A Florida commercial auto insurance policy should be considered carefully. There is a high percentage of uninsured drivers in Florida, so it’s important to make sure you and your business are properly protected.

Commercial cars


Registering your Florida commercial auto requires a minimum amount of insurance coverage. To ensure your business is properly protected you should carefully consider the Florida commercial auto insurance you carry. Be sure to discuss all of the coverage available on a Florida commercial auto insurance policy with your insurance agent.
Florida commercial auto insurance minimum requirements:

  • Florida is a no fault state and requires you to carry Personal injury protection (PIP) of $10,000.
  • Property damage liability insurance of at least $10,000.

Regardless of who is at fault for an accident, we are all responsible for paying the first $10,000 of our own medical bills before we can go after the at fault party. PIP pays for this in our Florida commercial auto insurance policy:

  • Medical bills. PIP pays 80%.
  • Lost wages. PIP pays 60%.
  • Also pays a death benefit up to $5,000.
  • The maximum limit payable under PIP on your Florida commercial auto insurance policy is $10,000.

Property Damage Liability pays for damage you cause with your Florida commercial auto.

  • Pays for damage to another auto or other property.

Bodily Injury Liability

  • This portion of your Florida commercial auto insurance policy will pay for injuries you cause to others. Bodily injury also pays legal expenses to defend your business in the event of a lawsuit due to these injuries.
  • This coverage is recommended on your Florida commercial auto insurance policy. The limit is typically high, as a business can be an easy target for a lawsuit.
  • If you do not carry bodily injury on your commercial auto insurance in Florida you should seriously consider adding it to the policy. Under the Florida responsibility law you are responsible for paying for the injuries you cause to the other party. You may be responsible for paying those costs out of pocket.


  • Medical payments. This pays for any injuries that relate to your Florida commercial auto with no deductibles or copayments.
  • Uninsured motorist. There are a lot of drivers in Florida that do not carry insurance. The uninsured motorist portion of your Florida commercial auto insurance pays for medical expenses for people in your commercial auto in Florida if you are hit by someone who does not carry insurance or if they do not have enough insurance to pay for your medical expenses and lost wages. You cannot carry uninsured motorist limits that are higher than your bodily injury liability limit.
  • Comprehensive/Other Than Collision. Covers damage to the Florida commercial auto caused outside of an accident. This includes theft, vandalism, and glass damage. Keep in mind that in Florida your commercial auto does not carry a deductible for damage to the front windshield.
  • Collision. If your commercial auto is damaged in an accident, collision pays to repair or replace the auto.
  • Car rental. If your Florida commercial auto needs to be repaired in a comprehensive or collision claim this would pay for a rental auto while repairs are being made.
  • Towing and labor. Pays for towing, breakdown assistance, or locksmith coverage under your Florida commercial auto insurance.
  • Gap coverage. Florida commercial auto insurance claims are paid on a depreciated actual cash value basis. If you owe more than what your auto is worth, gap coverage will pay the difference.
  • Hired Auto Insurance. A Florida commercial auto insurance policy provides liability protection when you are driving an auto that you, or your business, do not own or that is not registered to you. If you rent a auto for a less than 30 days, Hired Auto insurance will protect the rented vehicle.
  • Non Owned Auto. Your Florida commercial auto insurance provides liability protection when an employee occasionally has to drive his or her personally owned vehicle for business purposes. This assumes that the auto is not owned, registered or contracted in your name or on your behalf.


  • A lot of insurance companies offer Florida commercial auto insurance. Let us shop for the best rates. We represent the top Florida commercial auto insurance companies and can provide you with comparison quotes. GET A QUOTE NOW!
  • Deductible. Higher deductibles mean lower insurance premiums. Get quotes with different deductibles and see how they affect the premium of your Florida commercial auto insurance policy.
  • Good driving history. The better your driving history in the last 3-5 years, the better your Florida commercial auto insurance rate will be.
  • Age of Auto. If your commercial auto is older, it may not be necessary to carry comprehensive or collision.
  • Safety Features. Commercial auto insurance companies in Florida will offer discounts for airbags, anti-lock brakes, and alarms.
  • Auto Type. Florida commercial auto insurance premiums are also based on the value of the auto. If your commercial auto is expensive to repair, you will likely pay costlier premiums.
  • Territory. If your commercial auto is garaged and used in a more populated Florida city, your likely to pay a higher premium than a rural area.
  • Usage. How you use your Florida commercial auto will have an impact on your premium. More usage will account for higher premium.
  • Gender. Male drivers typically pay more.
  • Age. Drivers under 25 and over 65 pay higher premiums for their Florida commercial auto insurance policy.
  • Credit history. Companies use your credit as an underwriting factor for your Florida commercial auto insurance premium.