A vehicle used for the business needs a business auto policy. That includes a car titled to the company, a truck that carries tools, and sometimes an employee's car that does the company's errands. A personal policy is priced and written for commuting and family use. The exclusion for business use is where claims go to die.
What it covers
Liability for injury and property damage from a covered auto. Physical damage if you buy it, with a deductible. Medical payments or personal injury protection where the Florida form requires it on a qualifying vehicle. Uninsured motorist if you do not reject it. A fleet is the same coverages on a schedule. Hired and non-owned liability covers the business when someone drives a vehicle you do not own, while they are working.
What it doesn't cover
The cargo itself, beyond a limited amount, unless you buy motor truck cargo. Tools locked in the truck, which are often inland marine. General liability for the job once everyone has stepped out of the vehicle. A driver who is not listed, if the form requires named drivers. A personal errand a company tells us was business, when the facts say otherwise. Wear and mechanical breakdown.
Florida specifics
Section 324.022's property-damage requirement and the financial-responsibility rules still apply to vehicles on the road. Personal injury protection follows the no-fault law for vehicles that meet the definition. A motorcycle used for work is a different page. Delivery, app-based driving, and hauling for hire are classes many personal and many light commercial companies will not write. We need an honest description of the radius and the commodity.
How we help
Send the vehicle list, the drivers, and one page of what they carry. If a contract names a limit or an additional insured on the auto policy, send that page too. Start a business quote and mention the vehicles, or call either office. We would rather place a commercial policy than stretch a personal one.