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A Guide to Commercial Vehicle Insurance in Florida

Vehicle Insurance

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In the state of Florida, commercial vehicles are required to adhere to certain regulations to operate legally. These regulations are in place to ensure the safety of both the drivers and the public. 

One of the regulations about commercial vehicles in Florida is to have proper insurance. To learn more about commercial vehicle insurance in Florida, keep reading below.

What Is Commercial Vehicle Insurance?

Commercial vehicle insurance is a type of insurance that covers vehicles used for business purposes. This includes vehicles such as cars, vans, trucks, and buses. Commercial vehicle insurance typically provides coverage for liability, property damage, and medical expenses. It can also provide coverage for loss of income and other business-related expenses.

What Are Florida’s Laws on Commercial Vehicle Insurance?

In Florida, all commercial vehicles must be insured with liability insurance. The minimum liability insurance you must carry is $10,000 for property damage and $10,000 for bodily injury or death.

You could face serious penalties if you are caught operating a commercial vehicle without the proper insurance. In some cases, you may even have your business license revoked.

In some cases, you may be required to carry higher amounts of liability insurance. This is typically the case if you are transporting hazardous materials or have a history of traffic violations.

What Are the Penalties for Driving Without Commercial Vehicle Insurance?

If caught driving without commercial vehicle insurance, you could face a fine of at least $150. You may also have your driver’s license suspended for up to three years.

The specific penalties you may face depend on the type of vehicle you were driving and whether you have been convicted of driving without insurance in the past.

What to Consider When Choosing Insurance?

There are a few things you should take into account when shopping for commercial vehicle insurance. Here are some key factors to keep in mind:

1. Type of Business

The type of business you run will greatly impact the type of commercial vehicle insurance you need. For example, if you run a taxi service, you’ll need a different policy than a delivery service. Make sure you’re getting quotes for the right type of coverage.

2. Size of Business

The number of vehicles you have and the amount of coverage you need will also be affected by the size of your business. If you have a large fleet of vehicles, you’ll need a more comprehensive policy than if you only have a few.

3. Use of Vehicles

Using your vehicles will also play a role in choosing the right insurance. If you only use your vehicles for business purposes, you’ll likely need a different policy than if you use them for personal use.

4. Value of Vehicles

The value of your vehicles will also be a factor in choosing the right coverage. If you have expensive vehicles, you’ll need a policy that provides more coverage than less expensive ones.

5. Budget

Of course, your budget will also be a key factor in choosing the right commercial vehicle insurance. Make sure you get quotes from a few companies to compare prices and find the best policy for your needs.


Commercial vehicle insurance in Florida is a must for any business that owns or operates a vehicle in the state. Many coverage options are available, and businesses should work with an insurance agent to determine the best policy for their needs. Commercial vehicle insurance can protect businesses from various risks, including property damage, liability, and medical expenses.

If you need auto insurance in Florida, contact us at Florida Manufactured Home Insurance Agency. We offer various insurance products like home, auto, boat, and even golf cart insurance! Get in touch with us to learn more about our products and services.

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