Auto Insurance FAQs

If the vehicle is titled to the business, carries company signage, hauls tools or product, or is driven by employees, your personal policy can deny the claim. A fleet of one still needs a commercial policy — and it's often less expensive than owners expect.

Occasional commuting is usually fine. Regular business use — deliveries, service calls, hauling equipment, transporting clients — is typically excluded. The exclusion doesn't surface until you file a claim, which is the worst possible time to find it.

Florida requires commercial vehicles to carry minimum liability protection, with higher thresholds for larger trucks and for-hire operations. Contracts, lenders, and municipalities frequently require more than the state minimum. We check what applies to your operation before you sign anything.

It covers vehicles your business uses but doesn't own — rentals for a job, or an employee running to the supplier in their own car. Without it, a crash in an employee's personal vehicle on company time can land directly on the business.

Not by itself. Physical damage covers the vehicle; tools, equipment, and materials inside need inland marine or a contractor's equipment policy. We write both, so nothing falls between the two.

Listed drivers operating a covered vehicle in the course of business are covered under your liability limits. Driver records affect your rate, so we review the roster with you and flag anything that could cause a problem at renewal.

Comprehensive coverage handles wind, hail, falling debris, and flood damage to vehicles — a real consideration when your trucks sit in a Gulf Coast lot during storm season. We recommend it on every commercial vehicle.

Yes — certificates and additional insured endorsements are routine for us. Send us the contract requirements and we'll make sure your policy actually satisfies them before you sign.

Gladly. Send us your current declarations page and we'll tell you plainly where the limits are thin, what's excluded, and whether the price is competitive — even if the answer is that you should stay where you are.