Florida commercial auto insurance covers liability for bodily injury and property damage caused by your business vehicles, collision and comprehensive damage to your vehicles, uninsured/underinsured motorist coverage, medical payments, and hired and non-owned auto liability. Personal auto policies typically exclude vehicles used for business purposes.

Yes. If you regularly use your personal vehicle for business purposes — such as making deliveries, visiting clients, or transporting equipment — your personal auto policy likely excludes those activities. A commercial auto policy or a hired/non-owned auto endorsement is needed to cover business use.

Commercial auto insurance in Florida typically costs between $1,200 and $3,500 per vehicle per year for most small businesses. Rates depend on the type of vehicle, its use, driver history, and coverage limits. Fleets and high-risk vehicles (dump trucks, tow trucks) cost more. Bright Coast Insurance shops multiple carriers to find the best rate for your fleet.

Yes. Bright Coast Insurance offers fleet insurance programs that cover multiple vehicles under a single commercial auto policy. Fleet programs can simplify billing, provide volume discounts, and allow you to add or remove vehicles easily as your business grows.

Hired and non-owned auto (HNOA) coverage protects your business when employees use their personal vehicles or rented vehicles for work purposes. It covers your business's liability if an employee causes an accident while driving a non-company vehicle on company business.