Commercial auto insurance addresses vehicles used for business purposes, from a single work truck to a small fleet. Infante Insurance Group works with a network of carriers to help business owners across Florida and Texas — from Miami-Dade and Tampa to Orlando, West Palm Beach, Houston, and Dallas — explore coverage options that fit their vehicles and operations — in English or Spanish.
Coverage Options
A typical commercial auto policy addresses several exposures. Liability coverage can help with costs if a business vehicle causes injury or property damage. Physical damage coverage — comprehensive and collision — can help repair or replace business vehicles after an accident, theft, or weather event. Hired and non-owned auto coverage can extend protection to vehicles the business rents or employees use for work but doesn’t own. Coverage can be structured for a single vehicle or a full fleet, and requirements often depend on vehicle weight, use, and driver structure.
Who May Need This
This coverage is worth exploring if your business owns or leases vehicles used for work, employees drive their personal vehicles for business errands, or you operate a delivery, contracting, or service business with one or more vehicles on the road daily.
Where You're Covered
Dense commercial traffic and active construction, delivery, and service industries — from Miami-Dade and Tampa to Houston and Dallas — make commercial auto a frequent conversation for business owners across both states. Florida’s no-fault framework and Texas’s at-fault framework apply to business vehicles just as they do to personal ones, so where your fleet operates matters. Personal auto policies generally exclude business use in either state, which is a common gap a licensed agent can help identify for your specific fleet and operations.
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This information is for general educational purposes only and does not replace policy documents, legal advice, or personalized insurance guidance. Coverage options may vary by carrier, policy, state, underwriting, exclusions, limitations, and individual circumstances.
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Quick answers to the questions we hear most often.
Generally, no — personal auto policies typically exclude business use, which is why dedicated commercial auto coverage is relevant if you use a vehicle for work.
Often Coordinated Together