Chubb
+ 70 more
Florida commercial auto premiums jumped over 30 percent last year. We pit 80+ A-rated carriers against each other so you stop paying for the carrier's name on your policy and start paying only for the coverage you actually need.
Real agents respond within 24 hours
A licensed Florida agent will be in touch within 24 hours, often sooner. Watch for an email from service@browninsuranceservices.com.
Need to talk now? Call (727) 586-1601. Real people answer.
Chubb
+ 70 more
From a single van to a 30-truck fleet, we know what your industry needs from a commercial auto policy. We shop the right carriers for it. No generic "small business" template.
We're an independent agency. That means we work for you, not for any one carrier. We shop your policy across 80+ carriers to find the right fit, and we stick around long after the policy is bound.
Tired of paying too much? Most clients save 15 to 30% the day they switch. We don't sell. We shop. 80+ carriers competing for your business means real savings, not gimmicks.
No call trees. No offshore reps reading scripts. When you call us, a licensed agent who knows your business answers the phone. Same one every time.
Most agencies disappear until your premium quietly jumps 20% at renewal. We call you 60 days before renewal, re-shop the market, and bring options to the table before the price hike hits.
HVAC, plumbing, electrical, roofing, landscaping, trucking, contractors. We know which carriers price your trade fairly and which ones don't. You stop overpaying because of a wrong-fit carrier.
Whether you have one delivery van or a fleet of service trucks, we help protect your vehicles, drivers, and business.
Covers bodily injury and property damage your business may cause to others while operating commercial vehicles.
Protects your commercial vehicles against collision, comprehensive, and other physical damage losses.
Covers goods, materials, or equipment being transported in your commercial vehicles against damage or theft.
Pays for medical expenses for you and your employees injured in commercial vehicle accidents.
Protects your business when hit by drivers who don't have insurance or adequate coverage limits.
Covers rental vehicles and employee-owned vehicles used for business purposes. Critical gap-filler for most operations.
Fill out the quick form or call us. Takes about 60 seconds. We just need the basics to start.
A licensed Florida agent runs your business through our carrier network. We come back with the best fit. Usually within 48 hours.
If we save you money, great. If you're already priced right, we'll tell you straight. No pressure. No hassle.
"When one of our delivery trucks was in an accident, Brown Insurance handled everything professionally and got us back on the road quickly. Their commercial auto coverage protected our business from what could have been a major financial loss."
"My old agent renewed me at 22% higher every single year without ever shopping. Brown moved my fleet to a different carrier and saved me $4,200 the first year. Should have switched five years ago."
"Three of my vans had hail damage from the storm. My old agent took weeks to even return calls. Brown had a claims adjuster on-site the next day. Different world."
"Brown Insurance saved me over $800 a year by shopping my policies with multiple carriers. They actually answer the phone when I call. Same guy every time."
"I'd been with the same agent for 15 years and never knew I was overpaying. Brown found me better coverage for less money in just one call. They actually understood my business."
"Finally, an insurance agency that calls ME before renewal. No more surprise rate increases or coverage gaps. They run the numbers every year so I don't have to."
You typically need commercial auto when vehicles are owned by your business, used regularly for business purposes, or when personal auto policies exclude business use. We help you determine the right coverage for how you actually use your vehicles.
Cost depends on vehicle types, fleet size, driver records, business use, and coverage limits. Florida rates have been climbing, which is exactly why we shop 80+ carriers. Most clients save 15 to 30% the day they switch.
Hired and Non-Owned Auto coverage protects your business when employees use their personal vehicles for work or when you rent vehicles for business use. This is one of the biggest coverage gaps we see, and one of the cheapest to fix.
If your business transports goods, materials, tools, or equipment, cargo coverage protects against damage or theft during transport. For trades like HVAC, plumbing, and contractors, the equipment in your van is often worth more than the van itself.
Submit the form or call us. Takes about 60 seconds. A licensed Florida agent reviews your business and shops 80+ carriers. We come back with the best fit, usually within 48 hours, often same-day for simpler accounts.
Commercial policies are built for business exposure: higher liability limits, coverage for employees as drivers, protection for tools and cargo in the vehicle, and underwriting that understands real-world commercial use. Personal policies often deny claims when a vehicle is used for business.
We shop 80+ A-rated carriers and bring back the right coverage at the right price. Most Florida businesses save 15 to 30 percent the day they switch. No hassle, no runaround.