Commercial Auto Insurance

Protect Your Fleet — and Your Bottom Line

From delivery vans to work trucks, your vehicles keep your business moving. But accidents, breakdowns, and liability claims can stop everything in its tracks. Commercial auto insurance helps you stay protected, compliant, and covered—no matter where the road takes you.

Why Commercial Auto Insurance Matters

Coverage That Works as Hard as You Do

A well-structured policy covers more than just fender benders. It safeguards your business from high out-of-pocket costs, legal claims, and loss of income if a vehicle is damaged or out of service. At St. Andrews Insurance, we help businesses across Panama City, FL, Santa Rosa Beach, and throughout Florida find the right commercial auto protection.

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What Commercial Auto Insurance Covers

Liability Coverage

Covers damage or injury caused to others when your driver is at fault. This is essential coverage for anyone operating business vehicles in Florida, especially in high-traffic areas like Panama City, where auto accidents can lead to costly claims.

Physical Damage Coverage

ncludes both collision and comprehensive protection for your business vehicles. Whether it’s a fender bender in Panama City Beach or storm damage in Santa Rosa, this coverage helps protect the investment you’ve made in your fleet.

Medical Payments or Personal Injury Protection (PIP)

Helps pay for medical costs if you or your driver are hurt.
Required in Florida, this coverage helps ensure your team is cared for after an accident—keeping your business moving forward.

Uninsured/Underinsured Motorist

 Steps in if you're hit by a driver without adequate insurance.
In areas like Panama City, FL, where not every driver carries proper coverage, this protection can be a financial lifesaver.

Hired & Non-Owned Auto Liability

Covers employees using personal or rented vehicles for business purposes. Ideal for businesses with mobile teams or delivery staff, this coverage helps you stay protected even when the vehicle isn’t on your policy.

Optional Add-Ons

Such as roadside assistance, rental reimbursement, or replacement cost for newer vehicles. Add these to your commercial auto policy for extra peace of mind on Florida’s busy roads—especially when quick service matters most.

Questions We Hear Most — With Answers

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  • Do I need commercial auto insurance for a personal vehicle used for work?

    Yes. If you or your employees use personal vehicles for work purposes (like client visits or deliveries), you may need hired or non-owned auto coverage.

  • Does my business auto policy cover employees driving their own cars?

    Not automatically. You’ll need to add non-owned auto liability coverage to protect your business if an employee’s personal vehicle is involved in an accident on the job.

  • Can I bundle commercial auto with other business coverage?

    You bet. Many business owners save by bundling auto with general liability, property, or umbrella coverage. Explore our full suite of Business Insurance.



  • Why choose St. Andrews Insurance for commercial auto?

    We know the local landscape and the unique needs of Florida businesses. From Pensacola to Panama City, we’ll help you build a flexible, affordable policy that works for you today—and scales with you tomorrow.

Local Help, Real Answers

We’ll Keep Your Business Rolling

We’re here to take the stress out of commercial coverage. You’ll get fast answers, expert guidance, and local support from people who actually know your business. Let’s get your vehicles—and your business—protected.

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