Commercial Auto Insurance
Protect the vehicles that keep your business moving with coverage designed around your operations, drivers, and fleet. Our local agents compare options from top insurance carriers to help you find the right protection.
Trusted By 12K+ Clients Across Florida
What Is Commercial Auto Insurance?
Commercial auto insurance helps protect vehicles owned, leased, or used by a business. Depending on your policy, it may cover vehicle damage, driver injuries, liability claims, and other expenses following a covered accident.
Whether you operate one work vehicle or manage a growing fleet, Bay Road can help you compare policies from multiple carriers and build coverage around the way your business operates.
What's Typically Covered?
A commercial auto insurance policy can include several core coverages that work together to protect your vehicles, drivers, and business.
Bodily Injury Liability
Helps cover another person’s medical expenses and related costs if one of your covered drivers causes an accident.
Property Damage Liability
Helps pay for damage a covered driver causes to another person’s vehicle or property.
Collision Coverage
Helps pay to repair or replace a covered business vehicle after a collision, subject to your policy’s deductible.
Comprehensive Coverage
Helps protect covered vehicles against certain non-collision losses, including theft, vandalism, fire, falling objects, and severe weather.
Uninsured And Underinsured Motorist Coverage
Helps protect covered drivers and passengers following an accident with a motorist who has insufficient insurance or no insurance.
Medical Payments Or Personal Injury Protection
Helps cover eligible medical expenses for covered drivers and passengers after an accident. Availability and requirements vary by state.
Hired And Non-Owned Auto Coverage
Can provide liability protection when employees use rented vehicles or personal vehicles for qualifying business purposes.
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Frequently Asked Questions
Who needs commercial auto insurance?
Businesses may need commercial auto insurance if they own vehicles, transport tools or products, make deliveries, visit job sites, or have employees drive for work. A personal auto policy may exclude or restrict coverage for business use.
What vehicles can commercial auto insurance cover?
Coverage may be available for cars, pickup trucks, cargo vans, service vehicles, box trucks, trailers, and other vehicles used for business. Eligibility depends on the vehicle, how it is used, and the carrier’s guidelines.
What is the difference between personal and commercial auto insurance?
Personal auto insurance is designed primarily for personal driving. Commercial auto insurance addresses business-related risks and can offer coverage options, vehicle classifications, and liability limits suited to business operations.
Are employees covered when driving a company vehicle?
Authorized employees may be covered while driving an insured company vehicle, subject to the policy’s terms and driver eligibility requirements. Businesses should keep their driver information current and confirm who is permitted to operate each vehicle.
What is hired and non-owned auto insurance?
Hired auto coverage generally applies to vehicles a business rents or leases temporarily. Non-owned auto coverage can provide liability protection when employees use their personal vehicles for qualifying business activities.
What affects the cost of commercial auto insurance?
Pricing may depend on your industry, vehicle types, fleet size, business location, travel radius, driver records, vehicle usage, coverage limits, deductibles, and claims history.
Can I add or remove vehicles as my business changes?
Yes. Vehicles and drivers can generally be added or removed as your business grows or your fleet changes. Contact your agent promptly to keep your policy information accurate.
How do I get a commercial auto insurance quote?
Request a quote online or contact a local Bay Road agent. Information about your business, vehicles, drivers, operating radius, vehicle use, and current insurance will help us compare available options.
Commercial Auto Insurance Near You
Our local agents help businesses throughout the communities we serve.
Commercial Auto Insurance Boca Raton
Commercial Auto Insurance Marathon
Commercial Auto Insurance Plantation
Commercial Auto Insurance Port St. Lucie
Commercial Auto Insurance Big Pine Key
Commercial Auto Insurance Key Largo
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