Commercial Auto Insurance in Florida – The Marcus Group

Why Commercial Auto Insurance Matters in South Florida

If your company owns or uses vehicles for work, you need commercial auto insurance in Florida. A standard personal auto policy will not cover accidents or damages when a vehicle is used for business purposes.


For businesses in in Florida, heavy traffic on I-95, I-75, and local highways, combined with storm damage and uninsured drivers, makes protection even more critical.


At The Marcus Group, we help Florida businesses — from contractors to delivery services — secure affordable, customized commercial auto insurance that safeguards vehicles, employees, and assets.

Delivery person loading boxes into a white van near a modern building.
Commercial Auto Insurance

What Our Commercial Auto Insurance Covers

Two delivery drivers in a white truck, both wearing red caps and shirts.

Liability Coverage

Covers injuries and property damage if one of your drivers causes an accident while on the job.

Collision Coverage

Pays to repair or replace your business vehicle after a crash.

Comprehensive Coverage

Protects against theft, vandalism, fire, hurricanes, and flood damage common in South Florida.

Essential in Florida, where many drivers carry little or no insurance.

Uninsured/Underinsured Motorist Coverage

Medical Payments & Legal Costs

Helps cover medical bills and legal defense if your company is held responsible for an accident.

Two men near a semi-truck, one pointing, holding a clipboard, discussing details in a lot.

Common Add-Ons & Options

Car icon with key and clock.

Hired & Non-Owned Auto Insurance

Protects your business when employees use personal or rented vehicles for company work.

Black tow truck icon.

Roadside Assistance

Keep your fleet on the road with towing, jump-starts, and breakdown support.

Black delivery trucks icon.

Fleet Coverage

Bundle coverage for multiple vehicles under one cost-effective policy.

Who Needs Commercial Auto Insurance in Florida?

If your company owns, leases, or uses vehicles for business, you need commercial auto insurance. We specialize in:


  • Contractors in Florida – Work trucks, vans, and utility vehicles.

  • Florida Delivery & Transport Businesses – From couriers to logistics fleets.

  • Service Providers Across Florida – HVAC, plumbing, electricians, landscaping.

  • Small Businesses – Any Florida company using cars, vans, or trucks for operations.

Local Risks to Consider in Florida

  • Hurricane & Flood Damage – Vehicles at risk from severe weather.

  • Heavy Traffic in Broward, Palm Beach, and entire state of Florida – Higher accident rates on Florida highways.

Uninsured Drivers – Florida has one of the highest uninsured motorist rates.

FAQs – Commercial Auto Insurance in FL

  • Is personal auto insurance enough for my business vehicles?

    No. Personal auto insurance does not cover vehicles used for business.

  • Can I insure multiple vehicles under one policy?

    Yes. We offer fleet commercial auto insurance in Florida for businesses with several vehicles.

  • Do I need coverage if employees use personal cars for work?

    Yes. With hired and non-owned auto insurance, your company is protected when employees drive personal cars for business use.

  • How much commercial auto coverage do I need in Florida?

    It depends on your vehicles, drivers, and business operations. We’ll help you customize the right level of protection.

Keep Your Florida Business Moving Forward

Get the Right Commercial Auto Insurance in Florida

Your business vehicles keep your company running — don’t leave them unprotected. At The Marcus Group, we provide Broward County, Palm Beach County, and the entire state of Florida, commercial auto insurance tailored to your business needs.