Commercial Insurance | Orion Star Insurance Agency
Commercial Insurance

Protect Your
Business on the Road

From contractor vans to delivery fleets, we'll find the right commercial insurance policy at a competitive rate — so you can focus on running your business.

Get a Free Commercial Quote

🔒 Your info is private and never shared.

No-obligation
quotes
Multiple carriers
compared
Florida commercial
specialists
Fleets & single
vehicles covered
Same-day
coverage available

Commercial Coverage Options

Whether you run one work truck or a full fleet, we'll match you with the right coverage so your business stays protected.

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Commercial Auto Liability

Covers bodily injury and property damage your business vehicles cause to others. Required in Florida for any vehicle used commercially.

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Collision Coverage

Pays to repair or replace your commercial vehicle after an accident regardless of fault — keeping your business moving without unexpected costs.

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Comprehensive Coverage

Protects against non-collision damage including theft, vandalism, fire, floods, and storm damage — critical for Florida businesses.

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Fleet Coverage

One policy for multiple vehicles. Simplify your insurance and often save money by bundling your entire fleet under a single commercial policy.

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Tools & Equipment

Add-on coverage for tools and equipment stored in your commercial vehicle. Essential for contractors, plumbers, electricians, and trades.

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General Liability

Protects your business from third-party claims of bodily injury or property damage that occur during the course of your work operations.

Built for Florida Business Owners

If your business puts vehicles on the road, you need commercial insurance — and we work with businesses of all sizes to make sure they're covered at the right price.

Talk to an Agent
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Contractors & Trades
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Delivery & Courier
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Construction
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Trucking & Hauling
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Landscaping
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Cleaning Services
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Rideshare & Transport
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Any Florida Business

The Independent Advantage

As an independent agency, we shop multiple carriers to find the best commercial coverage for your business — not just the easiest sale.

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We Shop For You

We compare commercial policies across multiple carriers so you get the best rate without spending hours on the phone.

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Business-First Service

We understand what's at stake for business owners. You'll work directly with a licensed agent who gives you straight answers.

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Florida Expertise

We know Florida's commercial insurance requirements inside and out — from state minimums to industry-specific coverage needs.

Fast Coverage

Most businesses can get covered the same day. We move quickly because we know downtime isn't an option for your operation.

Get Your Business Covered in 3 Steps

Getting commercial insurance doesn't have to slow you down. Here's how simple it is to work with us.

1

Tell Us About Your Business

Fill out our quick form or give us a call. We'll ask a few questions about your vehicles, operations, and coverage needs.

2

We Compare Your Options

We shop multiple commercial carriers and come back to you with the best coverage options at competitive rates.

3

Get Covered & Get Back to Work

Choose your policy, sign your documents, and you're covered. Most businesses are insured the same day they apply.

Commercial Insurance FAQ

Have questions about commercial coverage? We have answers.

Do I need commercial insurance if I use my personal vehicle for work?
Yes — if you use your personal vehicle for business purposes (deliveries, client visits, transporting tools), your personal auto policy likely won't cover accidents that happen while you're working. Commercial coverage protects you properly.
What's the difference between personal and commercial auto insurance?
Personal auto insurance is designed for private, non-business use. Commercial auto insurance covers vehicles used for business operations and typically includes higher liability limits and additional protections suited to business activity.
How many vehicles do I need to qualify for fleet coverage?
Generally two or more vehicles can qualify for a fleet policy, though requirements vary by carrier. Fleet policies simplify billing and can reduce your overall premium compared to insuring each vehicle separately.
Can I cover employees who drive my business vehicles?
Yes. Commercial auto policies can be structured to cover any authorized driver operating your business vehicles, including employees. We'll make sure your policy is set up correctly for your team.
What if I have a mix of personal and commercial vehicles?
No problem — we can help you structure separate personal and commercial policies, or explore options that make sense for your specific mix of vehicles and usage.
How quickly can I get a certificate of insurance?
Once your policy is bound, we can typically provide a certificate of insurance the same day. Many contractors need one before starting a job — we understand the urgency and move fast.

Protect Your Business Today

Free, no-obligation commercial quote
Multiple carriers compared for you
Certificates of insurance same day
Single vehicles to full fleets covered
(954) 698-2463
Commercial Coverage

Get Your Business Protected

One call is all it takes. We'll compare commercial policies and get your business covered fast — so you never miss a job.

Liability and full coverage options
Fleet and single vehicle policies
Tools & equipment add-ons available
Independent agent — we shop for you
Get a Free Quote