Commercial Auto Insurance for Businesses
Your personal auto policy wasn't built for business use — and if something goes wrong on the job, you could find out the hard way that you're not covered. We help Fort Lauderdale business owners close that gap with commercial auto coverage that actually fits how you work.
Your Personal Policy Has a Business Blind Spot
Most personal auto policies include language that excludes coverage when a vehicle is being used for commercial purposes. That means if you're making a delivery, hauling tools to a job site, or driving a client to a showing and you get into an accident, your personal insurer may have grounds to deny the claim entirely.
This isn't fine print that rarely matters. It's a coverage gap that catches Fort Lauderdale small business owners off guard every year — and it's one of the most common issues we see when someone calls us after an incident rather than before.
What Commercial Auto Insurance Actually Covers
Commercial auto insurance Fort Lauderdale businesses need isn't one-size-fits-all. Depending on how your vehicles are used, who's driving them, and what you're hauling, the right policy can be structured to include a combination of the following:
- Liability coverage for bodily injury and property damage you cause to others
- Physical damage coverage (collision and comprehensive) for your business vehicles
- Personal injury protection (PIP) as required under Florida law
- Uninsured/underinsured motorist coverage
- Coverage for employees operating company-owned vehicles
- Hired and non-owned auto coverage for employees using their personal vehicles for work
Not Sure Whether You Need Commercial or Personal Coverage?
A lot of Fort Lauderdale business owners use the same vehicle for personal and work purposes. Maybe it's your truck that goes to job sites during the week and hauls the family on weekends. That kind of mixed use is exactly where coverage questions get complicated.
We'll ask the right questions about how the vehicle is actually used — how often, for what purposes, and by whom — and help you figure out whether you need a commercial endorsement on your existing policy, a separate commercial auto policy, or a different approach altogether. There's no pressure and no guesswork. We just want to make sure you're not driving around with a gap you don't know about.
Business Lines
Business Vehicle Insurance Built Around Your Business
One Work Truck or a Full Fleet
Whether you're running one vehicle or several, we can find commercial auto coverage that fits. We represent multiple carriers and shop your coverage to make sure you're getting the right protection at a rate that makes sense for your business.
Employees Covered Behind the Wheel
If your team drives company vehicles, we'll make sure your policy reflects that. We'll structure coverage to extend to authorized drivers so you're not left exposed when someone else is behind the wheel.
Mixed-Use Vehicles, Sorted Out
If you use the same vehicle for personal and business purposes, we'll help you figure out where one coverage ends and the other begins — and make sure nothing falls through the middle.
Local Knowledge, Real Relationships
We've been serving Fort Lauderdale and Broward County businesses since 1993. When you call our office, you talk to someone who knows this market, knows the carriers, and knows your account. No call centers, no outsourcing.
Common Questions About Commercial Auto Insurance
Does my personal auto policy cover me if I use my car for work?
In most cases, no — not if the vehicle is being used for commercial purposes at the time of a claim. Personal auto policies typically exclude coverage for business use, which can leave you personally responsible for damages if an accident happens during a work errand, delivery, or client transport. A commercial auto policy or commercial endorsement is usually the right fix.What are Florida's minimum commercial auto insurance requirements?
Florida requires a minimum of $10,000 in property damage liability per accident and $10,000 in personal injury protection (PIP) for commercial vehicles. These are the legal minimums — most business owners will want higher limits to adequately cover their exposure in a serious accident.Does commercial auto insurance cover my employees?
Yes, a commercial auto policy can be written to cover employees as authorized drivers operating your company vehicles. This is one of the key differences between commercial and personal auto coverage — personal policies generally won't extend to employees, even if they're driving a vehicle you own.I only have one work truck. Do I really need commercial auto insurance?
If that truck is used regularly for business purposes — hauling tools, visiting job sites, making deliveries — then yes, a commercial auto policy is worth having. One vehicle used for business is still a business vehicle, and a personal policy likely won't cover a claim that arises from commercial use.Can I get fleet insurance if I have multiple vehicles?
Yes. Fleet insurance Fort Lauderdale businesses need is something we handle regularly. We can write coverage across multiple vehicles under a single commercial auto policy, which simplifies your administration and often provides better overall terms than insuring each vehicle separately.
Talk to a Fort Lauderdale Commercial Auto Agent
If your business depends on vehicles, we want to make sure your coverage does too. We've been helping Fort Lauderdale and Broward County businesses get the right commercial auto coverage since 1993 — and we're happy to walk you through your options, answer your questions, and figure out what actually makes sense for how you operate.