Commercial auto insurance in Florida
Florida businesses that put vehicles on the road — work trucks, vans, delivery vehicles, or a mixed fleet — generally need commercial auto insurance, because a personal auto policy typically excludes business use. A commercial auto policy is generally intended to respond to liability, and to physical damage if added, when a covered vehicle is in an accident.
Florida requirements to know
State financial-responsibility minimum
Florida requires $10,000 Personal Injury Protection (PIP) and $10,000 Property Damage Liability (PDL) — it is one of the few states that does not mandate bodily injury liability for basic registration (though 10/20/10 can be required after certain crashes). This is a floor; commercial trucks, for-hire operations, and many contracts require more.
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.
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.
New to the coverage parts (liability, physical damage, hired & non-owned auto, motor-truck cargo)? See the full breakdown on our commercial auto insurance guide. Florida minimums are a floor — required limits and pricing are set by the carrier and vary by vehicle, use, and driving records.
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