Commercial Auto Insurance Florida

Tailored commercial auto coverage for Florida businesses, protecting your fleet from the Panhandle to the Keys.
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Custom-tailored policies for Florida specific risks

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Why Us?

Why Choose TWFG Commercial in 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

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Local Expertise
Serving Florida businesses since 2001, our local insurance experts understand the Sunshine State's commercial auto landscape inside out. From busy Miami highways to rural Panhandle roads, we deliver customized insurance solutions that fully comply with Florida's regulations while addressing your specific fleet needs.
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Industry Expertise
Our licensed agents specialize in commercial auto coverage for various industries, including construction, delivery services, and tourism. We maintain up-to-date certifications and continuously track emerging risks in Florida's evolving transportation sector, ensuring your policy provides comprehensive protection against industry-specific claims.
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Beyond Basic Coverage

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.

Ideal For

Who needs Commercial Auto Insurance in Florida?

• 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.

In Florida's dynamic business environment, companies relying on vehicles face unique challenges. Our commercial auto insurance provides essential protection against accidents, theft, and liability claims. For instance, construction companies must navigate congested Miami traffic while transporting heavy equipment. Tourism businesses face the challenge of safely shuttling visitors through busy Orlando theme park areas. Agricultural enterprises need protection for vehicles operating in remote rural locations prone to severe weather. Securing comprehensive commercial auto insurance isn't just smart—it's crucial for protecting your Florida business against unexpected road-related incidents. Contact our Florida office today for customized coverage options tailored to your industry and location.
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Get Personalised Advice from Florida Insurance Experts

Let our local experts analyze your current coverage and identify potential gaps or savings for your business.

Commercial Auto Insurance Coverage Details

Comprehensive protection for Florida commercial vehicles, addressing regional risks and regulatory requirements.

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Comprehensive Commercial Auto Coverage Explained

Our Florida commercial auto insurance safeguards your business vehicles against a wide range of risks. Standard coverage includes:
Liability Protection: Covers bodily injury and property damage you cause to others
• Collision Coverage: Pays for damage to your vehicles from accidents
Comprehensive Coverage: Protects against theft, vandalism, and weather-related damage
• Personal Injury Protection (PIP): Covers medical expenses for you and your passengers, as required by Florida law

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Industry-Specific Risks in Florida

Florida businesses face unique auto risks requiring specialized coverage:
• Tourism Industry: Protection against accidents involving rental cars and tour buses
• Construction Sector: Coverage for equipment transport and job site vehicle use
• Agriculture: Protection for farm vehicles operating in remote areas
• Delivery Services: Coverage for frequent stops and urban traffic risks
Our risk management team provides industry-specific training and compliance guidance tailored to Florida's business landscape.

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Florida Commercial Auto Requirements

Florida law mandates specific coverage for commercial vehicles:
• Minimum $10,000 PIP coverage for medical expenses
• $10,000 Property Damage Liability (PDL) coverage
• Additional requirements based on vehicle weight and type
• For-hire passenger transportation vehicles have higher liability limits
Our Florida insurance experts ensure your coverage meets or exceeds all state requirements while providing optimal protection for your business.

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Enhanced Coverage Options for Florida Businesses

Enhance your Florida commercial auto policy with these critical coverages:
• Hired and Non-Owned Auto Coverage: Protects vehicles your business doesn't own but uses for work
• Roadside Assistance: Crucial for Florida's long highways and remote areas
• Gap Insurance: Covers the difference between your vehicle's actual cash value and what you owe
• Rental Reimbursement: Ensures business continuity if your vehicle is being repaired

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Considerations for Local Businesses in Florida

Florida's commercial auto insurance landscape is shaped by unique factors. The state's no-fault insurance system requires all drivers to carry Personal Injury Protection (PIP). In 2022, Florida reported over 400,000 commercial vehicle accidents, with 30% occurring in Miami-Dade and Broward counties. The average commercial auto claim in Florida exceeded $45,000, 15% higher than the national average. Florida's tourism industry saw a 20% increase in rental car usage, heightening risks for businesses in this sector. Hurricane-prone coastal areas face higher premiums, with an average increase of 18% for commercial policies in the last year. Central Florida's I-4 corridor, notorious for accidents, saw a 25% increase in commercial vehicle incidents. Rural areas in North Florida experienced a 15% rise in agricultural vehicle claims due to extreme weather events.
Expertise

How much does Commercial Auto Insurance cost in Florida?

Commercial auto insurance in Florida costs an average of $1,800 annually per vehicle. However, your specific premium depends on several factors:

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Vehicle Type and Use
Heavy trucks or specialized vehicles in Florida often incur higher premiums due to increased risk and potential damage costs.
2
Driver History
Clean driving records in Florida's challenging traffic conditions can significantly lower premiums.
3
Coverage Limits
Higher limits provide better protection but increase costs. We help optimize your coverage for Florida's unique risks.
4
Business Location
Urban areas like Miami or Tampa typically have higher rates due to increased traffic and accident risks.
5
Claims History

A history of claims can increase premiums. Our risk management services help minimize incidents on Florida roads.

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Frequently Asked Questions

Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.

What does commercial auto insurance cover in Florida?
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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.

Is commercial auto insurance mandatory for businesses in Florida?
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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.

How do Florida's commercial auto insurance rates compare to other states?
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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.

Can I get specialized coverage for my Florida-based commercial fleet?
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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.

How does Florida's no-fault insurance system affect commercial auto claims?
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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.

What factors influence commercial auto insurance costs in Florida?
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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.

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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.

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