Keep Your Business Moving.
From a single work van to a full fleet, we insure the vehicles that power your business — with fast certificates of insurance and competitive rates.
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About Commercial Auto Insurance
Commercial Auto Insurance in Hialeah & South Florida
If you use a vehicle to make money — deliveries, contracting, transport, ride-share, or hauling — a personal auto policy won't protect you when something goes wrong. Commercial auto insurance covers the higher liability, cargo, and downtime risks that come with running a business on the road.
Kapital Insurance Group works with carriers that specialize in South Florida's tradespeople and fleet operators. We tailor limits to your contracts, add the drivers and vehicles you need, and turn around certificates of insurance (COIs) quickly so you never lose a job waiting on paperwork.
Why choose us
The Kapital advantage on commercial auto insurance
Fast certificates of insurance
Need a COI to win a contract? We issue and send them same-day, with additional insureds added on request.
Single vehicle to full fleet
Flexible policies that scale from one work truck to dozens of vehicles under one renewal.
Industry-specific coverage
Contractors, delivery, landscaping, transport, and more — limits matched to how you actually operate.
Bundle & save
Combine commercial auto with general liability or a business owner's policy for lower overall cost.
What's covered
Coverage options built around you
We tailor your policy to your real needs — never more than you need, never less than you should have.
Liability
Bodily injury and property damage your business vehicles cause to others — often required at higher limits than personal auto.
Physical Damage
Collision and comprehensive coverage to repair or replace your trucks, vans, and equipment vehicles.
Hired & Non-Owned Auto
Extends coverage to rented vehicles and employees' personal cars used for business errands.
Cargo & Tools
Protects the goods, materials, and equipment you carry while on the job.
Medical Payments
Covers medical costs for you and your passengers after an accident, regardless of fault.
Near you
Commercial Auto Insurance in your city
Dedicated local guidance for communities across Miami-Dade and Broward.
Questions, answered
Commercial Auto Insurance — frequently asked questions
Common questions about commercial auto insurance in Florida, answered by our local team.
Usually yes. Personal policies typically exclude business use, meaning a claim could be denied. If you haul tools, make deliveries, or visit job sites for pay, commercial auto is the right coverage.
Yes — we add additional insureds and issue updated certificates of insurance the same day so you can satisfy contract requirements quickly.
Carriers look at vehicle type and value, driving records, radius of operation, cargo, and your business type. Because we shop multiple carriers, we find the one that prices your specific operation best.
Yes. We offer ride-share endorsements and commercial policies for delivery and gig drivers who need protection beyond a personal policy.
Loved by South Florida
Hundreds of neighbors, one trusted advisor
Here's what real clients say about working with Jenisffer and the Kapital team.
“Jenisffer saved me over $90 a month on my car insurance and explained everything in Spanish. The whole thing took fifteen minutes and I had my ID cards the same day. I've already sent my whole family to her.”
Maria G.
Hialeah · Auto Insurance
“I run a small delivery business and needed certificates fast to land a new contract. Kapital had everything ready within an hour. Professional, quick, and they actually answer the phone.”
Carlos R.
Doral · Commercial Auto Insurance
“Florida home insurance was stressing me out until I called Kapital. They found me a better policy for less and walked me through my hurricane deductible so I finally understood it. Highly recommend.”
Yanet P.
Miami Lakes · Home Insurance
Bundle & save
Related coverage
Combining policies with one agency is one of the easiest ways to lower your total cost.
Business Insurance
From a food truck to a 50-person shop, we build coverage around how your business actually runs — and keep your certificates ready when clients ask.
Get a quoteGeneral Liability Insurance
Most contracts, landlords, and licenses demand general liability. We get you covered fast — with the certificate in hand the same day.
Get a quoteWorkers Compensation Insurance
Florida requires workers' comp for most employers. We keep you legal, your crew protected, and your premium under control.
Get a quoteAuto Insurance
We compare Florida's top auto carriers in one quick call so you stop overpaying — full coverage, liability, and SR-22 made simple.
Get a quoteReady for better commercial auto insurance?
Compare top carriers in minutes and start saving today. Free, no-obligation, and bilingual.
Free & no obligation · Takes about 2 minutes · Hablamos español