Commercial Auto Insurance in Florida

If a vehicle is owned by your business, registered to your business, or used regularly for business purposes — yes. Florida’s no-fault law classifies a pickup or van used primarily for occupational or business purposes as a “commercial motor vehicle,” not a private passenger vehicle (F.S. 627.732). Personal auto policies commonly exclude or limit business use, and a business-use claim on a personal policy can be denied. Whether a specific vehicle or use requires a commercial policy is a determination for you and your agent.

It depends on the policy, but personal auto policies commonly exclude regular business use — hauling tools to job sites, making deliveries, or driving to customer locations on a regular basis. A claim filed on a personal policy for a business-use accident can be denied. The statute backing this up: Florida law classifies a business-use van or pickup as a “commercial motor vehicle” — not a private passenger vehicle — under the no-fault law (F.S. 627.732). The safe call is to have your agent review how the vehicle is used and what the policy says.

Every vehicle registered in Florida must carry $10,000 PIP + $10,000 PDL (FLHSMV; F.S. 324.021). Bodily Injury Liability is not required for standard vehicles at registration. Heavier commercial trucks carry additional combined-single-limit requirements: $50,000 per occurrence (GVW 26,000–<35,000 lbs), $100,000 (35,000–<44,000 lbs), or $300,000 (44,000+ lbs) — all “in addition to any other insurance requirements” (F.S. 627.7415). For-hire passenger vehicles (taxis, limos, jitneys) carry $125,000/$250,000/$50,000 (F.S. 324.032). Contracts and clients routinely require $1M Combined Single Limit and an additional-insured endorsement regardless of the state floor.

For the insurance weight-tier requirement (F.S. 627.7415), Florida uses the definition in F.S. 320.01: a non-government vehicle using motor or special fuel on public highways with a gross vehicle weight of 26,001 lbs or more, three or more axles regardless of weight, or used in combination when the combination exceeds 26,001 lbs. A separate definition in F.S. 316.003(14) — GVWR 10,000 lbs+, designed for 15+ passengers, or carrying hazardous materials — applies to CDL and traffic safety rules, not the insurance requirement. Whether a specific vehicle meets either definition is a question for FLHSMV and your agent.

Yes. Florida’s no-fault law defines “motor vehicle” to expressly include commercial motor vehicles — any motor vehicle that is not a private passenger vehicle (F.S. 627.732). A business van, pickup, or box truck that meets the definition carries the $10,000 PIP no-fault coverage just as a personal vehicle does.

No. As of July 2026, Florida’s no-fault PIP law is still in effect. The bill that would have repealed it — SB 522 (2026) — died in the Florida Senate on March 13, 2026. It never passed either chamber and was never signed into law. The current registration floor is still $10,000 PIP + $10,000 Property Damage Liability. Some online sources and even some AI tools have incorrectly reported SB 522 as having passed — it did not. We will update this page if the law changes.

Hired auto covers vehicles your business rents or borrows for work. Non-owned auto covers employees driving their own personal vehicles on company business — making a delivery, running an errand, driving a client somewhere. The business can be liable for an at-fault accident in that scenario even though it doesn’t own the vehicle. HNOA is a common addition to a commercial auto policy; it can also sometimes be added to a general liability policy. Coverage depends on the specific policy language.

Possibly. If an employee is involved in an at-fault accident while driving their own car on company business, the business can face liability — even though it doesn’t own the vehicle. That’s what non-owned auto (HNOA) coverage is designed for. Whether your business has this exposure and what coverage makes sense is a question worth discussing with your agent.

No. The commercial auto policy covers the vehicle itself and the liability it creates. The goods or cargo you’re hauling require motor truck cargo or inland marine coverage. Tools and equipment carried in the truck — but not permanently attached — need inland marine or contractor’s equipment coverage. These are separate lines. We cover those too; ask about a commercial package when you call.

Yes — flood damage to a vehicle is covered under Comprehensive (also called Other Than Collision). This is different from your commercial property insurance, which excludes flood and requires a separate flood policy. If your business building or inventory floods, that’s a Wright Flood matter — not auto. If your work truck floods, that’s Comprehensive on your commercial auto policy. Two different coverages; two different conversations.

Yes. That’s how we work. Call (561) 586-4955 during business hours — Mon–Fri 9am–6pm or Saturday 10am–4pm — and Roberto will take it from there. We shop multiple carriers and can typically give you a clear picture quickly. No forms to fill out online, no holding for a call center. A real conversation with a licensed agent who knows the market.