Commercial Auto Insurance for Your Business Vehicles
Get reliable, affordable Commercial Auto Insurance with Casey Insurance Companies, tailored for contractors, fleet owners, delivery services, and marine-related businesses.
Tailored Commercial Auto Insurance Solutions
What is Commercial Auto Insurance?
Marina service vehicles
Heavy-duty work vehicles
Box Truck
Company cars
fleet
commercial cargo
Request a Free Auto insurance Quote
Who Needs Commercial Auto Insurance?
Fleet Operating
Uses vehicles for job duties
Auto Rental Business
Operates in marine industries
Temporary or Seasonal Use
What’s Covered in Our Auto Policies
Physical Damage Coverage
Pays for repairs or replacements if your vehicle is damaged in an accident, fire, or vandalism.
Uninsured/Underinsured Motorist
Covers your losses when the at-fault driver lacks sufficient coverage.
Medical Payments
Pays for injuries to drivers or passengers, regardless of fault.
Collision & Comprehensive
Collision covers vehicle-to-vehicle accidents; comprehensive covers theft, weather, and non-collision incidents.
Hired & Non-Owned Auto
Protects vehicles you rent or employees’ personal vehicles used for work.
FAQs About Commercial Auto Insurance
Commercial auto insurance typically covers liability for bodily injury and property damage, collision, comprehensive (theft, fire, vandalism), uninsured/underinsured motorists, and medical payments. Policies can also extend to fleet vehicles, trailers, cargo, and rental autos used for business.
The cost of commercial auto insurance varies depending on vehicle type, location, coverage limits, number of vehicles, and industry. On average, small businesses in Florida can expect to pay between $1,200–$2,500 annually per vehicle.
If you use a vehicle for business purposes, such as deliveries, transporting equipment, or employee travel, commercial auto insurance is required. It provides broader coverage than personal auto policies and meets legal and liability requirements for businesses.
In most states, including Florida, businesses must carry a minimum amount of liability coverage. Requirements may include bodily injury, property damage, and uninsured motorist protection. Additional coverages like cargo and collision are often recommended for full protection.
Commercial auto insurance covers vehicles used for business activities and offers higher liability limits and specialized coverages like cargo and hired/non-owned auto. Personal auto insurance is designed for individual, non-business use and typically won’t cover accidents that occur while driving for work.
Small businesses can expect to pay anywhere from $1,500 to $3,000 annually per vehicle, depending on usage, driving history, and vehicle type. Working with a insurance broker ensures you get tailored pricing and maximum value.
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