If your business relies on vehicles — whether it’s one pickup or an entire fleet — commercial auto insurance isn’t optional. It’s the backbone of your company’s liability protection on the road.

At Waterfront Insurance, we help Florida business owners safeguard their vehicles, employees, and assets with customized commercial auto coverage that meets state laws, lender requirements, and your industry’s specific needs.

From contractors and delivery drivers to real estate professionals and small fleets, we’ll build a policy that keeps your business moving — no matter what happens on the road.

Personal auto policies don’t cover vehicles used for business — even part-time. Without proper coverage, one accident could expose your company to lawsuits, medical claims, and major out-of-pocket expenses.

You need commercial auto coverage if you:

• Drive for business purposes (client visits, deliveries, service calls)
   
• Own company-registered vehicles or fleet vehicles
   
• Employ drivers or independent contractors using company vehicles
   
• Transport clients, goods, or tools
   
• Lease or finance vehicles under a business name
   
• Wrap or brand your vehicle with business logos
   

Our team makes sure your policy covers the right vehicles, drivers, and use cases — so you can operate confidently and legally anywhere in Florida.

Your Florida commercial auto policy protects your vehicles, drivers, and business from both physical damage and liability exposure.

Coverage Type What It Covers Liability Coverage Pays for bodily injury or property damage you cause to others while operating a business vehicle. Physical Damage (Comprehensive & Collision)Covers your own vehicle if it’s damaged by collision, theft, vandalism, fire, or weather. Uninsured / Underinsured Motorist Protects you and your employees if you’re hit by a driver with little or no insurance. Medical Payments Covers medical expenses for you and your passengers after an accident. Hired & Non-Owned Auto (HNOA)Protects your business when employees use personal or rented vehicles for work. Loading / Unloading Liability Covers damage while moving goods or materials on or off the vehicle. Towing & Rental Reimbursement Optional coverage to keep your business running after a loss. 

We’ll help you customize coverage for every vehicle type — vans, pickups, box trucks, service vehicles, SUVs, and even trailers.

We provide commercial auto insurance for a wide range of Florida businesses, including:

• Contractors & Builders
   
• Electricians, Plumbers, HVAC, and Roofers
   
• Landscapers & Property Maintenance
   
• Real Estate & Property Management Professionals
   
• Delivery & Courier Services
   
• Mobile Businesses (cleaning, catering, pet services)
   
• Small Fleets & Company Cars
   
• Non-Emergency Transport or Specialty Vehicles
   

Whether you operate locally in St. Petersburg and Tampa Bay or statewide, we’ll match you with the right insurer and policy limits for your exposure.

Florida requires all business-owned vehicles to carry minimum liability coverage, but most companies need much higher limits to stay protected.

Minimum State Requirements:

• $10,000 Property Damage Liability (PDL)
   
• $10,000 Personal Injury Protection (PIP)
   

Recommended Business Limits:

• $100,000 / $300,000 or higher in Bodily Injury Liability
   
• $100,000 or higher in Property Damage
   
• $1 million+ Combined Single Limit (CSL) for fleets or contracts
   
• Hired/Non-Owned Auto if employees drive personal or rental vehicles for business
   

Lenders, clients, or government contracts may also require higher limits or certificates of insurance (COI) — which we can provide instantly.

Factor How It Impacts Cost Vehicle type & value Heavier or specialty vehicles cost more to insure. Driving radius & routes Long-distance or metro driving increases exposure. Industry risk level Construction or delivery fleets carry higher liability. Claims history Past accidents or tickets influence rates. Driver records Clean driver records help reduce premiums. Coverage limits & deductibles Higher limits increase cost but provide stronger protection. Safety & tracking systems GPS or telematics may qualify for discounts. 

We shop multiple commercial insurers to secure the most competitive rates for your vehicle class and usage.

Bundle Policies: Combine business auto with general liability, workers’ comp, or property insurance for multi-policy discounts.
Fleet Safety Programs: Implement driver training and telematics for rate reductions.
Higher Deductibles: Adjust deductibles to lower monthly premiums.
Annual Reviews: Update coverage as your fleet, staff, or contracts change.
Claims-Free Discounts: Maintain clean driving records to keep your rates low.

Our team specializes in helping small and mid-size Florida businesses reduce insurance costs while keeping coverage airtight.

✔ Local Expertise: We understand Florida’s insurance laws, carrier markets, and coastal business risks.
✔ Multiple Carriers: Access to top-rated commercial auto insurers for better rates and flexibility.
✔ Fast Certificates: Need proof of insurance for a contract? We can issue COIs same day.
✔ Personalized Service: Real agents, not call centers — helping your business stay compliant year-round.
✔ Comprehensive Protection: Bundle your commercial auto with general liability, property, or umbrella insurance for seamless coverage.

Protect your business vehicles, drivers, and assets with a tailored commercial auto policy designed for your operations.

Waterfront Insurance – Business Coverage Built for Florida Roads.