Commercial Auto

Commercial auto insurance protects any vehicle owned by your business or used for work purposes. It keeps you legal, covered, and financially secure whether you operate one truck or a large fleet. Becker Insurance has markets for towing companies, truckers, contractors, delivery services, fleets, and businesses of every size. Commercial auto policies typically include liability coverage, physical damage, medical payments, uninsured motorist, hired and non‑owned auto, and optional towing or rental reimbursement. This coverage is built for the higher risks of business use, including job‑site driving, heavy loads, and transporting tools or customers. Florida law requires business‑use vehicles to be insured under a commercial auto policy, not a personal one. Certain industries—like towing and trucking—must carry higher liability limits and may need DOT numbers, cargo coverage, and federal filings. If a work vehicle is insured on a personal policy, the insurer can cancel the policy or deny claims. Without proper coverage, you may be personally responsible for injuries, property damage, lawsuits, and legal fees, and the state can suspend your license or registration and issue fines. With the correct commercial auto policy, claims are handled quickly and your business is protected from lawsuits. Employees driving your vehicles are covered, and tools, equipment, or trailers may be included depending on the policy. If a vehicle is used for hauling materials, visiting job sites, transporting employees, making deliveries, or advertising your business, it needs commercial auto insurance. Becker Insurance works with multiple carriers to secure the best coverage and rate for your business.