Hendrickson Insurance
Hendrickson Insurance
Personal auto policies exclude business use. Commercial auto insurance covers your company vehicles, contractor trucks, delivery fleets, and any vehicle used in the course of business operations — with the liability limits that Florida's roads and courts demand.
Schedule a CallFor businesses with a defined fleet — company vehicles, service trucks, contractor equipment carriers — a scheduled commercial auto policy covers each vehicle individually with the appropriate liability, physical damage, and medical payments coverage for Florida operations.
When employees drive their personal vehicles for work errands, or when you rent vehicles for business use, your business has liability exposure not covered by a personal auto policy. Hired and non-owned auto coverage fills this gap — often critical for small businesses without company-owned vehicles.
Contractors, trades, and service businesses often run vehicles that carry tools, equipment, and employees — with different usage patterns than standard business autos. We structure coverage that reflects actual contractor operations, including equipment carried in the vehicle and employee travel patterns.
Businesses operating delivery or transport vehicles face elevated liability exposure — higher mileage, more frequent third-party interaction, and greater accident frequency. Commercial auto with appropriate limits and physical damage coverage is essential for any delivery operation in Tampa Bay or Sarasota.
Florida requires minimum commercial auto liability coverage for registered business vehicles. But minimum statutory limits — often $10,000/$20,000 — are inadequate for almost any business. A single at-fault accident in Tampa or Sarasota can generate liability far exceeding minimum limits.
We recommend liability limits based on the actual exposure your vehicles create — the routes driven, the payloads carried, the neighborhoods operated in, and the financial consequences of a serious accident.
Call 941-952-7991 or schedule a conversation below.