561-448-0812
FLORIDA COMMERCIAL AUTO INSURANCE
Insurance for Vehicles That Work as Hard as Your Business Does.
Company cars, contractor trucks, service vehicles and fleets create different exposures from everyday personal driving. Build coverage around how the vehicles are actually used.
Palm Beach Gardens - Serving South Florida Since 2007
FLORIDA COMMERCIAL AUTO INSURANCE
Company cars, contractor trucks, service vehicles and fleets create different exposures from everyday personal driving. Build coverage around how the vehicles are actually used.
Palm Beach Gardens - Serving South Florida Since 2007
WHO NEEDS IT
When Driving Becomes Part of the Business
The business owns the vehicle.
Employees regularly drive for work.
Vehicles carry tools, equipment or products.
Commercial auto should be reviewed when:
You deliver goods or provide mobile services.
Employees transport customers or clients.
The company operates several vehicles or a fleet.
WHO NEEDS IT
When Driving Becomes Part of the Business
Commercial auto should be reviewed when:
The business owns the vehicle.
Employees regularly drive for work.
Vehicles carry tools, equipment or products.
You deliver goods or provide mobile services.
Employees transport customers or clients.
The company operates several vehicles or a fleet.
COVERAGE
Protect the Vehicle—and the Liability Around It.
Liability
Protection for eligible bodily injury or property-damage liability arising from covered vehicle use.
Collision
Coverage for eligible damage to an insured vehicle resulting from a collision.
Comprehensive
Coverage for certain non-collision losses such as theft or other covered causes.
Hired & Non-Owned Auto
Coverage may be available for certain vehicles rented, hired or used for the business but not owned by the company.
Uninsured / Underinsured Motorist
Available options may provide protection when an at-fault driver lacks sufficient insurance, subject to policy selection and state requirements.
Additional Vehicle Exposures
Trailers, specialized equipment and other vehicle-related exposures should be discussed separately when applicable.
COVERAGE
Protect the Vehicle—and the Liability Around It.
Liability
Protection for eligible bodily injury or property-damage liability arising from covered vehicle use.
Collision
Coverage for eligible damage to an insured vehicle resulting from a collision.
Comprehensive
Coverage for certain non-collision losses such as theft or other covered causes.
Hired & Non-Owned Auto
Coverage may be available for certain vehicles rented, hired or used for the business but not owned by the company.
Uninsured / Underinsured Motorist
Available options may provide protection when an at-fault driver lacks sufficient insurance, subject to policy selection and state requirements.
Additional Vehicle Exposures
Trailers, specialized equipment and other vehicle-related exposures should be discussed separately when applicable.
FLORIDA REQUIREMENTS
Commercial Vehicle Requirements Can
Change With the Vehicle and the Operation.
Required insurance levels can depend on factors including vehicle weight,
vehicle use and whether federal motor-carrier requirements apply.
Florida Highway Safety and Motor Vehicles publishes different minimum liability
requirements for certain commercial motor vehicles based on gross vehicle weight
and federal regulation.
FLORIDA REQUIREMENTS
Commercial Vehicle Requirements Can
Change With the Vehicle and the Operation.
Required insurance levels can depend on factors including vehicle weight,
vehicle use and whether federal motor-carrier requirements apply.
Florida Highway Safety and Motor Vehicles publishes different minimum liability
requirements for certain commercial motor vehicles based on gross vehicle weight
and federal regulation.
FLORIDA REQUIREMENTS
A Better Quote Starts With Better Information.
Prepare:
Vehicle year, make and model
Vehicle ownership
How each vehicle is used
Regular drivers
Where vehicles are garaged
Typical operating radius
Estimated mileage
Any trailers or special equipment
Current coverage
FLORIDA REQUIREMENTS
A Better Quote Starts With Better Information.
Prepare:
Vehicle year, make and model
Vehicle ownership
How each vehicle is used
Regular drivers
Where vehicles are garaged
Typical operating radius
Estimated mileage
Any trailers or special equipment
Current coverage
FAQ
Florida Commercial Auto Insurance Questions
What is the difference between personal and commercial auto insurance?
Commercial coverage is structured around business vehicle use and business-related liability exposures.
Do contractors need commercial auto insurance?
Contractors who use vehicles in business operations should review whether their current policy appropriately covers that use.
Can employees drive company vehicles?
Yes, but drivers should be properly disclosed and evaluated according to insurer requirements.
Can one policy cover multiple business vehicles?
Commercial policies can often insure multiple eligible vehicles under one business program, depending on the insurer and operation.
How much liability coverage does a commercial vehicle need?
The answer depends on the vehicle, operation, contracts and applicable state or federal requirements.
FAQ
Florida Commercial Auto Insurance Questions
What is the difference between personal and commercial auto insurance?
Commercial coverage is structured around business vehicle use and business-related liability exposures.
Do contractors need commercial auto insurance?
Contractors who use vehicles in business operations should review whether their current policy appropriately covers that use.
Can employees drive company vehicles?
Yes, but drivers should be properly disclosed and evaluated according to insurer requirements.
Can one policy cover multiple business vehicles?
Commercial policies can often insure multiple eligible vehicles under one business program, depending on the insurer and operation.
How much liability coverage does a commercial vehicle need?
The answer depends on the vehicle, operation, contracts and applicable state or federal requirements.
GREGG'S GOT YOU COVERED
Your Vehicles Move the Business.
Protect Them Like Business Assets.
Tell us what you drive, who drives it and how the vehicles are used.
GREGG'S GOT YOU COVERED
Your Vehicles Move the Business. Protect Them Like Business Assets.
Tell us what you drive, who drives it and how the vehicles are used.
Personal insurance guidance for individuals, families and business owners.
Email: [email protected]
Phone: 561 448 0812
Address: 4290 PROFESSIONAL CENTER DR SUITE 101, PALM BEACH GARDENS, FL 33410
© 2026 Gregg’s Got You Covered. All rights reserved. Coverage subject to policy terms, underwriting, and availability.