Commercial Auto Insurance in Florida | Fleet & Business Vehicle Coverage

Commercial Auto Insurance in Florida

Whether you own one company vehicle or an entire fleet, your business depends on safe, reliable transportation. From service trucks and delivery vans to construction vehicles and sales cars, accidents can happen anytime — and the costs can be devastating without the right coverage.

At Barefoot Insurance Brokers, we specialize in Commercial Auto Insurance for Florida businesses of all sizes. We help you protect your vehicles, your drivers, and your business reputation with policies customized for your industry and operations.

Why Businesses Need Commercial Auto Insurance

Florida law requires every vehicle used for business purposes to carry commercial auto insurance — but more importantly, it protects your company’s financial stability.

Even a minor accident involving a company vehicle can lead to property damage, bodily injury claims, and legal costs. Commercial Auto Insurance ensures your business doesn’t bear those expenses alone.

It’s essential coverage for:

  • Contractors and tradesmen (electricians, plumbers, landscapers)
  • Delivery and courier services
  • Fleet operators and logistics companies
  • Real estate and service professionals
  • Construction companies
  • Food trucks and mobile vendors
  • Nonprofits and small business owners

If your vehicles are titled to your business, used for deliveries, or carry tools and equipment to job sites, you need a commercial policy — not personal auto insurance.

What Does Commercial Auto Insurance Cover?

A comprehensive commercial auto policy through Barefoot Insurance Brokers can include:

Liability Coverage

Pays for bodily injury and property damage you cause to others in an at-fault accident. This is the foundation of every commercial policy and meets Florida’s legal requirements.

Physical Damage Coverage

Covers your own vehicles for collision, fire, theft, vandalism, or storm damage. You can choose between comprehensive, collision, or both, depending on the vehicle’s age and value.

Medical Payments & Personal Injury Protection (PIP)

Pays for medical expenses for you and your passengers regardless of fault — a key feature in Florida’s no-fault insurance system.

Uninsured/Underinsured Motorist (UM/UIM)

Protects your drivers if they’re injured by someone without sufficient insurance.

Hired & Non-Owned Auto Coverage (HNOA)

Extends liability protection to employees who drive their personal cars or rented vehicles for business purposes.

Towing & Roadside Assistance

Provides emergency towing, fuel delivery, or lockout service to keep your vehicles moving.

Rental Reimbursement

Covers the cost of a temporary replacement vehicle while yours is being repaired after a covered loss.

Cargo & Equipment Coverage

Optional add-ons can protect tools, merchandise, or materials transported in your vehicles.

Barefoot Insurance Brokers can help you build a package that fits your operation — from small-business vans to full-scale commercial trucking fleets.

Fleets and Single-Unit Risks

We insure both single-unit risks and multi-vehicle fleets across Florida.

Single-Unit Policies

Perfect for self-employed contractors, small business owners, or sales representatives who use a single vehicle for work. These policies can often be bundled with general liability or business owner’s policies (BOPs) for savings.

Fleet Programs

For businesses operating multiple vehicles, we provide flexible fleet coverage that allows all units under one policy. Fleet programs can simplify renewals, streamline billing, and include additional benefits like:

  • Blanket driver coverage
  • Custom limits per vehicle type
  • Centralized claims management
  • Discounts for GPS tracking and safety programs

We work with carriers that accommodate everything from light-duty vans to heavy trucks — including specialized vehicles used in construction, towing, and transport.

Meeting Florida’s Legal Requirements

Florida commercial auto policies must meet the state’s minimum liability requirements, which vary depending on vehicle type and use.

Common requirements include:

  • $10,000 PIP (Personal Injury Protection)
  • $10,000 Property Damage Liability (PDL) for standard business autos
  • Higher limits (e.g., $300,000–$1,000,000 CSL) for fleets, trucks, and vehicles crossing state lines

We’ll make sure your policy meets both state laws and contract requirements with shippers, municipalities, or clients.

If your vehicles operate outside Florida, we’ll extend coverage and file the necessary federal motor carrier forms (MCS-90, BMC-91X) for interstate compliance.

Industries We Serve

Barefoot Insurance Brokers provides commercial auto coverage for nearly every business sector in Florida, including:

  • Contractors and construction firms
  • HVAC, plumbing, and electrical companies
  • Lawn care and landscaping businesses
  • Marine and dock service providers
  • Delivery, courier, and transportation companies
  • Restaurants, caterers, and food trucks
  • Real estate and sales professionals
  • Nonprofits and local service providers

Each industry has unique exposures — and our agents understand how to structure your policy to keep you protected on the road and compliant with your contracts.

Florida’s Weather and Liability Challenges

Driving conditions in Florida bring unique risks:

  • Heavy rain, flooding, and lightning during summer storms
  • Congested highways and distracted drivers
  • Hurricane-related debris and road closures
  • High rates of uninsured motorists

Commercial Auto Insurance helps your business manage these risks and recover quickly after a loss — keeping vehicles on the road and operations uninterrupted.

How to Save on Commercial Auto Insurance

Our agents can help you find cost-saving opportunities, such as:

  • Multi-vehicle and fleet discounts
  • Bundling with general liability, property, or workers’ comp
  • Telematics and driver safety program credits
  • Higher deductible options for lower premiums
  • Pay-as-you-drive mileage-based plans

Barefoot Insurance Brokers compares rates across multiple carriers — including Progressive, GEICO, and specialty commercial markets — to ensure you get the best value.

Why Choose Barefoot Insurance Brokers

With over a decade of experience insuring Florida’s businesses, Barefoot Insurance Brokers provides personalized service, local expertise, and competitive coverage for companies large and small.

We offer:

  • Access to multiple national and regional carriers
  • Certificates of insurance issued same day
  • Compliance with DOT, FMCSA, and contract requirements
  • Local agents who understand Florida’s roads and regulations
  • Guidance on bundling auto with BOP, general liability, or umbrella coverage

Whether you’re a single operator or manage a statewide fleet, we’ll help protect your people, property, and profits.

Get a Commercial Auto Insurance Quote Today

Keep your business moving with commercial auto insurance built for Florida’s roads and weather.

📞 Call Barefoot Insurance Brokers at 954-368-0060 for your commercial auto insurance quote today, or email one of our licensed Florida agents:

Barefoot Insurance Brokers — driving Florida businesses forward with confidence.