Whether it's the owner's personal car or a fleet of vehicles the firm owns, any Florida business that employs automobiles for work needs commercial vehicle insurance. You are covered by your personal auto insurance when traveling to and from work, but not when making deliveries, gathering supplies, or engaging in other activities related to your place of employment. If you cause an accident while on business, a business auto policy would protect you and your personal vehicle. Regardless of whether you own a single pickup truck, a food truck, a fleet of semi-trucks and tractor-trailers, or anything in between, any cars you own solely for work reasons must be protected by a commercial auto policy.