Commercial Auto Insurance for Landscape Trucks & Trailers in Florida
Why personal auto won't cover your work truck, hired/non-owned exposure, and trailer coverage gaps.
Run a tree service or take on trimming jobs? Our tree trimmer insurance guide explains $0 Down® liability built for crews who work at height.
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Simple monthly payments. High-hazard appetite for landscapers and tree trimmers in all 50 states. An indication is not a binder.
Tree crews: see $0 Down® tree trimmer liability.
Get a Free IndicationPersonal auto policies exclude business use. The minute your F-250 is pulling a trailer to a paying job, you need a commercial auto policy.
Required Florida Limits
While Florida only mandates $10K PIP/PD on personal vehicles, commercial accounts almost always need $1M combined single limit to satisfy commercial customer COI requirements.
Trailer & Equipment
Trailers under 2,000 lbs are usually included; anything bigger needs to be scheduled. Mowers, blowers, and chainsaws ride on inland marine — not auto.
Hired & Non-Owned
If any employee ever uses their own truck for work errands, you need hired/non-owned auto. It's cheap ($150–$400/yr) and closes a giant gap.
Compare commercial auto quotes from multiple Florida carriers in minutes.
Working around trees? Read our guide to tree trimmer insurance, or get a free $0 Down® indication in a couple of minutes.
Get a free $0 Down® indication
Simple monthly payments. High-hazard appetite for landscapers and tree trimmers in all 50 states. An indication is not a binder.
Tree crews: see $0 Down® tree trimmer liability.
Get a Free Indication$0 Down® liability insurance for landscapers and tree trimmers.
Designed to protect your reputation. Landscapers and tree trimmers in all 50 states. One short form.