Commercial Auto Insurance & Fleet Coverage in Florida

Keep Your Business on the Move – Commercial Auto

When the wheels turn, your business earns—make sure it’s covered.

If a vehicle is used for business beyond commuting, you likely need commercial auto. Personal policies often exclude business use. Complete Trust Insurance sets higher liability limits for Florida roads and aligns coverage with contracts and lender requirements from Vero Beach to Fort Pierce. A BOP or general liability policy does not replace commercial auto—each covers different risks.

Delivery person loading boxes into a silver cargo van in front of a building.
Vehicles and Industries We Insure

Cars, Vans, Pickups, Box Trucks, and More.

From service vans and contractor pickups to small fleets, we’ll match use, radius, and garaging to the carrier appetite. Telematics and safety programs may reduce costs over time for multi-vehicle operations along US-1 and A1A.

A man is smiling while sitting in front of a laptop computer.
What Commercial Auto Covers

Liability Plus Physical Damage, Built for Business.

  • Liability for injuries or property damage you cause
  • Collision and comprehensive for your owned or leased vehicles
  • Uninsured/underinsured motorist and medical/PIP
  • Hired/non-owned auto when employees run errands in personal cars


We’ll help decide if HNOA lives on your auto or your BOP and coordinate drivers, MVR checks, and certificate needs for job sites in Indian River County and beyond.

Bundle with Other Coverages

One Plan, Fewer Gaps.

Pair commercial auto with a BOP and workers’ comp, then consider an umbrella for higher limits. A quick commercial insurance review keeps contracts, certificates, and endorsements in sync across policies placed by Complete Trust Insurance.

Frequently Asked Questions

Commercial Auto Answers for Florida Businesses.

  • Do I need commercial auto if I just have decals or a wrap on my car?

    Branding doesn’t determine coverage; business use does. If you use the vehicle for work beyond commuting, you likely need commercial auto.

  • What’s the difference between personal and commercial auto insurance?

    Personal auto often excludes business use. Commercial auto allows higher limits, certificates, additional insureds, and broader use patterns.

  • My team uses their own cars—am I covered?

    Not by employees’ personal policies for your business’s liability. Add hired/non-owned auto to protect the company.

  • Is uninsured motorist coverage important in Florida?

    Yes. Florida has many uninsured or underinsured drivers, so UM is key to protect authorized drivers in company vehicles.

  • Are my tools covered if stolen from a work truck?

    Tools and equipment are property, not auto. Use inland marine/equipment floaters for those items.

  • Can you issue Certificates of Insurance quickly?

    Yes. Complete Trust Insurance provides rapid COIs and can add endorsements required by contracts when eligible.