Florida law requires all commercial drivers to carry at least the following commercial auto insurance:
$10,000 Personal Injury Protection (PIP): Also called no-fault coverage, PIP insurance allows policyholders to pay their injury costs from wrecks, regardless of who was at fault for the wreck.
$10,000 Property Damage Liability (PDL) Coverage: If you cause a wreck, you will need to use this coverage to pay for the damage to someone else’s property or vehicle that was your fault.
Depending on the type of commercial vehicle you operate, you might face requirements to buy additional protection. For example, commercial truckers usually need an entirely unique set of policies.