COMMERCIAL AUTO & BUSINESS INSURANCE
FOR FLORIDA CONTRACTORS & SERVICE BUSINESSES
Compare commercial auto, general liability, workers’ compensation, and related business coverage with an independent Florida agency that takes time to understand how your company operates. Commercial auto is still our specialty; now one team can review the rest of the business with it.
Call, text, or submit a request anytime. Our team reviews the information and follows up promptly.
Tell us about your business
Coverage built around your business
ONE TEAM FOR THE WHOLE BUSINESS
Years helping Florida business owners and families with commercial and personal insurance questions.
Access to multiple commercial markets for auto, general liability, workers’ compensation, property, and more.
Local business owners who rely on a live team for quotes, certificates, policy changes, and renewals.
Business insurance built around the way your company works
A work vehicle is often only one part of the risk. Employees, subcontractors, tools, customer property, job-site activity, contracts, and payroll can create separate insurance needs. We help Florida business owners organize those details and review how the policies may work together. Depending on the business, ask about commercial property, a business owners policy, tools and equipment, hired and non-owned auto, motor truck cargo, and commercial umbrella. Availability varies by business, carrier, and policy.
Commercial Auto Insurance
Eligible company vehicles, work trucks, vans, trailers, and small fleets. Ownership, drivers, business use, radius, contracts, and cargo shape the review.
General Liability Insurance
Coverage that may respond to covered third-party injury, property damage, and certain personal or advertising injury claims arising from your operations.
Workers’ Compensation Insurance
Coverage for eligible employee work injuries and related statutory benefits. Payroll, duties, class codes, subcontractors, and exemptions affect the review.
Commercial Insurance Review
One coordinated review of auto, liability, workers’ compensation, property, BOP, tools and equipment, hired and non-owned auto, cargo, and umbrella options.
Industries we serve
Insurance for Florida contractors & service businesses
Cleaning Companies
Courier & Delivery
Plumbers
Whether you run one work truck or a growing crew, we review commercial auto, general liability, workers’ compensation, and the other coverages your industry commonly needs. Select your business below to learn more.
Have a contract or certificate deadline?
Send the complete insurance-requirement section before coverage is purchased or changed. We compare requested limits, additional-insured requirements, waivers of subrogation, completed-operations language, and certificate-holder information with the available policy options. A certificate only reflects coverage that is actually in force and does not replace legal review of a contract.
What is commercial auto insurance?
Commercial auto insurance helps protect vehicles used for business purposes, including cars, pickup trucks, vans, and other work vehicles, covering property damage, bodily injury, and vehicle repairs from a covered accident.
Coverage is tailored to your industry, your vehicles, and how they’re used. For example:
- A plumber with two service vans needs liability on both vans, and may need a separate tools and equipment policy for what rides inside.
- A landscaper who tows a trailer to job sites should have that trailer listed on the policy.
- A bakery whose employees make deliveries in their own cars may need hired and non-owned auto coverage.
Commercial auto insurance coverages
The right commercial auto policy depends on your vehicles, how they’re used, and the risks your business faces. Below are some of the most common commercial auto insurance coverages available for Florida businesses. Most contractors also carry general liability and workers’ compensation; we can review those alongside the auto policy.
Liability Coverage
Protects against injuries and property damage you cause to others.
Hired & Non-Owned Auto
Extends coverage for rented, leased, or employee-owned vehicles used for business.
Cargo Insurance
Helps protect the goods, materials, or equipment you're transporting if they're damaged, stolen, or lost while in transit.
Commercial vehicles we help Florida businesses insure
We help Florida businesses with a single work truck or an entire fleet compare commercial auto insurance from multiple insurance companies. We insure everything from cargo vans and box trucks to dump trucks, tow trucks, flatbeds, utility trucks, and more.
Why choose us
WHY FLORIDA BUSINESSES CHOOSE COVERED BY GUZMAN
Independent Agency
We work with multiple insurance carriers, so we compare commercial auto, general liability, workers’ compensation, and property options instead of being limited to one company.
A Live Team That Asks the Next Question
Call, text, or submit a request anytime. We clarify operations, organize underwriting information, explain what carriers ask for, and stay available for certificates, audits, changes, and renewals.
Florida-Focused, Locally Rooted
We serve eligible businesses throughout Florida, with local roots and experience in Zephyrhills, Wesley Chapel, Tampa Bay, and Central Florida.
One Relationship for Business and Personal
Commercial auto, general liability, workers’ compensation, property, and tools for the business, plus homeowners and personal auto reviews for eligible business owners.
Business insurance is not the only coverage a business owner manages
Covered by Guzman can also help eligible business owners review homeowners and personal auto insurance. That gives clients one agency relationship for business and household questions while keeping the policies, applications, underwriting, and coverage decisions separate.
Serving businesses throughout Florida
Covered by Guzman helps eligible businesses across Florida compare commercial auto, general liability, workers’ compensation, and related coverage from multiple carriers, with local roots in Zephyrhills and Wesley Chapel and hands-on experience across Tampa Bay and Central Florida.
How much is commercial vehicle insurance?
In real quotes our agency has run for Florida businesses, a one-vehicle policy for a pickup or light truck at Florida minimum limits has cost $1,000 to $9,000 a year ($80 to $750/mo), and a whole commercial auto policy has cost $1,000 to $45,000 a year ($80 to $3,750/mo). Where you land depends on the vehicle, the drivers, how the vehicle is used, the limits you choose, how far you drive and your claims history. We compare multiple insurance markets to find you suitable coverage and pricing. See our commercial insurance price guide for more ranges by vehicle and business type.
What business insurance should a Florida contractor or service company review?
Most contractors and mobile service businesses start with commercial auto, general liability, and workers’ compensation. Property, tools and equipment, a business owners policy, cargo, or umbrella coverage may be added when the operation creates that exposure. Eligibility and availability vary by business and carrier.
Do I need commercial vehicle insurance?
You may need commercial vehicle insurance when a vehicle is owned by a business or regularly used for deliveries, transporting equipment, visiting job sites, or other work-related activities. Personal auto policies may exclude or limit business use.
Can you get commercial insurance on a personal vehicle?
Yes, a personally owned vehicle may sometimes qualify for commercial insurance when it is regularly used for business. Eligibility depends on the ownership, vehicle type, business use, drivers, and insurance carrier.
Can general liability and workers’ compensation be purchased separately?
Yes. They may be written separately when an eligible market is available. Some businesses may also qualify for coordinated or packaged options depending on the carrier, operations, and eligibility. A package is not automatically cheaper.
Can Covered by Guzman help with certificates, additional-insured requests, or contract requirements?
Yes, once qualifying coverage is active and the requested wording or endorsement is supported by the policy and carrier. Send the complete certificate-holder details and the insurance section of the contract as early as possible. We prioritize time-sensitive requests and tell you what is realistic after reviewing the requirements.
