Commercial Auto Insurance in Florida

Keep Your Business Moving Safely

At FLORIDA WE INSURE AGENCY, we know business vehicles are more than just transportation, they’re essential tools for your work. Whether you operate contractor vans, delivery trucks, service vehicles, or a company fleet, our Florida‑focused Commercial Auto Insurance ensures your vehicles, your drivers, and your business stay protected.

Tampa

Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.

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What Commercial Auto Insurance Covers

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Liability Coverage

Covers bodily injury and property damage caused to others if your business vehicle is at fault in an accident.

Collision Coverage

Pays for repairs or replacement if your vehicle is damaged in a collision with another vehicle or object.

Comprehensive Coverage

Protects against non-collision risks such as theft, vandalism, fire, falling objects, and Florida’s severe weather events.

Medical Payments / Personal Injury Protection (PIP)

Covers medical expenses for drivers and passengers injured in an accident, regardless of who’s at fault.

Uninsured / Underinsured Motorist

Provides protection if your driver is hit by someone with insufficient or no insurance

Hired / Non-Owned Auto Coverage

Extends liability protection to vehicles not owned by your business but used for business purposes, like employee-owned cars.

Who Needs Commercial Auto Insurance in Florida

Any business using vehicles for work should consider Commercial Auto Insurance. That includes contractors, tradespeople, and service providers transporting tools or materials; delivery and courier companies; restaurants, retailers, or any business delivering goods; real estate and property‑management firms driving to inspections or maintenance jobs; and any business with a company vehicle, even if it’s only one. If your vehicle is used for business purposes — rather than personal use — a commercial auto policy offers protection and compliance.

Why Commercial Auto Insurance Matters

If your business depends on vehicles for deliveries, transporting equipment, or traveling to job sites — you face risks beyond the typical commute. Accidents, collisions, theft, storms, or damage to other people’s property can lead to major liability, repair, or replacement costs. Florida’s weather patterns, heavy traffic, and coastal exposures increase those risks. Commercial Auto Insurance helps safeguard your business by covering liability, vehicle damage, and business‑related driving risks so an incident doesn’t derail your operations.

Why Choose FLORIDA WE INSURE AGENCY for Commercial Auto Coverage?

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30+ Florida Carriers Compared

We shop top business insurers to find the right balance of coverage and cost for your vehicle needs.

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Built for Florida Risks

We understand local exposures — from hurricanes and floods to busy urban roads and long delivery routes.

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Annual Policy Review

 If your commercial auto claim is delayed, denied, or underpaid, our in-house legal team advocates for you at no extra cost.

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Real Local Agents

You’ll work with experienced Florida-based agents who understand regional driving risks and local business regulations.

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Tampa

Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.

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Commercial Auto Insurance FAQs

  • Is commercial auto insurance required for business vehicles in Florida?

    Yes — if a vehicle is used for business purposes (owned, leased, rented, or used by employees), a commercial auto policy is typically required rather than a personal auto policy.

  • Does commercial auto insurance cover theft or storm damage?

    Yes — if you select comprehensive coverage, it protects against non‑collision risks such as theft, vandalism, fire, storm damage, or flood-related damage to business vehicles.

  • Will a personal auto policy cover a work truck or van?

    No. Personal auto insurance usually excludes business use. A commercial auto policy is designed to cover the higher liability and operational risks associated with business vehicle use.

  • Can I insure multiple vehicles under one commercial auto policy?

    Yes. Our policies can be structured to cover a single vehicle or an entire fleet, depending on your needs and business size.

  • What if my employees use their own cars for work?

    With the right policy options, you can cover hired or non-owned vehicles — so you still get liability protection even if the vehicle isn’t owned by the company.

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Service areas

Commercial Auto Insurance Across Florida

We offer Commercial Auto Insurance throughout Florida, including:

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Commercial Auto Insurance in St. Augustine, FL

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Commercial Auto Insurance in Jacksonville, FL

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Commercial Auto Insurance in Tampa, FL

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Commercial Auto Insurance in Sarasota, FL

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Commercial Auto Insurance Across Florida

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Get Your Business Fleet Insured Today

Don’t leave your vehicles and your business exposed. Let’s build a Commercial Auto Insurance policy that safeguards your assets, drivers, and operations so you can focus on what you do best.