Commercial Lines Coverage

Commercial Auto Insurance

Fleet and commercial vehicle coverage that keeps your business moving — from a single work truck to a full fleet of delivery vehicles.

Get a free quote Call (305) 791-4872

Coverage overview

Personal auto policies don't cover vehicles used for business purposes. Commercial auto insurance protects your company-owned vehicles, your employees who drive them, and the cargo or equipment they carry. We work with carriers that specialize in commercial fleets across South Florida.

What we can include

Commercial liability coverage
Physical damage (collision & comprehensive)
Hired and non-owned auto
Uninsured motorist coverage
Medical payments
Cargo and equipment coverage
Fleet discounts available
Driver safety programs

Who needs it

Who needs commercial auto insurance?

Contractors & Trades

Plumbers, electricians, HVAC techs, and other tradespeople who use trucks or vans for work need commercial auto coverage.

Delivery Businesses

Any business that delivers goods — food, packages, supplies — needs commercial auto to cover vehicles and cargo.

Service Companies

Landscapers, cleaners, pest control, and other service businesses with vehicles on the road daily.

Real Estate Professionals

Agents and property managers who regularly transport clients or visit properties may need commercial coverage.

Fleet Operators

Companies with 5 or more vehicles benefit from fleet policies with volume discounts and centralized management.

Staffing Agencies

If employees drive their own vehicles for company business, hired and non-owned auto coverage protects your business.

Questions

Frequently asked questions

Don't see yours? Call or text us and we'll answer it.

Does my personal auto policy cover my work vehicle?

Generally no. If you use a vehicle primarily for business, a personal policy will likely deny claims that occur during business use. Commercial auto is required.

What is hired and non-owned auto coverage?

Hired auto covers vehicles you rent for business. Non-owned auto covers employees using their personal vehicles for company business. Both fill important gaps.

Can I insure a mixed fleet of trucks and cars?

Yes. We can write a single commercial auto policy covering multiple vehicle types — cars, vans, trucks, and specialty vehicles.

How does commercial auto pricing work?

Premiums are based on vehicle type, use, driver records, annual mileage, and coverage limits. We shop multiple carriers to find the best rate for your fleet profile.

Ready to get covered?

Our licensed advisors will find you the right coverage across our carrier partners. No obligation, no pressure. We speak English and Spanish.

Get a free quote (305) 791-4872

Other coverage lines

Homeowners Insurance Automobile Insurance Travel Insurance Excess / Umbrella Insurance Workers' Compensation Professional Liability Insurance Builder's Risk Insurance Surety & Performance Bonds