Commercial Auto Insurance in Florida for Work Vehicles

Coverage for Trucks, Vans, and Fleets

Business Driving Risks are Different Here

Florida roads are busy, unpredictable, and often part of the job. Whether you’re running service calls across Jacksonville, hauling materials down I-95, or moving crews between sites in Orlando and Tampa Bay, your vehicles are exposed to more than everyday traffic. Commercial auto insurance is designed for that reality, covering company-owned trucks, vans, and fleets used for business operations.


GM Insurance Underwriters helps contractors and business owners set up policies that match how your vehicles are used. We look at who drives, what’s being hauled, where vehicles are parked overnight, and how often they’re on job sites. That detail matters for pricing and for avoiding gaps when a claim happens.

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Construction and Trade Vehicle Needs

Built for the Way Contractors Drive

Work vehicles in construction do more than commute. They carry tools, tow trailers, and move between multiple job sites in a day. That’s why policies need to reflect real use, not assumptions. GM Insurance Underwriters regularly insures:

Contractor pickups and vans

Dump trucks and flatbeds

Fleet vehicles for multi-crew operations

Mixed-use vehicles that are business-first

Hired and non-owned auto exposures when employees use personal vehicles for work

Trailers and equipment haulers used to move tools and machinery

If you’re expanding crews or adding vehicles, we can update coverage quickly so certificates stay current and job sites stay on schedule.

What a commercial auto policy can include

Protection that follows your workday

A strong commercial auto policy can include liability coverage for injuries or damage you cause to others, coverage for physical damage to your vehicles, and options that protect your business when a driver is hurt or the other driver is uninsured. If your company relies on pickups, box trucks, flatbeds, or a growing fleet, we’ll help you choose limits that line up with contracts and real exposure.


For construction companies, commercial auto often works alongside general liability and umbrella coverage to meet job requirements. If an owner calls for higher limits, we’ll structure the program so your vehicles and your business are protected under one coordinated plan.

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Commercial Auto Questions We Hear

  • Do I need commercial auto if I have a personal policy?

    If a vehicle is owned by the business or used primarily for work, a personal auto policy usually isn’t enough. Commercial auto is built for business driving and business liability.

  • What affects the cost of commercial auto in Florida?

    Factors include driver history, vehicle type, radius of travel, cargo or equipment hauled, and claims history. Construction fleets and heavy trucks are rated differently than service sedans or light vehicles.

  • Can you cover multiple vehicles under one policy?

    Yes. A fleet policy often improves consistency and can simplify renewals as you grow.

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