Florida commercial auto insurance,
for the work vehicles.
Commercial auto insurance covers vehicles owned or used by a Florida business. Trucks, vans, fleet vehicles, contractor vehicles, and any vehicle used for business purposes. Personal auto policies exclude commercial use. Hendrickson Insurance writes Florida commercial auto across Sarasota, Bradenton, Tampa, St. Petersburg, Clearwater, Venice, and Lakewood Ranch. From single-vehicle contractor policies to small fleets.
Commercial auto for Florida business vehicles.
Single-vehicle contractor pickups, service vans, delivery vehicles, and similar business vehicles. The most common commercial auto class in Florida.
Delivery, moving, and local hauling box trucks. Coverage for vehicle, cargo (when added), and business use.
Multi-vehicle fleets up to 25 vehicles. Sales fleets, service fleets, contractor fleets. Combined policies with fleet discounts.
Trade contractor pickups with tools and equipment. Often paired with inland marine coverage for tools/equipment in transit.
HVAC, plumbing, electrical, landscaping, pest control, and similar service business vehicles with specialized equipment.
Dump trucks, trailers, and specialty commercial vehicles. May require specialty markets for certain classes.
A commercial auto policy has more parts than personal.
Most Florida commercial auto policies use combined single limit (CSL) rather than split limits. $1M CSL is common, higher limits required for some contracts.
ACV or stated amount coverage on commercial vehicles. Stated amount sometimes used for specialty vehicles or older trucks with high market value.
Coverage for rented vehicles and employee-owned vehicles used for business. Critical for businesses where employees occasionally drive their own cars on company business.
Separate coverage for goods being transported. Required for many shippers and contracts. Coordinated with general inland marine if needed.
You may also need.
Foundation liability coverage that pairs with commercial auto for most businesses.
02 / Related CoverageFlorida commercial auto verdicts can exceed underlying limits; umbrella protects assets.
03 / Related CoverageEmployees injured while driving on the job involve both commercial auto and workers comp.
Call 941-952-7991 or schedule online. Have VINs, drivers, and usage ready.