What Commercial Auto Insurance Requirements Apply in Florida?

Florida’s 2026 statute requires combined bodily-injury and property-damage liability of $50,000, $100,000, or $300,000 per occurrence for covered commercial or qualified vehicles, depending on gross vehicle weight. Vehicles subject to federal 49 C.F.R. Part 387 rules must carry the equivalent federal minimum. Identify each unit’s statutory category and weight before selecting a limit.

What Is Commercial Auto Insurance?

Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. Read the national Commercial auto guide.

Florida Commercial Auto Insurance Requirements

Requirement	Details
26,000 to under 35,000 pounds	$50,000 combined liability per occurrence ¹
35,000 to under 44,000 pounds	$100,000 combined liability per occurrence ¹
44,000 pounds or more	$300,000 combined liability per occurrence ¹
Subject to 49 C.F.R. Part 387	Equivalent federal minimum ¹

What Should You Watch for With Commercial Auto Insurance in Florida?

Apply The Schedule Only To Covered Vehicle Definitions
Section 627.7415 covers commercial motor vehicles under §320.01 and qualified motor vehicles under §207.002 operated on Florida roads. Match the definition and GVW to the $50,000/$100,000/$300,000 per-occurrence tier. ¹
Federal Part 387 Can Control The Required Amount
Florida directs vehicles subject to 49 C.F.R. Part 387, subparts A and B, to carry the equivalent federal minimum. Check interstate and federally regulated operations before using only the state weight schedule. ¹
This Is In Addition To Other Requirements
Section 627.7415 states its limits apply in addition to other insurance requirements. Ask which separate state or federal filing applies to the operation and have the insurer document each filing. ¹
Confirm Separate Registration-Based Security
Florida’s current §627.733 separately addresses security for vehicles registered or required to be registered, with listed exceptions. Ask whether that section adds a requirement for the particular vehicle. ^2,¹

Which Commercial Auto Providers Have Florida License Records?

These providers publish a national listing for Commercial auto; the license records below name the licensed entities and roles. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Florida. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. ¹¹
Corgi links to trucking auto-liability coverage from its transportation menu.
TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. ¹⁴
TechInsurance arranges commercial auto insurance for small businesses.

Who Regulates Insurance in Florida?

Florida Office of Insurance Regulation

The Florida Office of Insurance Regulation licenses and regulates insurance companies and reviews rates and forms. The Department of Financial Services separately licenses insurance agents and handles consumer insurance complaints; its resource page links to both state license searches. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 1-877-693-5236

Surplus-Lines Tax and Stamping Office in Florida

Reported tax rate. 4.94% of gross premium plus a 0.03% FSLSO service fee for policies effective July 1, 2026 or later ^6,^7,⁸

When Florida is the insured’s home state, Florida taxes the entire gross premium at 4.94%; the premium definition includes policy and similar insurance charges. The separate FSLSO service fee is 0.03% for policies effective July 1, 2026 or later. Surplus-lines policies do not receive Florida Insurance Guaranty Association protection.

Florida Surplus Lines Service Office

Questions to Ask Before You Buy Commercial Auto in Florida

What statutory definition and gross vehicle weight did the insurer use for each Florida unit?
Does the operation fall under federal Part 387 and its equivalent minimum?
What other insurance filings apply in addition to §627.7415?

Commercial Auto Insurance in Florida: Frequently Asked Questions

What liability limit does Florida require for a covered commercial vehicle?

Section 627.7415 requires $50,000 at 26,000 to under 35,000 pounds, $100,000 at 35,000 to under 44,000, and $300,000 at 44,000 pounds or more. Federal Part 387 vehicles use the equivalent federal minimum. ¹

Does Florida’s weight schedule replace federal carrier insurance rules?

No. The statute directs vehicles subject to federal Part 387, subparts A and B, to carry the equivalent federal minimum and says the state limits are in addition to other requirements. ¹

Sources for Commercial Auto Insurance in Florida

1
Florida Statutes §627.7415 (2026). Florida Senate; §627.7415(1)–(4), current 2026 weight tiers and federal clause; Ch. 2026-39. Accessed 2026-09-28.
2
Florida Statutes §627.733 (2026). Florida Senate; §627.733 registration-based security scope and exceptions. Accessed 2026-09-28.
3
Florida Office of Insurance Regulation. Florida Office of Insurance Regulation; Official regulator homepage; insurer regulation. Accessed 2026-09-28.
4
Resources. Florida Office of the Insurance Consumer Advocate; State page links to DFS agent search and OIR active company search. Accessed 2026-09-28.
5
Get Insurance Help. Florida Department of Financial Services; Insurance concern and formal complaint intake; consumer helpline. Accessed 2026-09-28.
6
Florida Statutes § 626.932: Surplus lines tax. Florida Legislature; 4.94% tax on gross premium; home-state taxation; statutory definition of premium. Accessed 2026-09-28.
7
FSLSO Bulletin 2026-02. Florida Surplus Lines Service Office; Service-fee rate effective July 1, 2026: 0.03%. Accessed 2026-09-28.
8
Surplus Lines Search. Florida Office of Insurance Regulation; Consumer guidance for nonadmitted insurers, including absence of FIGA protection. Accessed 2026-09-28.
9
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
10
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
11
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
12
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
13
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
14
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
15
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

What Commercial Auto Insurance Requirements Apply in Florida?

What Is Commercial Auto Insurance?

Florida Commercial Auto Insurance Requirements

What Should You Watch for With Commercial Auto Insurance in Florida?

Apply The Schedule Only To Covered Vehicle Definitions

Federal Part 387 Can Control The Required Amount

This Is In Addition To Other Requirements

Confirm Separate Registration-Based Security

Which Commercial Auto Providers Have Florida License Records?

Corgi

TechInsurance