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Commercial Auto Insurance

Florida Commercial Auto Insurance


fort myers commercial auto insurance
Commercial auto insurance insures your vehicle for situations and usage not covered by a personal auto policy.

In the driving world, you can’t control what people do behind the wheel but you can protect yourself with the optimum protection with the right commercial auto insurance policy.

A commercial auto insurance policy will insure a vehicle for physical damage and includes liability coverage.


This is a type of business insurance, which covers a wide variety of insurance including commercial car insurance, truck insurance or fleet insurance.

Who Needs Commercial Auto Insurance?

In general, if an automobile is used in tasks related to the operator’s occupation, profession, or business, other than a general commute, a commercial policy is necessary. This is crucial as business uses are often excluded from personal policies.

You will need commercial vehicle insurance if:

– You are using your vehicle to conduct a business.
– If you require higher limits of liability due to the nature of your work.
– Hauling a considerable weight in tools or equipment or towing a trailer used to conduct business.
– If employees operate the automobile and the ownership is in the name of the corporation.

What Does Commercial Auto Insurance Cover?

Similar to your personal auto policy, Florida commercial auto insurance provides similar coverage such as liability, collision, comprehensive, medical payments, and uninsured motorists coverage. However, there is a difference between the two that includes eligibility, definitions, coverage, exclusions, and limits. Most commercial auto policies are “named driver only” policies meaning only those who are listed can operate the insured vehicle.

Some commercial automobile insurance policies can include:

– Bodily injury liability coverage.
– Property damage liability coverage.
– Combined single limit.
– Medical payments, no-fault or personal injury coverage.
– Uninsured motorist coverage.
– Comprehensive physical damage coverage.
– Collision coverage.

Obtaining Commercial Auto Insurance in Florida

If you are interested in receiving more information  about commercial vehicle insurance or to receive a quote, contact us at Metro Insurance Agency today!


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Serving the Great State of Florida

We have extensive experience working with many different types of businesses throughout the Florida area (including the areas of Punta Gorda, Estero, Fort Myers Beach, Cape Coral, Fort Myers, Lehigh Acres, Bonita Springs and Naples)