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Florida Commercial Auto Insurance Made Easy

For any business owner whose operations rely on vehicles, commercial auto insurance is essential. Florida commercial auto insurance protects business-owned vehicles from liability, damage, theft, and more. Terra Insurance makes getting coverage fast and affordable. We’ll find the best rate, whether you’re a solo contractor or manage a fleet. 

We are an independent agency licensed in Florida, Pennsylvania, and New Jersey. We’re also a trusted GEICO Commercial Auto partner, which means we can leverage extensive resources to serve you. 

Finally, we have a dedicated, multilingual team that knows how to provide quick, local quotes. We personalize our service every step of the way for your peace of mind.

Call (215) 742-3743
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What Does Commercial Auto Insurance Cover in Florida?

Commercial auto coverage in Florida protects your business by covering the vehicles you use for work. Coverage options vary by business, but most Florida policies include:

  • Bodily Injury & Property Damage Liability Coverage: This pays if your commercial vehicle is involved in an accident. It also covers injuries to others or damage to their property.
  • Collision & Comprehensive Coverage: Collision coverage pays for repairs to your vehicle after an accident. By contrast, comprehensive coverage addresses non-collision events like theft, vandalism, or natural disasters.
  • Tools & Equipment Inside the Vehicle: This coverage protects the valuable tools and equipment you store in a business vehicle. It also covers loss or damage.
  • Hired & Non-Owned Vehicle Coverage: This coverage extends liability protection to vehicles that your business rents. It also covers vehicles your employees use for business purposes.

Roadside Assistance & Rental Reimbursement: Get help when you need it with roadside assistance for breakdowns. Rental reimbursement then pays for a temporary vehicle, ensuring your business keeps moving.

See How Much You Could Save

Do I Need Commercial Auto Insurance in Florida?

Many businesses require commercial auto insurance in Florida, which ensures protection and compliance. Business vehicle insurance in FL is crucial for:

  • General Contractors: Your work vehicles carry important tools and materials to every job site. Protecting them is critical.
  • Delivery Drivers (Uber, Amazon, DoorDash): Personal auto insurance policies do not cover commercial deliveries. You need specific coverage for this type of work.
  • Electricians, Plumbers, & HVAC Techs: Your service vans are mobile workshops, holding valuable equipment. Protect your assets with the right insurance protection.
  • Realtors and mobile professionals: Your vehicle is an important tool for meeting clients. Make sure you have commercial vehicle insurance for complete protection.
  • Landscapers & Lawn Care Services: Your trucks and trailers haul heavy equipment and supplies. Commercial coverage protects these types of vehicles.
  • Businesses with One or More Branded Vehicles: Any vehicle displaying your company name needs commercial coverage, including small fleets.

We work with business owners across Miami, Tampa, Orlando, Fort Lauderdale, and beyond. Whether you’re a contractor in Central Florida or a delivery driver in South Florida, let us help. We provide fast, affordable commercial auto quotes tailored to your needs.

Terra Insurance proudly serves small business communities across the state. Discover how we can help your business thrive.

Bundle & Save on Business Coverage
Florida contractor standing next to branded work van

How Much Does Commercial Auto Insurance Cost in Florida?

Most Florida small businesses pay between $1,000 and $2,500 per year for commercial auto insurance. Rates can vary based on several factors, including:

  • The type of vehicle(s) you use
  • Your business location and service area
  • Number and driving history of employees
  • Type of work being performed (e.g., delivery, contracting)
  • Coverage limits and deductibles you choose

At Terra Insurance, we compare quotes from top-rated carriers. We’ll help you find affordable, customized coverage that meets your needs — without overpaying.

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Florida insurance agent helping small business owner review quote

Why Choose Terra Insurance?

Selecting the right insurance partner is crucial to protect your business. An experienced agency can offer more than just a policy; it provides tailored guidance and access to comprehensive options. Here are a few of Terra’s distinct advantages:

  • GEICO Commercial Auto Partner: Access trusted, affordable coverage through our direct quoting partnership with GEICO.
  • Licensed in FL, PA, and NJ: Our team understands the local laws, business requirements, and insurance regulations across all three states. We help you stay compliant while finding the right commercial auto coverage for your operation.
  • Multilingual Team (6+ Languages): Get personalized support in the language you’re most comfortable with — no confusion, just clear communication.
  • Quick, Customized Quotes: Get fast quotes tailored to your business. We provide coverage options that fit your specific needs.

Bundle Options for General Liability, Workers Comp, & More: Save money by bundling with our Business Insurance and Workers Comp options. We offer comprehensive business insurance solutions for businesses of all sizes.

What Our Clients Are Saying

At Terra, we take pride in our clients’ positive feedback. Our Google Reviews reflect our commitment to quality of service and customer care. We encourage you to read our reviews and see why so many Philadelphia drivers trust us with their car insurance needs.

Frequently Asked Questions

Yes — if you use a vehicle for work in Florida, you likely need commercial auto insurance. This includes delivery drivers, contractors, landscapers, and other professionals who rely on their vehicles for business purposes. Personal auto policies don’t cover commercial use, which makes this protection essential.

Yes — GEICO is one of the most trusted commercial auto insurers in Florida. As an official GEICO Commercial Auto Quote Partner, Terra Insurance helps you access competitive rates. We provide fast, accurate quotes tailored to your business.

Florida commercial auto insurance typically covers:

  • Liability for bodily injury and property damage
  • Collision and comprehensive damage to your vehicle
  • Tools and equipment stored inside the vehicle

Optional coverage like roadside assistance and rental reimbursement.
 Coverage can be customized based on your business type and vehicle use.

Talk to a Florida Licensed Agent

Ready to Hit the Road with Confidence?

Whether you’re a contractor, delivery driver, or small business owner, Terra Insurance makes it easy to get crucial protection — fast. Here’s why Florida businesses trust us:

  • Licensed in FL, PA, and NJ
  • GEICO Commercial Auto Partner
  • Multilingual support (6+ languages)
  • Quotes in under 15 minutes
  • Bundle with General Liability, Workers Comp & more

Protect your business vehicle and everything that depends on it.

Get Your Free Commercial Auto Quote

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Coverage will not be bound or changed until confirmed by a licensed agent.

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