Commercial Auto Insurance in Florida

Florida requirements to know

State financial-responsibility minimum

Florida sets a standard financial-responsibility minimum that acts as a floor — heavier vehicles, for-hire operations, and many contracts require more. Confirm the current figure with the state.

Heavier and for-hire vehicles

Trucks above certain weights and vehicles used for hire commonly need higher limits set by the state or by the entity hiring you. A $1,000,000 combined single limit is a frequent contract requirement.

Interstate carriers (FMCSA)

If you cross state lines hauling freight or passengers for hire, federal motor-carrier minimums apply — often $750,000 for general freight, and higher for certain cargo or passenger operations.

Who needs it in Florida

Tourism and hospitality services, construction and trades, delivery and courier operations, agriculture and citrus hauling, and port logistics across Miami, Orlando, Tampa, and Jacksonville are common Florida commercial-auto users.

Coverages commonly included

•Liability — generally intended to respond to bodily injury or property damage you cause with a covered vehicle.
•Physical damage (comprehensive & collision) — optional coverage for damage to your own vehicles.
•Hired & non-owned auto — for rented vehicles or employees driving their own cars for work.
•Medical payments / uninsured motorist — and, for haulers, motor-truck cargo where applicable.

Tell us your vehicles, drivers, and how they are used, and we’ll route you to a carrier that fits. Limits and eligibility are set by the carrier and may vary by vehicle, use, and driving records — confirm your exact requirement before relying on a minimum.

Coverage descriptions are general. State minimums are a floor, not a recommendation; required limits, eligibility, and pricing are determined by the carrier and vary by vehicle, use, driving records, and the contracts you work under. Verify current requirements with the state and a licensed insurance professional.