Commercial Auto Insurance  for Orlando – Business Coverage That Keeps You Moving

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Protect the Vehicles That Power Your Day-to-Day

If your business depends on a vehicle—whether it’s a contractor van, delivery car, or real estate SUV—it needs more than a personal policy. Commercial auto insurance in Orlando is designed specifically to cover vehicles used for business purposes.


At The White Agency, we help small businesses across East Orlando, Winter Park, Avalon Park, and beyond insure the cars and vans they rely on every day. Whether you own one vehicle or a handful, we’ll tailor the coverage to fit your risk—and keep your business moving when the unexpected hits.

Why Business Vehicles Need Specialized Coverage

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Business vs. Personal Coverage

If your vehicle is titled in your business name or used to transport tools, goods, or clients, it likely needs a commercial policy. Personal auto coverage may exclude these uses.

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Higher Liability Protection

Business vehicle claims can be costlier. Commercial auto insurance typically provides higher liability limits to cover serious accidents, property damage, or lawsuits.

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Coverage for Employees and Borrowed Vehicles

With hired or non-owned auto endorsements, we can extend coverage when employees drive their own cars for work—or if you rent or borrow vehicles.

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Small Business? Big Responsibility.

Get coverage that’s as reliable as your best driver.

You don’t need a fleet of semis to need business auto insurance in Florida. One well-used work van is enough to put your business at risk if it's not properly insured. At The White Agency, we focus on small commercial vehicle accounts, including:


  • Work trucks and service vans for contractors
  • Delivery vehicles for local businesses
  • Company-owned cars for sales or real estate
  • Small commercial vans with wrapped logos
  • Pickup trucks transporting equipment

And if you carry tools or materials in your vehicle, we can talk about inland marine coverage to protect those items, too.

Understanding Commercial Auto for Small Business Owners

What to Know Before You Hit the Road

Whether you're unsure if you qualify or need help switching from personal to commercial coverage, we've got answers to help you make the right call.

  • When is commercial auto insurance required in Florida?

    If the vehicle is used primarily for business purposes or titled to your company, it needs commercial insurance.

  • What’s the difference between commercial and personal auto policies?

    Commercial policies are built for business risks, include higher liability limits, and cover additional exposures like employee use or equipment transport.

  • Can I insure just one vehicle for business use?

    Yes—many of our clients have just one work vehicle. You don’t need a fleet to benefit from commercial coverage.

  • Does commercial auto cover my tools?

    Not directly. We can add inland marine coverage to protect tools stored or transported in your vehicle.

  • What info do I need for a quote?

    We’ll need details like the vehicle make/model, VIN, business use, driver info, and estimated annual mileage.