What does Florida commercial auto cover?

Liability for third-party bodily injury and property damage from accidents involving your business vehicles, plus optional physical damage (collision and comprehensive) on the vehicles themselves. Florida is a no-fault state for personal auto, but commercial auto follows different rules.

Do I need separate commercial auto if I have personal auto?

Yes. Personal auto policies exclude business use. Driving for delivery, sales, service, or any commercial purpose without commercial auto means a denied claim if there is an accident.

What about delivery drivers using their own vehicles?

Hired-and-non-owned auto is a separate coverage that protects your business from liability arising from non-owned vehicles operated for business. Restaurant delivery and contractor crew vehicles commonly need it.

How does Florida no-fault affect commercial auto?

Florida personal injury protection (PIP) is required on personal auto but only on certain commercial vehicles. We confirm PIP requirements at quote based on vehicle type and use.

How does named-storm exposure affect commercial auto?

Comprehensive coverage on commercial vehicles covers named-storm flooding and wind damage. The deductible structure can match the property deductible or be set lower; we typically quote at $500-$2,500 comp deductible.

Veteran-Owned · DeLand, Florida

Florida Commercial Auto Insurance

Annual commercial auto for Florida businesses — service trucks, vans, fleets, hired-and-non-owned. Certificates within 24 hours.

Get a Florida Commercial Auto Quote Call (386) 775-1781

Veteran-Owned
100+ Yrs Experience
Fast Certificates
Real Agents
Florida Experts

Veteran-Owned
Independent agency
100+ Years Combined
Commercial expertise
Florida-Resident
DeLand, FL office
24-Hour COIs
Most certificates same business day

Trusted Carrier Partners

Why First Commercial

Why Florida Businesses Choose Us

We focus on the commercial insurance lines that need real expertise — and we treat every client like a long-term partner, not a policy number.

100+ Years Combined
Deep commercial insurance knowledge across our team.
We Answer the Phone
Real Florida agents — never a call center, never a chatbot.
Veteran-Owned Agency
Independent, veteran-owned, headquartered in DeLand, FL.
24-Hour Certificates
Most COIs and additional-insured endorsements issue same business day.

Who needs Florida commercial auto

Contractors with service trucks, parts trucks, and crew vehicles
Delivery operations (restaurant, retail, last-mile)
Mobile service businesses (HVAC, plumbing, lawn care)
Mobile event vendors with trailers (food trucks, axe-throwing, mechanical bull)
Florida fleet operators serving multiple counties

Florida-specific commercial auto exposures

Hurricane and named-storm flooding — covered under comprehensive on the policy
Year-round driving conditions; no winter pause that reduces frequency
High tourist-driver volume on I-95, I-75, and Florida Turnpike corridors
Florida is a no-fault state for personal auto; commercial auto follows different rules
Florida PIP applies to certain commercial vehicles per state DOI rules

Hired-and-non-owned auto

Hired-and-non-owned (HNOA) coverage protects your business from liability arising from vehicles you do not own — employees driving their own cars for business, contracted delivery drivers, or rented vehicles. It is a frequent gap in restaurant and contractor programs. We add HNOA as a standard endorsement when applicable.

Need a fleet or vehicle COI for a contract?

Request a Certificate

Common Florida commercial auto limits

$1M combined single limit common for service-vehicle operators
$1M / $1M / $1M split limits for fleet operators
$2M-$5M for trucking-class operations
Comprehensive deductibles $500-$2,500
Collision deductibles $500-$1,000

Frequently asked questions

Talk to a Florida commercial auto specialist

Call (386) 775-1781