Commercial Auto Insurance in Jacksonville FL

At Augustyniak Insurance, we specialize in helping small business owners across Jacksonville and Northeast Florida protect their vehicles, drivers, and livelihoods with customized commercial auto and fleet insurance. Whether you’ve got one work van or dozens of box trucks, we’ll match you with the right policy—at the right price—from top-rated carriers.

If you use a vehicle for your business in Florida—whether you're hauling tools, delivering meals, or managing a fleet—then commercial auto insurance isn’t just a nice-to-have. It’s essential.

Reasons You Need Commercial Auto Insurance in Florida

Your personal car insurance policy likely won’t cover you when your vehicle is used for business. If you or your employees are on the road for work—delivering packages, traveling between job sites, or transporting clients—you need a commercial vehicle insurance policy that’s designed for the risks Florida businesses face.

We work with trusted companies like Progressive, Auto-Owners, Travelers, Nationwide, Geico, Kemper, and more—so you can compare quotes and choose what’s best for your budget and protection needs.

Want to protect a single work truck or a whole team of vehicles? We've got options for every kind of business vehicle.

Fleet & Business Vehicle Coverage We Provide

We help insure vehicles for a wide variety of Jacksonville-area businesses, including:

• Contractors and construction crews
• Landscapers and lawn care companies
• Delivery and courier services
• Food trucks and catering vehicles
• Nonprofits, churches, and schools
• Real estate agents and inspectors
• Cleaning and janitorial companies

No two businesses are alike—and your fleet insurance policy shouldn’t be either. We’ll help you customize coverage based on the number of vehicles, how they’re used, and who’s driving them.

What Does Commercial Auto Insurance Cover?

Each commercial policy is tailored to your business, but most include:

Liability Coverage

Covers injuries and property damage if you or an employee is at fault in an accident.

Collision & Comprehensive Coverage

Pays to repair or replace your vehicle after an accident, theft, vandalism, flood, fire, or even hurricane damage.

Medical Payments / PIP

Helps pay for medical expenses for you and your passengers, regardless of who’s at fault.

Uninsured/Underinsured Motorist

Protects you from drivers who don’t have enough coverage—or any at all.

Optional Add-ons

• Hired and non-owned auto coverage (especially helpful for rentals or employee-owned vehicles used for work)
• Trailer and tool/equipment coverage
• Towing and roadside assistance

📍 Local, Expert Coverage for Jacksonville & All of Florida

We’re proud to serve small businesses across Jacksonville, including Southside, San Marco, Orange Park, St. Johns, and the Beaches. From one-van startups to multi-vehicle fleets, we’re your local partner for protection that travels with you.

Compare Commercial vs. Personal Auto Insurance

Many business owners assume their personal auto policy will cover them while working—but unfortunately, that’s not usually the case.

Here’s the difference:

Personal auto insurance is designed for everyday driving like commuting, errands, and vacations. It doesn’t cover business-related activities such as making deliveries, transporting clients, or driving to job sites.

Commercial auto insurance, on the other hand, is built specifically for business use. It covers your work vehicle whether it’s driven by you or an employee, and offers higher liability limits, broader protections, and options like hired and non-owned vehicle coverage.

If you’re using your vehicle for work—even occasionally—it’s worth talking to us to make sure you’re properly protected.

What We Offer at Augustyniak Insurance

• Local Expertise: We live and work in Jacksonville—so we understand the risks, regulations, and carriers serving Florida businesses.
• Tailored Coverage: From handyman trucks to catering fleets, we customize coverage that fits your real-world needs.
• Multiple Quotes: We shop with Progressive, Auto-Owners, Travelers, Nationwide, Geico, Kemper, and more—so you don’t have to.
• Real People, Real Service: Call, email, or visit—our local team is here to help you with questions, claims, or policy changes.

Frequently Asked Questions

Do I need commercial auto insurance if I use my personal vehicle for work?

Yes. Most personal policies exclude business use. If you're delivering, hauling tools, or visiting clients, you'll likely need a commercial policy.

What kinds of businesses need commercial auto insurance?

Contractors, food delivery services, landscapers, real estate agents, mobile pet groomers, and many others. If your vehicle is part of your work—you probably need it.

How much does commercial auto insurance cost in Florida?

Costs vary based on the number of vehicles, coverage types, driving history, and industry. We often see rates starting around $200/month, but every business is different.

Can I insure more than one vehicle on the same policy?

Absolutely. We help many clients save money and simplify billing with fleet insurance in Jacksonville.

Do you work with Progressive and other top insurers?

Yes—we proudly offer quotes from Progressive,  Geico, Auto-Owners, Travelers, Nationwide, Kemper, and other major commercial auto insurance companies.

Get a Free Commercial Auto Insurance Quote