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Florida Hired and Non-Owned Auto Coverage

Florida requires continuous security for vehicles registered in the state and extends that requirement to a nonresident vehicle after it has been physically present in Florida for more than 90 days in the preceding 365 days. Florida PIP is written around specified people and the insured vehicle: it includes the named insured, resident relatives unless excluded, people operating the insured motor vehicle, passengers, and certain pedestrians. The statute does not establish that an employer HNOA policy provides those benefits. 1,2

What Is Hired And Non-Owned Auto?

Hired and non-owned auto (HNOA) liability protects the business when rented cars or employees’ own cars are used for work. It does not pay for damage to those vehicles, and it is not a substitute for commercial auto on vehicles the business owns. Read the national Hired and non-owned auto guide.

Florida Requirements

RequirementDetails
Continuous security for specified vehiclesFlorida requires owners or registrants of most vehicles registered and licensed in the state to maintain security throughout the registration or licensing period. A nonresident owner or registrant must also maintain security after the vehicle has been physically present in Florida for more than 90 days during the preceding 365 days, for as long as it remains in the state. 1
PIP applies to specified people and vehiclesA policy meeting Florida’s security requirements must provide PIP benefits to the named insured, resident relatives unless excluded, people operating the insured motor vehicle, passengers, and certain non-occupants struck by the vehicle, subject to statutory conditions. 2

What to Watch for in Florida

  • PIP turns on the insured and the vehicle

    Florida’s statute names people covered under a policy and ties several categories to operation or occupancy of the insured motor vehicle. Ask whether the employee’s own policy, a rental vehicle’s policy, or the employer’s policy is the relevant insured policy for that trip; do not infer that HNOA supplies PIP. 2

  • Initial medical care has a 14-day condition

    For PIP medical benefits, Florida requires initial services and care within 14 days after the accident. Employees should know how to report an accident promptly and where to seek initial care, while the claim handler confirms policy and eligibility details. 2

  • A long Florida stay can change the security question

    The statute applies its security requirement to a nonresident’s vehicle after more than 90 days of physical presence in Florida during the prior 365 days, whether or not the vehicle was operated. Businesses with extended assignments should ask who owns or registers each vehicle and confirm the required security with the insurer. 1

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

Surplus-lines tax and stamping office

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

Florida Surplus Lines Service Office

Providers With Documented State Licenses

These providers publish a national listing for Hired and non-owned auto; the state records document licenses for the entities and roles shown below. 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.

  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’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

Questions to Ask Before You Buy in Florida

  1. Which Florida auto policy is treated as the relevant policy for an employee injured in a rented or employee-owned car during work?
  2. Does that policy include PIP for the employee’s relationship to the vehicle, and what steps preserve eligibility for medical benefits?
  3. Will any employee vehicle remain in Florida long enough to trigger the nonresident 90-day security rule?

Hired And Non-Owned Auto in Florida: FAQ

Who does Florida PIP cover? 2

Section 627.736 lists the named insured, resident relatives unless excluded, people operating the insured motor vehicle, passengers, and certain non-occupants struck by it, subject to statutory conditions. The policy and facts determine which category applies. 2

Can Florida’s security rule apply to a nonresident vehicle? 1

Yes. Under § 627.733(2), a nonresident owner or registrant whose vehicle has been physically present in Florida for more than 90 days in the preceding 365 days must thereafter maintain the defined security while the vehicle remains in Florida. 1

Hired And Non-Owned Auto in Other States

Other Coverage in Florida

Sources

  1. 2026 Florida Statutes § 627.733: Required security. Florida Legislature; § 627.733(1)-(3): registered-vehicle security and nonresident 90-days-in-365-days rule. Accessed 2026-09-28.
  2. 2026 Florida Statutes § 627.736: Required personal injury protection benefits. Florida Legislature; § 627.736(1)(a): covered persons; $10,000 medical/disability and $5,000 death benefits; initial medical services within 14 days. 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. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  9. 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.
  10. 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.
  11. 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.
  12. 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.
  13. 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.
  14. 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.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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