Florida commercial auto
Work truck insurance in Florida. Start your quote in 60 seconds.
Florida work truck insurance is commercial auto coverage for pickups, vans, box trucks, dump trucks and small fleets used in a business. Personal auto policies often exclude business use. Tell Nymble Insurance about your trucks in about 60 seconds and a licensed Florida agent shops commercial auto options and calls you with real quotes.
- Pickups, vans, box trucks, dump trucks and small fleets
- Owner-operators, contractors and service businesses
- One agency handles your quote. Your info isn't sold.
How do I get a work truck insurance quote?
1. Tell us the basics
Business, number of trucks, vehicle types. That's enough to start.
2. We shop it
A licensed agent reviews what you need and gathers driver and vehicle details by phone or email.
3. You pick
We explain the options in plain language: liability limits, physical damage, hired and non-owned auto, and more.
Who needs commercial work truck insurance?
Contractors & trades
Roofers, HVAC, plumbers, electricians, pool service and general contractors running trucks to job sites.
Landscaping & hauling
Pickups pulling trailers, dump trucks and box trucks hauling materials, debris or equipment.
Owner-operators & fleets
One truck or a growing fleet, including vehicles driven by employees.
What does a work truck policy cover?
- Liability: injuries and property damage you cause to others while driving for work.
- Physical damage: collision and comprehensive for your own trucks.
- Uninsured / underinsured motorist and medical payments, where available.
- Hired and non-owned auto: rentals and employees' cars used for business.
- Add-ons: towing, rental reimbursement, and certificates of insurance for contracts.
Coverage depends on the policy, the insurance company and underwriting approval.
Work truck insurance questions, answered
What is work truck insurance?
Work truck insurance is commercial auto insurance for vehicles used in a business, such as pickups, vans, box trucks and dump trucks. It typically includes liability for injuries and damage you cause, and can add physical damage, medical payments, uninsured motorist and hired and non-owned auto coverage.
Can personal auto insurance cover a work truck?
Often not. Personal auto policies typically exclude or limit business use, especially for vehicles titled to a business, used to haul equipment or driven by employees. A licensed agent can review how you use the truck.
Does Florida require commercial auto insurance?
Florida requires insurance on registered vehicles, and the required amounts depend on the vehicle type, weight and use. Commercial trucks may face higher requirements, and customers or contracts often ask for higher limits. We'll match coverage to your vehicles and contracts.
What coverage do contractors usually need on a work truck?
Most contractors carry liability, physical damage (collision and comprehensive) for vehicles they can't afford to replace, and hired and non-owned auto if employees drive their own cars for work. Tools and equipment in the truck usually need separate inland marine coverage.
Are tools in my truck covered by commercial auto?
Usually not. Commercial auto covers the vehicle and permanently attached equipment. Loose tools and equipment are generally covered under an inland marine or tools-and-equipment policy, which we can quote alongside your auto.
What is hired and non-owned auto coverage?
It covers liability when your business uses vehicles it doesn't own, such as rentals or employees' personal cars driven for work errands. Many service businesses need it even if they own trucks.
What will you need from me to quote?
Usually driver names and license numbers, vehicle VINs, the garaging address, the type of work you do and your current declarations page if you have one.
Can you insure a single truck or an owner-operator?
Yes. We quote one truck for an owner-operator as well as small fleets for contractors and service businesses.
Can I get a certificate of insurance for a job site or contract?
Yes. Once your policy is in place, we can issue certificates of insurance and add additional insureds when a contract requires it, subject to policy terms.
Do you write outside Florida?
Our agency is licensed in Florida. Call us to ask about your state.