Florida commercial auto
on the road.

What Florida commercial auto insurance covers

Personal auto policies do not cover vehicles used for business purposes. If you’re using a vehicle for work — even occasionally — you need a commercial auto policy.

• Liability Coverage — Pays for bodily injury and property damage you cause to others while operating a covered business vehicle. Florida-specific minimums apply, but most commercial operators carry significantly higher limits.
• Physical Damage (Collision and Comprehensive) — Pays to repair or replace your business vehicles after accidents, theft, vandalism, hail, or other covered losses.
• Hired and Non-Owned Auto (HNOA) — Covers business use of vehicles you don’t own — rental vehicles for business trips, employees driving their own cars for work, etc. Critical and often missed.
• Medical Payments / PIP — Florida no-fault rules apply to commercial vehicles. PIP covers your driver’s medical expenses regardless of fault.
• Uninsured / Underinsured Motorist — Important in Florida given the state’s high uninsured driver rate.
• Cargo Coverage — For businesses transporting goods. Required for most for-hire trucking operations.
• Trailer Interchange and Non-Trucking Liability — Specialized coverages for trucking and freight operations.

Florida commercial auto: what’s different

One of the most expensive markets in the U.S.

The same factors driving up personal auto rates in Florida — uninsured drivers, accident frequency, litigation costs — hit commercial auto even harder. Independent agency shopping makes a significant difference here.

USDOT and FMCSA compliance

If you operate vehicles over 10,000 lbs in interstate commerce, you have federal compliance and filing requirements (MCS-90, BOC-3, UCR). We help Florida operators stay compliant.

Contractor coverage often misses Hired/Non-Owned Auto

If your employees ever drive their own vehicle for a work errand — supply runs, client visits, deliveries — you have HNOA exposure. It’s one of the most commonly missed coverages on contractor policies.

For-hire and rideshare operations need specific policies

Personal auto policies exclude for-hire use. Rideshare drivers need rideshare-specific coverage. Delivery drivers, couriers, and dispatch operators need commercial.

Why Florida operators choose American Atlas