Commercial Auto Insurance Florida

Your Florida business deserves protection from a partner who understands local roads, risks, and regulations.
• Deep understanding of Florida's unique traffic patterns and risks
• Expert knowledge of state-specific auto insurance laws and requirements
• Customized coverage for Florida's diverse climate-related vehicle risks
We go beyond basic commercial auto coverage with premium risk management services. Our enhanced options include GPS tracking discounts, driver safety programs, and specialized endorsements for Florida's unique vehicle types. This proactive approach helps prevent accidents while ensuring complete protection.
• Construction Companies: Protect your work trucks, equipment haulers, and specialized vehicles against job site accidents and theft in Florida's booming construction market.
• Delivery Services: Safeguard your delivery fleet against the risks of constant road exposure in Florida's bustling urban centers and sprawling suburbs.
• Tourism and Hospitality: Secure your shuttle buses, rental cars, and tour vehicles against the unique risks of transporting visitors across Florida's diverse landscapes.
• Agricultural Businesses: Shield your farm vehicles and produce transport trucks from the specific hazards of rural Florida roads and severe weather events.

Let our local experts analyze your current coverage and identify potential gaps or savings for your business.
Comprehensive protection for Florida commercial vehicles, addressing regional risks and regulatory requirements.

Commercial auto insurance in Florida costs an average of $1,800 annually per vehicle. However, your specific premium depends on several factors:
A history of claims can increase premiums. Our risk management services help minimize incidents on Florida roads.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
Commercial auto insurance in Florida typically covers liability for bodily injury and property damage, collision, comprehensive, and personal injury protection (PIP). It's tailored for business vehicles operating in Florida's diverse environments, from bustling Miami streets to rural Panhandle roads. Coverage often includes protection against uninsured motorists, a significant concern in Florida, which has one of the highest rates of uninsured drivers in the nation.
Yes, Florida law requires all businesses operating commercial vehicles to carry minimum liability coverage. As of 2023, the state mandates at least $10,000 in PIP and $10,000 in property damage liability. However, businesses involved in interstate commerce must meet federal requirements, which are typically higher. Florida's unique no-fault insurance system also applies to commercial vehicles, making PIP coverage crucial for prompt medical payments regardless of fault.
Florida's commercial auto insurance rates are generally higher than the national average, ranking among the top 10 most expensive states. This is due to several factors unique to Florida, including high traffic density in urban areas, frequent severe weather events like hurricanes, and a high rate of uninsured motorists. For instance, in 2023, average commercial auto premiums in Florida are approximately 20% higher than the national median.
Absolutely. Florida's diverse business landscape allows for highly specialized commercial auto coverage. For example, businesses operating in coastal areas can obtain additional flood and hurricane protection. Companies in the tourism industry can get coverage for rental vehicles. Specialized policies are also available for food trucks, common in Florida's urban areas, covering both the vehicle and onboard equipment. Some insurers offer GPS tracking discounts for fleets, which is particularly useful in Florida's congested cities.
Florida's no-fault system applies to commercial vehicles as well as personal ones. This means that in the event of an accident, each party's insurance covers their own medical expenses and lost wages, regardless of who caused the accident. For businesses, this can streamline the claims process for minor accidents. However, Florida law allows parties to step outside the no-fault system for serious injuries, potentially leading to lawsuits. This unique system makes having comprehensive commercial auto coverage in Florida particularly important.
Several factors impact commercial auto insurance costs in Florida. These include the type and number of vehicles in your fleet, their primary use and radius of operation (e.g., local delivery in Tampa vs. long-haul trucking), driver history and experience, and the specific nature of your business. Florida's geographic diversity also plays a role; businesses operating in hurricane-prone areas or high-traffic cities like Orlando or Miami may face higher premiums. Additionally, Florida's high rate of auto accidents and insurance fraud can drive up costs across the board.
Start Your Coverage Today
Request a Free Quote
For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.