Liability on a business auto policy is built from a few distinct parts.
Bodily Injury and Property Damage
This is the core: injuries to other people and damage to their property when your driver is at fault. It is usually written as a combined single limit, one number covering both, which is what a certificate request means by "$1,000,000 CSL." Split limits exist, but most Tampa Bay contracts are written around the combined form.
Defense costs generally sit outside the limit, so the policy pays to defend the claim without eroding what is available to pay damages. That distinction matters more than most owners realize when a claim goes to litigation.
Personal Injury Protection and Medical Payments
Florida's no-fault baseline applies to vehicles registered here: up to $10,000 in personal injury protection medical and disability benefits plus $5,000 in death benefits, with medical paid at 80 percent of reasonable expenses when initial care happens within 14 days of the crash (s. 627.736(1), Fla. Stat.). Property damage liability of $10,000 is required alongside it (s. 324.022(1), Fla. Stat.).
Medical payments coverage can be added for your own drivers and passengers. For most business fleets it is inexpensive, and it fills the space above PIP's limits quickly.
Uninsured and Underinsured Motorist
This is the coverage Florida businesses skip most often and regret most sharply. The Insurance Research Council estimated that 20.6 percent of Florida drivers were uninsured in 2023, the seventh-highest rate in the country. Florida also does not require bodily injury liability coverage for ordinary vehicle registration, so plenty of insured drivers carry nothing that pays for injuries they cause.
Uninsured motorist coverage has to be offered at limits matching your bodily injury liability unless you reject it in writing on an approved form (s. 627.727, Fla. Stat.). If your driver is hurt by an uninsured driver on I-275, this is the coverage that responds.
