Affordable Commercial Auto Insurance Florida
Protect Your Business Vehicles and Employees in Florida
Whether you’re managing deliveries in Miami, running a contracting business in Orlando, or transporting goods across Tampa Bay, commercial vehicles are the engine that keeps your business moving. At Blake Insurance Group, we offer affordable commercial auto insurance in Florida that protects your vehicles, your employees, and your business from costly accidents, lawsuits, and losses on the road.
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As an insurance agent at Blake Insurance Group, I understand how crucial your business vehicles are to your daily operations. Whether you operate a single work van or manage a fleet, having affordable commercial auto insurance in Florida is essential for protecting your business, your employees, and your financial future.
Protect Your Business Vehicles and Employees in Florida
Commercial auto insurance safeguards your company vehicles and the people who drive them. In Florida, this coverage protects you from the high costs of accidents, property damage, medical expenses, and legal claims that can arise from work-related driving incidents. Without adequate coverage, your business could face severe financial and legal jeopardy, including lawsuits, repair costs, and penalties for failing to meet state insurance requirements.
Why Small Businesses in Florida Need Commercial Auto Insurance
Florida is home to millions of small businesses, many of which rely on vehicles for deliveries, client visits, or transporting equipment. State law requires all vehicles used for business to carry commercial auto insurance. Personal auto policies do not cover work-related driving, so a commercial policy is essential to remain compliant and fully protected. Even a minor accident can disrupt your business and lead to significant out-of-pocket expenses if you’re uninsured or underinsured.
Coverage Options for Business Auto Insurance in Florida
Commercial auto insurance in Florida can be tailored to your specific needs. Standard coverage options include:
Bodily injury and property damage liability (required by law)
Personal injury protection (PIP)
Collision and comprehensive coverage
Medical payments
Uninsured/underinsured motorist coverage
Hired and non-owned auto insurance (for vehicles you rent, lease, or employees’ personal vehicles used for business)
Roadside assistance and rental reimbursement
Florida’s minimum liability requirements are $10,000 per person, $20,000 per accident for bodily injury, and $10,000 for property damage (10/20/10), plus $10,000 in PIP. However, higher limits are often recommended for better protection.
Who Needs Commercial Vehicle Insurance in Florida?
If you use a vehicle for anything beyond commuting—such as transporting equipment, delivering products, or visiting clients—you likely need a commercial auto policy. This includes:
General contractors, electricians, and plumbers
Delivery and courier drivers
Rideshare or gig drivers using company-owned vehicles
Food trucks and catering services
Landscapers, pool maintenance, and pest control companies
Any business that leases, owns, or uses a vehicle for work-related tasks
Even if you use a personal vehicle for business purposes, your personal auto insurance may deny a claim. Commercial coverage closes that gap.
Industries We Insure: Contractors, Delivery, Trucking, and More
We proudly serve a wide range of industries throughout Florida, offering specialized commercial auto coverage for:
Construction and trade professionals
Medical transport and home healthcare
Food delivery and catering trucks
Real estate and property managers
Logistics, freight, and local trucking
Janitorial and cleaning services
Landscaping and lawn care companies
Small fleet owners and mobile businesses
Blake Insurance Group understands your industry and tailors your policy to protect what matters most.
Fleet Insurance Solutions for Small and Mid-Sized Businesses in Florida
Managing more than one company vehicle? We offer cost-effective fleet insurance for small and mid-sized businesses. Fleet coverage simplifies policy management and often reduces your total premium.
Fleet benefits include:
One policy for all company vehicles
Simplified billing and renewals
Per-vehicle or blanket coverage
Driver flexibility and safety discounts
Streamlined claims and account service
Whether you manage 3 or 300 vehicles, we’ll help keep your fleet safe, compliant, and ready to roll.
Why Choose Blake Insurance Group for Your Commercial Auto Insurance Needs
Blake Insurance Group is an independent agency, which means we work for you—not the carriers. We compare quotes from multiple top-rated insurers in Florida to find you the best price for the right coverage.
What sets us apart:
✅ Florida-based expertise and compliance knowledge
✅ Licensed agents offering personalized service
✅ Access to multiple insurers for competitive rates
✅ Same-day coverage options and fast quoting
✅ Proactive claims support when you need it most
From Pensacola to Key West, we’re your trusted partner for commercial vehicle protection.
Get a Fast, Free Quote for Commercial Auto Insurance in Florida
Don’t leave your business exposed to risk. Get the right protection at the right price with Blake Insurance Group. We’ll walk you through your options and deliver a free, no-obligation quote in minutes.
[Request Your Free Commercial Auto Insurance Quote ➔]
Our Service Areas for Business Auto Insurance Near You
We proudly serve businesses across the state of Florida, including:
Miami
Tampa
Orlando
Jacksonville
Fort Lauderdale
St. Petersburg
West Palm Beach
Tallahassee
Gainesville
Naples
Sarasota
And surrounding cities and counties
No matter where you operate in Florida, we’re here to protect your vehicles and your business on every mile of the journey.
FAQs: Affordable Commercial Auto Insurance Florida
What are the minimum commercial auto insurance requirements in Florida?
Florida law requires businesses to carry at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL) for each business vehicle. These are the state minimums, but higher coverage limits are often recommended to provide better protection for your business assets.
Who is covered under a commercial auto policy?
A commercial auto policy typically covers the business owner and any employees who drive company-owned vehicles for business purposes. Coverage is generally permission-based, so only those with explicit permission are protected. Family members are not covered unless they are employees or have the insured’s permission.
Does commercial auto insurance cover personal use?
Commercial auto insurance is designed primarily for business-related activities. Limited personal use may be covered, but this depends on your specific policy and insurer. For employees using their personal vehicles for work, hired and non-owned auto coverage may be necessary, though it does not cover damage to the employee’s own vehicle.
What does commercial auto insurance cover in Florida?
Standard coverages include:
- Bodily injury liability (recommended, though not required by law)
- Property damage liability (required)
- Personal injury protection (required)
- Collision and comprehensive coverage (optional, but important)
- Uninsured/underinsured motorist coverage (optional, but valuable in Florida)
How much does commercial auto insurance cost in Florida?
The average cost is around $266 per month, but many small businesses may pay less than $100 monthly. Rates depend on factors such as vehicle type, number of vehicles, business use, driving history, and coverage limits.
Why is commercial auto insurance more expensive in Florida?
Premiums are higher in Florida due to a high claims rate, dense traffic, frequent hurricanes, and a significant number of uninsured drivers. These factors increase risk for insurers and drive up costs for policyholders.
Why do small businesses need commercial auto insurance in Florida?
It’s legally required for any business that owns, rents, or leases vehicles for work. Commercial auto insurance protects your business from costly claims, medical bills, and property damage, ensuring business continuity after an accident.
What happens if I don’t have commercial auto insurance in Florida?
Operating without required coverage can result in fines, suspension of your driver’s license, and vehicle registration. Your business would also be responsible for all costs resulting from an accident, which could be financially devastating.
Can I increase my coverage beyond the state minimum?
Yes, and it’s often recommended. Higher coverage limits and additional protections like collision, comprehensive, and uninsured motorist coverage can provide more robust financial security for your business.
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Blake Insurance Group
Phone: (888) 387-3687
Email: [email protected]
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed
Blake Nwosu
Owner & Principal Agent