Commercial Auto Insurance for Tampa FL Businesses
Liability, collision, comprehensive and hired auto coverage for Tampa Bay work vehicles and fleets. Personal auto policies exclude business use.
Work vehicles need a policy written for business use
A personal auto policy contains business-use exclusions. If you drive to a job site, haul tools or make deliveries, your personal insurer can deny the claim and leave you liable for the damage, the medical bills and the legal fees.
- Liability, collision and comprehensive on owned vehicles
- Hired and non-owned auto for rented and employee cars
- Hurricane wind, hail and flood losses on your vehicles
- Uninsured motorist protection for Florida roads
The coverages a commercial auto policy includes
Each piece answers a different accident. Together they keep a bad day off your business budget.
Liability coverage
Pays bodily injury and property damage if your driver is at fault, plus legal defense up to your limits.
Collision coverage
Repairs or replaces your business vehicle after a collision, whoever was at fault.
Comprehensive coverage
Covers theft, fire, vandalism, hurricane wind, hail, flooding and animal strikes.
Medical payments and PIP
Covers medical costs for your drivers and passengers. Florida no-fault PIP rules apply to commercial policies.
Uninsured and underinsured motorist
Protects your business when the at-fault driver has no insurance or too little of it.
Hired and non-owned auto
Extends coverage to rented vehicles and employee cars used for deliveries, client visits and job-site travel.
What sets your commercial auto premium in Tampa
Pricing is built from your vehicles, your drivers and how the vehicles are actually used.
Commercial auto covers the vehicle, not the tools and cargo inside it
Business tools and equipment usually need inland marine or commercial property coverage. We make sure your package covers the truck and what it carries.
Where commercial auto ends and another policy begins
- Vehicles your business owns and operates
- Rented vehicles and employee cars used for work
- Your drivers and passengers hurt in a covered accident
- Accidents caused by an uninsured or underinsured driver
- Work driving on a personal policy, that is excluded
- Tools, equipment and cargo carried in the vehicle
- Customer vehicles in your custody, that is garage keepers
Why Tampa Bay businesses trust FishHawk Insurance Center
We compare Florida-licensed carriers and look for the business-use gaps that leave an owner personally exposed. One agent who knows your vehicles and your routes.
- Multiple carrier comparison, not a single quote
- Tampa Bay road and weather knowledge
- Fleet coverage expertise for multi-vehicle businesses
- Business use gap analysis for every client
Getting covered is simple
Tell us about your business
Share your vehicles, your drivers and how the vehicles get used day to day.
We shop multiple carriers
An agent compares coverage and pricing from Florida-licensed commercial carriers.
Bind coverage and get your COI
Pick the policy that fits, we bind it and send your certificate of insurance.
Frequently asked questions
Why won't my personal auto policy cover work driving?
Personal auto policies contain explicit business-use exclusions. If you’re driving to a job site, hauling tools, or making deliveries and have an accident, your personal insurer will deny the claim, leaving you personally liable for property damage, medical bills, and legal fees.
Do I need commercial auto if employees drive their own cars for work?
Yes, this is a common gap. If employees regularly use personal vehicles for work, you can be vicariously liable for accidents. Hired and non-owned auto (HNOA) coverage fills this exposure. FishHawk Insurance Center checks this gap for every business client.
Does commercial auto coverage cargo and tools in the vehicle?
Standard commercial auto covers the vehicle but not its cargo or contents. Business tools and equipment typically need inland marine or commercial property coverage. FishHawk Insurance Center ensures your policy package covers both correctly.
What is the difference between commercial auto and garage keepers coverage?
Commercial auto covers vehicles you own and operate. Garage keepers liability covers businesses that take custody of customer vehicles, auto repair shops, car washes, towing companies. If your business works on or stores vehicles belonging to others, garage keepers coverage is essential.