Commercial auto insurance in Florida

What commercial auto insurance covers

Commercial auto insurance covers bodily injury and property damage liability for vehicles your business operates, including owned vehicles, rental vehicles, and employee personal cars used for business. Florida's no-fault system and high litigation rate make bodily injury and uninsured-motorist coverage especially important.

• Personal injury protection (PIP). required; covers your employees' medical costs and lost wages regardless of fault
• Property damage liability. required; covers damage to third parties' vehicles and property
• Bodily injury liability. not required but strongly recommended; covers third-party injuries when you're at fault
• Uninsured/underinsured motorist (UM/UIM). covers your vehicles and employees when an uninsured or underinsured driver causes a crash
• Collision and comprehensive. covers damage to your own business vehicles

Florida no-fault and PIP complexity

Florida's no-fault system means your own PIP covers your employees' medical costs regardless of fault. However, PIP has been reformed multiple times and carriers have tightened reimbursement. Large commercial vehicles (gross vehicle weight rating over 26,000 lbs.) are treated differently; consult your carrier on whether PIP applies to heavy trucks.

High uninsured-motorist prevalence

Florida has one of the highest rates of uninsured and underinsured drivers in the country. Many drivers carry only PIP and property damage, avoiding bodily injury liability. Robust uninsured-motorist coverage is essential to protect your business, employees, and customers when the at-fault driver is uninsured or underinsured.

Commercial auto limits in Florida

Florida law does not mandate specific bodily injury limits for commercial vehicles, but the high litigation environment means higher limits are advisable. Many commercial policies carry $100,000/$300,000 or $250,000/$500,000 or higher.

• $100,000 per person / $300,000 per accident (minimum recommended for service businesses)
• $250,000 per person / $500,000 per accident (common for contractors and commercial delivery)
• $500,000+/$1,000,000+ (larger fleets, high-risk operations)

Fleet programs in Florida

Florida carriers offer specialized fleet programs with telematics, driver management, and rate discounts for 5+ vehicle portfolios. Given Florida's high litigation and uninsured-motorist exposure, fleet analytics and safety programs are valuable.

How to lower your commercial auto premium

• Bundle with general liability, commercial property, or BOP for multi-line discounts
• Implement a driver safety program and require training for all drivers
• Use GPS and telematics to monitor fleet safety and reduce high-risk driving
• Maintain clean driving records; remove high-risk drivers
• Raise collision and comprehensive deductibles if your business can absorb the cost
• Re-shop at renewal; Maru compares carriers for rate reductions

Why buy commercial auto through Maru

Maru compares commercial auto carriers across our network, accounting for Florida's no-fault system, high uninsured-motorist exposure, and litigation risk. We help you access fleet programs, telematics, and loss-control services, and re-shop at renewal to keep your rate competitive.

Frequently asked questions

Vadim — Maru Insurance
Licensed independent insurance agent · WA & FL
Written and reviewed by a licensed Maru advisor. Maru Insurance is an independent agency (WA License WAOIC #1365574, FL License #G363233) representing multiple A-rated carriers across Washington and Florida.