Commercial Auto Insurance

Built for Business Vehicles—not Personal Cars

Commercial auto insurance is designed for businesses that rely on vehicles to operate—not just to commute. If your company owns, leases, or operates one or more vehicles, or if employees drive for work, personal auto insurance is not enough.



At LIG Specialty Insurance, we help Florida contractors, trades, and small business owners protect everything from a single work truck to full fleets. As a boutique, family-run agency, we take the time to understand how your vehicles are used, what your contracts require, and where personal policies leave dangerous gaps.

What Does Commercial Auto Insurance Cover?

Auto Liability

Covers bodily injury and property damage if a business vehicle causes an accident. In Florida’s high-litigation environment, proper liability limits are critical—especially for contractors and fleet operators.

Physical Damage

Pays to repair or replace business vehicles after accidents, theft, vandalism, or storm damage.

Medical Payments

Covers injuries to drivers and passengers in covered accidents.

Uninsured / Underinsured Motorist

Protects your business when other drivers don’t carry adequate insurance—an important consideration on Florida roads.

Hired & Non-Owned Auto

Coverage for rented vehicles or employee-owned cars used for business purposes.

Tools & Equipment (Optional)

Additional protection for tools and materials transported in work vehicles—commonly added for contractors and trades.

Each policy is structured around how your business actually operates, not a one-size-fits-all template.

Who Needs Commercial Auto Insurance?

Commercial auto is essential for:

• Contractors and trades with one or more work vehicles
• Businesses operating fleets of trucks, vans, or service vehicles
• Companies where employees drive as part of their job
• Businesses required to show proof of insurance for contracts or licensing
• Any vehicle titled in a business name

In Florida, many contractor licenses, municipalities, and job contracts require specific commercial auto limits. We review these requirements with you to make sure your coverage aligns—before it becomes a problem.

Florida-Specific Considerations

Florida presents unique risks for business vehicle owners:

• High accident and lawsuit frequency increases exposure for underinsured businesses
  
• Contract and licensing requirements often mandate higher liability limits
  
• Storm and hurricane risks raise the importance of physical damage coverage
  
• Fast-moving jobs mean certificates of insurance need to be issued quickly and accurately

We help Florida business owners navigate these realities with coverage that’s compliant, practical, and ready when it’s needed.

Commercial Auto vs. Personal Auto Insurance

• Commercial Auto Insurance: Designed for business use, fleets, employees, higher liability limits, and contract compliance.
  
• Personal Auto Insurance: Intended for commuting and family use only. Claims can be denied if a vehicle is used for business purposes.

If you’re unsure where that line falls, we’ll walk you through it—clearly and honestly.

Frequently Asked Questions – Commercial Auto Insurance

Ready to Protect Your Business Vehicles?

Let’s review your vehicles, contracts, and risk exposure—then build coverage that supports your business instead of slowing it down.