Florida commercial auto and fleet insurance,
for vehicles that work for a living.
Commercial auto insurance protects the vehicles your Florida business runs for a living. From a single work van in Sarasota to a small fleet running the Gulf Coast, Hendrickson Insurance writes cars, vans, trucks, trailers, buses, and specialty vehicles through Progressive, the country's number one commercial auto and truck insurer. We serve Sarasota, Bradenton, Tampa, and St. Petersburg, and we can quote one vehicle or a whole fleet.
What a commercial auto policy actually covers.
Pays for bodily injury and property damage your business vehicles cause to others. This is the core coverage, and Florida financial responsibility rules make it the starting point for any commercial account.
Comprehensive and collision on your own trucks, vans, and trailers. Covers theft, storm damage, and wrecks. Important in a state that sees hurricanes, flooding, and heavy summer traffic.
Liability for vehicles your business uses but does not own. Rented trucks and employees running errands in their own cars. Most Florida businesses with drivers on the payroll should carry it.
Protects the freight you haul, which auto liability and physical damage do not cover. A separate line for trucking and for-hire operations that carry goods in their care.
Covers medical costs for drivers and passengers regardless of fault. Florida is a no-fault state, so personal injury protection has a specific role on commercial vehicles.
One policy, one renewal, and consistent limits across every unit. As you add trucks and drivers we keep the schedule current so nothing runs uninsured.
Five programs. Almost any vehicle.
A broad range of cars and light trucks used across many industries. Consulting firms, health and social services, wholesale and retail, real estate, finance, cleaning crews, and light manufacturing. If your business runs cars and light trucks, this is usually their home.
Built for the work trucks and vans that show up to the job every day. Landscapers, general contractors, carpenters, electricians, plumbers, concrete and asphalt, and heavy construction.
Freight trucks that haul goods for others. For-hire trucking, auto haulers, refrigerated and agricultural hauling, expediters, movers, and heavy equipment. The over-the-road and regional freight side.
Purpose-built work trucks that standard programs often will not touch. Dirt, sand and gravel, garbage and debris, scrap and recycling, and log haulers. Heavier units with their own underwriting.
Tow trucks with hooks, known as wreckers, and rollback car carriers. Towing services, auto repair shops, and body shops. A specialized class we can place.
Commercial auto is rated by radius of operation. A landscaper working around Sarasota rates differently from a carrier running the length of Florida. Getting the radius right keeps the premium accurate.
"If it has wheels and works for a living, we can probably cover it. A few uses fall outside the market, and it is better to know that up front."
One vehicle or a small fleet, same process.
Year, make, model, how each vehicle is used, the radius it runs, and who drives it. That is enough to tell you which program fits and what the coverage looks like. Adding trucks later is a quick endorsement, not a new policy.
A handful of risks generally do not fit this market, including some passenger-carrying church vehicles, emergency vehicles, and truck driving schools. These are not blanket rules and vary by situation, so the fastest way to know is to ask.
You may also need.
Covers third-party injury and property damage off the road. Most commercial accounts carry both.
02 / Related CoverageExtra limits above your commercial auto and GL. Important when a single crash can exceed the underlying policy.
03 / Related CoverageCovers your drivers if they are hurt on the job. Required for most Florida employers and not part of auto.
Answered plainly.
What is hired and non-owned auto coverage, and does my Florida business need it?
Hired and non-owned auto (HNOA) covers liability when your business uses vehicles it does not own. Rented trucks, an employee running an errand in their personal car, or delivery drivers using their own vehicles. A standard commercial auto policy only covers the vehicles listed on it, so most Florida businesses with employees who drive on the job should add HNOA.
How does radius of operation affect commercial auto and truck rates in Florida?
Commercial auto is rated in part by radius class: local (under 50 miles), intermediate (50 to 200 miles), and long-haul (over 200 miles). A landscaper working around Sarasota rates very differently from a freight carrier running the length of Florida. Getting the radius right at quote time keeps the premium accurate and avoids claim disputes later.
Does commercial auto cover the cargo my trucks haul in Florida?
No. Commercial auto liability and physical damage cover the vehicle, not the freight on it. To protect the goods you haul you need motor truck cargo coverage, a separate line that pays for loss or damage to the cargo in your care. We add it for trucking and for-hire operations that need it, and we can write single trucks or small fleets.
Call 941-952-7991 or start your application online.