Commercial Auto Insurance for Florida Businesses

If your business uses vehicles, your personal auto policy won't cover them. OakLine gets Florida businesses the right commercial auto coverage — so you're protected on every job.

Don't Let a Personal Policy Leave You Exposed

Personal auto insurance excludes vehicles used for business purposes. Whether you run one work truck or a full fleet, a commercial auto policy covers your vehicles, your drivers, and the liability that comes with them.

  • Liability for accidents caused by your drivers

  • Physical damage to your business vehicles

  • Hired and non-owned auto coverage

  • Uninsured/underinsured motorist protection

Who Needs Commercial Auto?

Work trucks, vans, and equipment haulers

Owner-operators and commercial fleets

Trucks, trailers, and towing vehicles

Mobile workers, driving to client location

Agents driving clients to showings

Catering vans, food trucks, delivery drivers

Why Businesses Choose OakLine

Trusted guidance. Personalized coverage.

Long-term protection for what matters most.

Independent Advantage

We compare multiple carriers to help you find the right protection.

Personalized Advice

Every client has different needs. We tailor coverage to your goals.

Responsive Support

Questions, policy changes, and claims assistance when you need us.

Built for the Long Term

We focus on lasting relationships, not one-time sales.

Common Questions

What's the difference between personal and commercial auto insurance?

Personal auto policies exclude vehicles used for business purposes. If you get into an accident while driving for work and only have a personal policy, your claim can be denied. Commercial auto covers the same vehicle types but is specifically designed for business use.

Does Commercial Auto cover my employees when they drive?

Yes — commercial auto covers employees listed on your policy when driving company vehicles for work. You can also add hired and non-owned auto coverage, which protects you when employees use their personal vehicles for business.

What if I use my personal truck for work?

If you regularly use your personal truck for business purposes, your personal auto insurer can deny claims that happen during work use. You either need a commercial auto policy or a business use endorsement added to your personal policy. We'll help you figure out the right solution.

Do I need Commercial Auto if I only have one vehicle?

Yes — even one work vehicle needs commercial coverage if it's used for business. One vehicle can still cause a serious accident, and a denied personal auto claim could put your entire business at risk.

How much does Commercial Auto cost in Florida?

Most small businesses pay between $1,200–$3,000 per year per vehicle depending on the type of vehicle, how it's used, and your drivers' records. Trucking and fleet policies vary more widely. Get a free quote and we'll find you the best rate.

Ready to Protect Your Business?

Get a personalized quote from OakLine Insurance today.