval through North Central and Northeast Florida; and Leon and Escambia in the Panhandle.
Commercial auto quotes are available for fleets and single-unit operators in Miami, Fort Lauderdale, West Palm Beach, Boca Raton, Fort Pierce, Port St. Lucie, Palm Bay, Melbourne, Titusville, Daytona Beach, Jacksonville, Gainesville, Ocala, Orlando, Lakeland, Winter Haven, Tampa, St. Petersburg, Clearwater, Sarasota, Bradenton, Fort Myers, Cape Coral, Punta Gorda, Naples, Pensacola, Fort Walton Beach, Panama City, and Tallahassee.
What Does Commercial Auto Insurance Cover?
- Liability Coverage — Covers injury and property damage you cause to others while using your vehicle for business purposes.
- Collision Coverage — Covers damage to your business vehicle from accidents regardless of fault.
- Comprehensive Coverage — Covers theft, vandalism, weather, and other non-collision damage to your vehicle.
- Uninsured Motorist & Medical Payments — Covers costs if hit by uninsured drivers or provides medical coverage for your employees.