Choice One Insurance

Commercial Auto Insurance in Florida

Experience easy access to affordable, high-quality Commercial Auto Insurance from Choice One Insurance.

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Choice One Insurance | Insurance in Florida

At Choice One Insurance, we understand how important your business vehicles are to your daily operations. Whether you own a landscaping company in Tampa, run a delivery service in Orlando, or operate a fleet in Miami, having the right commercial auto insurance can help protect your business from unexpected financial loss. Our team is here to help you find coverage that suits your business needs.

Commercial Auto Insurance Florida

What Is Commercial Auto Insurance?

Commercial auto insurance is a type of policy designed for vehicles used for business purposes. It can include cars, trucks, vans, and even trailers that are operated in the course of doing business. If your Florida business owns, leases, or operates vehicles for work, commercial auto coverage may be an essential part of your insurance plan.

These policies often differ from personal car insurance. They may offer options that address risks associated with business use, such as liability for employees driving company vehicles, property damage to another party, or physical damage to your own vehicles.

Get a quote for Commercial Auto Insurance

Why Might My Florida Business Need Commercial Auto Insurance?

If your business relies on vehicles, there’s a good chance you’ll need commercial auto insurance. Florida law requires certain minimum levels of insurance for vehicles used on public roads, and many businesses face unique risks that personal policies may not cover.

Here are some situations where commercial coverage may be appropriate:

  • You transport goods or equipment.
  • Employees drive vehicles as part of their job.
  • You lease or rent vehicles under your business name.
  • Your business owns one or more vehicles registered in Florida.

 

Whether you operate one vehicle or an entire fleet, our agents at Choice One Insurance can help guide you through your options.

  • Commercial auto insurance in Florida can apply to a wide range of vehicle types. Depending on how your business operates, your coverage needs may differ.

    Vehicles that may be eligible for coverage include:

    • Box trucks and cargo vans
    • Pickup trucks used for contracting or landscaping
    • Passenger vehicles used for transporting clients or employees
    • Food trucks and specialty vehicles
    • Delivery vans and courier vehicles

     

    Some vehicles may require additional endorsements or specific policy considerations. Our team can work with you to identify what may be appropriate for your situation.

  • Commercial auto insurance policies in Florida can be tailored with a variety of coverage options. These may include:

    • Liability Coverage: May respond to claims involving bodily injury or property damage caused to others.
    • Physical Damage Coverage: Often includes comprehensive and collision, which may address damages to your own vehicles.
    • Uninsured/Underinsured Motorist Coverage: May help when another driver is at fault but lacks adequate coverage.
    • Medical Payments or Personal Injury Protection: May assist with medical expenses for you or your passengers, depending on policy terms.
    • Hired and Non-Owned Auto Coverage: May apply to vehicles your business uses but doesn’t own, such as rentals or employee-owned vehicles.

     

    Coverage options vary and should be selected based on how your vehicles are used. A licensed agent at Choice One Insurance can explain your options in more detail and help determine what selections may suit your business.

  • Several factors can influence the cost of commercial auto insurance in Florida. Understanding what goes into pricing can help you make informed decisions about your coverage.

    Common pricing factors include:

    • Number and type of vehicles insured
    • Business location and driving radius
    • Driving records of employees
    • Industry type and typical vehicle use
    • Coverage limits and deductibles selected

     

    At Choice One Insurance, we work with multiple carriers to help you compare options and find policies that fit your budget and coverage goals.

  • Our agency has been serving Florida businesses for years, offering local knowledge and personalized service. We understand the specific challenges business owners face when insuring vehicles in the Sunshine State, including high traffic areas, weather-related risks, and legal compliance.

    When you choose Choice One Insurance, you’ll work with a dedicated agent who takes the time to understand your operations and insurance needs. We offer:

    • Customized quotes from multiple insurance providers
    • Guidance through policy terms and conditions
    • Ongoing support with policy updates and renewals
    • Claims assistance when you need it most

     

    We’re committed to helping you protect your investment and keep your business running smoothly.

  • If you’re ready to explore commercial auto insurance for your Florida business, we’re here to help. The process usually starts with a quick conversation to understand how your vehicles are used and what your coverage goals are. From there, we’ll gather quotes and walk you through your options.

    Here’s how to begin:

    1. Contact Our Office: Fill out a short form online.
    2. Discuss Your Business: We’ll ask a few questions about your vehicles and operations.
    3. Review Your Options: Our team will provide you with policy choices and help you compare.
    4. Choose Coverage That Fits: Once you’re comfortable, we’ll help finalize your coverage.

     

    Whether you’re starting a new business or reviewing your current policy, we’re happy to provide a no-obligation consultation.

Commercial Auto Insurance Florida

Ready To Learn More?

Let Choice One Insurance be your trusted partner for commercial auto insurance in Florida. We’re here to help you navigate the process and support your business with reliable service and practical advice.

Contact us today to get started with your free quote or to speak with one of our experienced agents.

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18400 SW 97th Ave, Ste 100
Cutler Bay, FL 33157

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