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Commercial Auto Insurance in Florida

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Fleet Insurance

Commercial Auto Insurance in Florida

Stay Covered. Stay Confident. Drive Your Business Forward.
Whether you own a single service van or manage a fleet of trucks, your business vehicles need more than just standard coverage. At Edgar Segui Insurance, we provide commercial auto insurance for Florida businesses that rely on the road to succeed, helping you stay protected, compliant, and worry-free.
Your Businessowners Policy (BOP) does not cover vehicle-related incidents. That’s why a separate commercial auto policy is essential to safeguard against accidents, liability claims, and damages that happen during work-related driving.

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Liability coverage
Physical Damage and Collision
Accident with uninsured motorist
Roadside assistance
Auto loan or lease

Liability coverage

Risk Factors

Your commercial auto may meet an accident resulting in damage to someone's property or causing bodily harm to someone. You then become liable for the property's repair or medical costs.

Solution

Bodily injury liability (BIL) covers you when you or one of your employees cause physical injury to another party while using one of your covered vehicles. Property damage liability (PDL) protects you when you or one of your employees causes property damage to another party while using one of your covered vehicles.

Physical Damage and Collision Coverage

Risk Factors

Your commercial auto can be damaged by fire, theft, or vandalism or collide with a fallen tree causing damage to your vehicle.

Solution

Commercial automobile insurance protects against vehicle theft and physical damage, including vandalism, certain weather events, or an impact on another object.

Accident with uninsured motorist coverage

Risk Factors

According to the Insurance Research Council, about one in eight drivers in the United States are uninsured. As a result, when they cause accidents, they might be unable to pay for damages.

Solution

Your policy’s uninsured motorist coverage ensures your business doesn’t have to pay for the resulting medical expenses or vehicle repairs.

Roadside assistance coverage

Risk Factors

Your commercial auto could break down, and you might need roadside assistance immediately.

Solution

Protects you when problems that are not typically handled under your commercial auto policy arise. This could include being locked out of your car, dead batteries, and flat tires.

Auto loan or lease coverage

Risk Factors

Your commercial auto may meet with an accident before your loan repayment. You can then become liable for the loss incurred.

Solution

This covers the difference between the unpaid amount on the loan or lease and the actual cash value of the vehicle if your vehicle is a total loss after an accident.

Do I Need Commercial Auto Insurance?

If your vehicle is used primarily for business — even if you’re a sole proprietor you likely need a commercial policy. This applies to everything from transporting goods and equipment to making deliveries, driving clients, or towing trailers for business use.
You also need commercial auto coverage if your employees use their own vehicles to run errands, visit customers, or perform job duties on your behalf. In such cases, you could be held liable for any accidents they cause while working.

Commercial Auto Insurance is required if your commercial vehicles are used to

  • Transport goods or equipment
  • Drive clients or employees
  • Perform a service that you’re paid for
  • Ride passengers for a fee
  • Transport goods for a fee
  • Haul heavy, work-related loads
  • Tow a trailer used for business
 

What’s the Difference Between Personal and Commercial Auto Insurance?

The line between personal and business vehicle use can often feel blurred, especially for small business owners. But legally and financially, it matters a great deal.
A personal auto insurance policy is designed to cover everyday driving — like commuting or family errands — and generally excludes coverage for work-related use. If you're using your vehicle to visit clients, carry tools, or deliver items, your personal policy may not cover you in the event of an accident.
On the other hand, commercial auto insurance is specifically built to cover business use. It includes higher liability limits, and can cover multiple drivers and vehicle types — from pickups and vans to box trucks and utility trailers. If your business owns the vehicle, or if you rely on it to generate income or deliver services, a commercial policy is the smart (and often legally required) choice.

What Does Commercial Auto Insurance Cover?

With Edgar Segui Insurance, you get more than just a policy — you get peace of mind. Our Florida commercial auto coverage includes:

  • Liability protection for injuries or damages you cause to others

  • Medical payments or PIP (Personal Injury Protection)

  • Collision coverage for damage to your vehicle from accidents

  • Comprehensive coverage for theft, fire, vandalism, and natural disasters

  • Uninsured/underinsured motorist coverage

  • Coverage for employee-driven and rented vehicles

Who Should Consider This Coverage?

This insurance is essential if you:

  • Deliver goods or equipment
  • Provide mobile services (e.g., HVAC, plumbing, landscaping)
  • Have employees driving for business purposes
  • Operate food trucks, ride-share services, or couriers
  • Own a business vehicle registered under your company’s name

Even if you only have one vehicle, commercial coverage ensures you’re financially protected against the risks of doing business on Florida roads.

Already have Commercial Auto Insurance? Switching is easy

It might be time to switch insurers whenever your existing insurer's service doesn't meet your needs. For example, it might be time to consider other options if you have poor claims experience or an unexplained rate increase.

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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