COMMERCIAL AUTO INSURANCE

Commercial Auto Insurance for Florida Businesses

Keeps Your Business Moving

Protect the vehicles that power your business with coverage built for Florida roads.

What You Get

Commercial,Delivery,Vans,Parking,In,A,Row,,Transporting,And,Shipping

Vehicles We Insure

Company cars and SUVs, pickups, service and utility trucks, cargo vans, box trucks, stake body and flatbeds, food trucks, small dump trucks, trailers, and light to medium fleets. One vehicle or many, we have options.

What Commercial Auto Covers

Auto Liability for bodily injury and property damage to others
Combined Single Limit options that meet contract and lender requirements
Personal Injury Protection and MedPay as required in Florida
Uninsured and Underinsured Motorist for at-fault drivers who lack insurance
Comprehensive for theft, fire, vandalism, and storm damage
Collision for crashes with another vehicle or object
Towing and Roadside options for disabled vehicles
Rental Reimbursement while your vehicle is in the shop

We size limits to contracts and budgets. Common limits include 1 million combined single limit.

Signed,,Sealed,And,Delivered.,Shot,Of,A,Young,Postal,Working

Smart Add-Ons For Florida Risks

Hired and Non-Owned Auto (HNOA): when employees drive their own cars or rented vehicles for business
Drive Other Car: coverage for owners and executives who do not have a personal auto policy
Employer’s Non-Ownership Liability: for incidental employee use
Trailer Interchange and Non-Owned Trailer Physical Damage
Motor Truck Cargo for transported goods and tools
Rental Car Physical Damage for hired vehicles
Garagekeepers if you service or park customer vehicles
MCS-90 and state or federal filings if your operation requires them

What Is Not Covered

Employee injuries. Use Workers Compensation
Damage to your building or equipment off the vehicle. Use Commercial Property or Inland Marine
Professional errors or contracts. Use General Liability or Professional Liability
Intentional acts and routine maintenance issues

Worker,Carry,Carton,Box,Taken,From,40,Feet,Steel,Container

Ready To Get a Quote?

Why Florida Businesses Choose Us?

Florida commercial team that understands DOT filings, additional insured wording, and lender requirements
We compare multiple carriers to find strong terms and competitive rates
Same day ID cards and Certificates of Insurance
Help with additional insured, primary and noncontributory, and waiver of subrogation
Annual reviews, driver MVR guidance, and claims support
Bilingual friendly service

Talk to a Commercial Specialist

Call (813) 657-0100

Frequently Asked Questions

Do I need commercial auto if I already have personal auto?

Yes, if the vehicle is used for business or titled to the business, you need a commercial policy.

Is Hired and Non-Owned Auto the same as rental car coverage?

HNOA provides liability for vehicles you hire or employees own. Add hired auto physical damage if you want damage coverage for rented vehicles.

Can I insure tools and equipment kept in the vehicle

Tools are better covered under Inland Marine or Contractors Equipment with theft protection.

What limits do contracts usually require

Many contracts require 1 million CSL for auto liability. We will match your contract requirements.

How fast can I get ID cards

Often the same day once your policy is active.

Industries We Serve

Contractors and trades, delivery and courier, restaurants and catering, mobile services and technicians, landscaping, real estate and property management, retailers and wholesalers, nonprofits and community groups, and many more.

How Pricing Works in Florida

Premium is based on vehicle type and radius, garaging location, driver history and MVRs, business class, annual mileage, selected limits and deductibles, and loss history. Credits may apply for telematics, driver training, and garaging security.

Certificates and Filings

We issue COIs quickly for jobs, leases, and lenders. If your operation needs filings, we can provide MCS-90, BMC-91X, or state forms when available through the carrier. Send us a sample contract and we will match the insurance language.

Call (813) 657-0100

Customers Feedback

Yohamis B.

“I’ve been a client of Romero Insurance for quite a while now. The work great with you and always find the best quotes available. Customer service is top notch and always very responsive when you need it. Thank you Rose for so many years of insurance!!!”

Steve C.

“The Romero team are experts at what they do and they do it with integrity and passion! I highly recommend them!”

Lane H.

“The entire team at Romero Insurance & Financial Services lives up to their motto impeccably. Integrity truly is their bottom line and I have been really grateful to have had the opportunity to meet and work with them. You can trust that you are in awesome hands!”

Daniel A.

“Rose from Romero Insurance & Financial Services was fantastic! She was able to get us better coverage for our home at a better value. Very professional and responsive. We were very happy with our service.”

Barbara C.

“I needed help clarifying with my mortgage bank that the property had insurance. Although it was a billing confusion, Rose was very lovely and professional and helped me solve the situation immediately with the bank. Wonderful and quick follow up. Thank you!”

Michelle H.

“I was very surprised at how easy it was to get a quote on my car insurance. A five minute phone call saved me almost $200! The staff is very helpful and I really enjoyed talking to a real person!”

Lorna S.

“Great service from one agent to another! Reached out to Rose regarding homeowners insurance for a mobile home that we were unable to write. She was very pleasant and quick to reply! Highly recommend!”

James G.

“Everything was super, My agent Rose Colon did everything very quick and to my special needs on my insurance. I would refer all my friends, and even a few non friends to her to get great service”

Jonathan L.

“Very quick to respond with polite and professional standards!!”

Noemi A.

“I contacted Romero Insurance & Financial Services as I needed insurance for my recently purchased condo. Rose responded and took care of everything for me. She was very professional. She provided an outstanding customer service. Thank you for all your help! You are the best!”