Florida Commercial Auto Insurance

Commercial Auto insurance Florida protects businesses from loss or damage to their vehicles. This type of insurance covers collision, comprehensive, liability, medical payments, and uninsured/underinsured motorist coverage.

Commercial Auto Exposures Florida

If your company owns and operates a fleet of vehicles, you must make sure that it is covered by commercial auto insurance in Florida. This coverage protects your business from liability for accidents, theft, and other damages to your vehicles. Commercial auto insurance also protects your vehicles from vandalism and weather damage. Your policy must cover your business’s vehicles as well as those of any subcontractors.


Split limit insurance (and its counterpart, single limit insurance) are both about the total amount your insurer will pay toward personal injury and property damage claims after you’re involved in an at-fault accident. A split limit policy breaks out that total amount into three areas of liability: bodily injury per person and per accident, plus property damage per accident.

  1. $ 10,000 for each person injured in an accident
  2. $ 20,000 for all people injured in an accident
  3. $ 10,000 for all property damaged in an accident

Learn more about liability coverage. Discover ways to save on your commercial auto insurance.

Florida Commercial Auto insurance Cost

The cost of Commercial Auto Insurance depends upon the following factors,



Driving history


Travel radius

Coverage needs

Florida Commercial Auto Insurance Requirements

Florida state law requires a minimum of $10,000 in personal injury protection (PIP) to pay for the medical expenses of your drivers and passengers, regardless of who is at fault for an accident. Florida is considered a “no-fault” state, meaning that you can only sue an at-fault driver for injuries once this coverage has been exhausted.

What is Stacking Insurance in Florida?

Stacking insurance is a legal option that allows you to increase the amount of coverage you have on different vehicles. It’s a good idea in Florida, where one in four drivers does not have liability insurance coverage. The state also has the highest uninsured motorist rate in the country, coming in second only to California. By adding an additional policy, you can protect yourself and your family members.

There are two types of stacked insurance coverage in Florida. One type of insurance is uninsured motorist coverage, while the other is a combination of UM coverage and underinsured motorist coverage. Uninsured motorist coverage is more affordable than stacked UM and limits your coverage to injuries caused by other drivers in uninsured vehicles.

While some states ban the practice, other states allow insurers to structure policies in ways that maximize coverage. Alabama, for example, allows the stacking of three vehicles. Florida allows UM/UIM coverage on multiple vehicles, but you can reject it. In addition, some states prohibit the stacking of uninsured motorist coverage when the other driver is at fault in an accident.

Stacking insurance is a great way to protect your finances if you are involved in an accident with an uninsured driver. However, it is not free. Stacking insurance costs more than unstacked insurance, but it gives you peace of mind and financial security.

Contractors And Professionals In Need Of Commercial Auto Insurance Florida

Appliance Contractor – Building Contractor – Cargo Contractor – Carpenter Contractor – Masonry Contractor – Handyman – Window Installer – Specialty Contractors – Chimney Contractor – Cleaning Contractors – Concrete Contractor – Demolition Contractor – Security Contractor – Debris Removal Contractor – Fencing Contractors – Insulation Contractors – Mold Remediation Contractors – Underground Utility Contractors – Low Voltage Contractors – Drywall Contractor – Electrical Contractors – Excavation Contractors – Flooring Contractor – Framing Contractor – Paving Contractors – Plastering Contractors – Waterproofing Contractor – HVAC Contractor – Repair Contractors – General Contractors – Welding Contractor – Landscape Contractors – Restoration Contractor – Painting Contractor – Plumbing Contractors – Renovation Contractor – Window Cleaning – Pressure Washing Contractor – Roofing Contractor – Scaffolding Contractors – Tile Contractor – Lawn Care – Pool Contractor – Sewer Line Contractor