Commercial auto insurance is a type of insurance policy that helps cover vehicles used for business purposes such as cars, trucks, and vans. Commercial auto insurance covers vehicle damage and driver injuries.

Commercial auto policies tend to have higher coverage limits than personal policies, because business vehicles need more protection in case of accidents.

Commercial auto insurance covers business vehicles for things like:

• Damage to your vehicle(s)

• Driver injury

• Injury to someone else

• Damage to someone else's property

Vehicles covered by commercial auto insurance generally include:

• Cars

• Vans

• Pickup trucks

• Box trucks

• Service utility trucks

• Food trucks

In Florida, commercial auto insurance is required for vehicles used for business purposes, similar to personal auto insurance requirements. This type of policy provides coverage for damage to the insured vehicles, injuries to the drivers, and potential liabilities for injuries to others or damage to their property. Florida law mandates that all vehicles with four or more wheels maintain personal injury protection (PIP) and property damage liability (PDL) insurance at all times. The minimum coverage amounts for commercial vehicles can be higher than for personal vehicles, reflecting the increased risk and potential for higher liability associated with business use. The specific types of vehicles covered under a commercial auto insurance policy in Florida can include cars, vans, pickup trucks, box trucks, service utility trucks, and food trucks, among others. It's important for businesses to ensure that their commercial vehicles are adequately insured to comply with state regulations and to protect their financial interests in the event of an accident or other damage.