Amazing expirience! The agent is very professional and friendly. Definitely recommend!!
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813-302-7151
813-302-7151
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We serve clients across Florida and work with multiple insurance carriers to help individuals, families, and business owners compare coverage options that fit their state and industry requirements.
We serve clients across Florida and work with multiple insurance carriers to help individuals, families, and business owners compare coverage options that fit their state and industry requirements.
7 months ago
Excellent service and very professional staff. They made the process easy, answered all my questions, and helped me find the right coverage. Highly recommended!
3 months ago
I’ve worked with Ray for years and he’s always reliable and has been able to help my clients in need! I can always count on him to provide the best insurance advice and service
7 months ago
Great service, and always looking out for my commercial insurance. Thank you Ray
3 months ago
Great insurance agent to work with. Ray is the best!
3 months ago
Reviews reflect individual customer opinions and experiences. They do not guarantee specific coverage, pricing, service timing, or claim outcomes.
How businesses use service trucks
Service trucks carry the business with them. An HVAC company runs a utility body with compartments full of gauges and parts. A mobile mechanic has a crane body and an air compressor. A pool service company runs a small truck with chemical tanks. An electrician’s truck has a ladder rack and pulls a wire reel trailer. When one of these trucks is down, so is the technician.
That is why a service truck policy needs more than a VIN. We need to know what is bolted on, what rides loose in the compartments, who drives, and what the equipment does at the job.
Business use, take-home trucks and drivers
A service truck is a business vehicle. Many are also take-home trucks, so a technician can drive straight to the first call in the morning. That is common and insurable, but it has to be disclosed. We need the address where each truck parks at night and your rule on personal errands.
Every technician who drives goes on the driver list. Carriers pull driving records, and many restrict drivers under 25 or drivers with recent major violations. If you hire often, send us new drivers before they get keys. Many service trucks are rated under 26,001 pounds, so a regular license is usually enough, but check the weight rating on the door sticker (FMCSA license classes).
Utility bodies and attached equipment
The service body can cost as much as the truck. Tell us what is on it and what it cost:
- Utility or service body with compartments
- Crane, liftgate or ladder rack
- Air compressor, generator, welder or pressure washer mounted on the truck
- Shelving and drawers in the cargo area
- Tanks, pumps and hose reels
Permanently attached equipment can often be insured as part of the truck under comprehensive and collision, when its value is listed. If it is not listed, a total loss may pay only for a plain cab and chassis.
On many commercial auto policies, an injury caused by the equipment while it is working, such as a crane swinging into someone at a job site, is handled by general liability, not the auto policy. Driving accidents go to the auto policy. Equipment operations often do not. We review your general liability policy for that gap.
Tools and parts are a separate question
The loose items in the compartments are a different story. Meters, power tools, recovery machines and parts inventory are usually not covered by the auto policy, even when the truck is. A break-in at a hotel parking lot can take thousands of dollars of tools and leave the truck with only a broken lock.
A tools and equipment policy (inland marine) is the usual fix. Set the limit by walking the truck and pricing what is really on it. For several trucks, one policy can list tools by truck or as one blanket amount.
Radius and call volume
A plumber running eight calls a day in Hillsborough drives differently from a generator tech who covers the whole west coast of Florida. Tell us the usual radius from where the trucks park and any regular long trips. After hurricanes, many service companies send trucks across the state or into Georgia for weeks. If that is part of your plan, tell us before the season starts.
Florida minimums, weight and trailers
For most service trucks, Florida’s basic requirement is $10,000 of personal injury protection (Florida Statutes s. 627.736) and $10,000 of property damage liability (Florida Statutes s. 324.022). That is the floor. It does not include bodily injury liability, which customers and property managers usually ask to see on your certificate.
Larger trucks carry higher minimums under Florida Statutes s. 627.7415: $50,000 per occurrence from 26,000 to under 35,000 pounds, $100,000 from 35,000 to under 44,000 pounds, and $300,000 at 44,000 pounds or more. Few service trucks reach those weights, but a heavy crane body can.
Crossing state lines with a truck rated 10,001 pounds or more requires a USDOT number under federal rules, and the FMCSA lists Florida among the states that require one for some intrastate commercial vehicles (FMCSA: Do I need a USDOT number?).
If the truck pulls a trailer, like a pipe trailer, a sewer jetter or a towable generator, list it with its VIN and value. Liability may follow a hooked-up trailer, but damage to the trailer itself is a separate coverage.
What it costs
Our price guide does not break out service trucks, so the closest matches are light trucks and contractor accounts. These are annual prices from real quotes our agency has run for Florida businesses:
- Pickup or light truck, one vehicle, Florida minimum limits: $1,000 to $9,000 a year ($80 to $750 a month)
- Pickup, one vehicle, $1,000,000 limit: $5,000 to $29,000 a year ($410 to $2,450 a month)
- Contractors and trades, whole commercial auto policy: $900 to $38,000 a year
A truck with an expensive body may cost more than a plain pickup because there is more value to insure. Your real price depends on your vehicles, drivers, limits and claims. See our Florida commercial insurance price guide.
Three service truck claims
A backing accident in a customer’s driveway. The tech backs into the customer’s car. Property damage liability pays for the car. Collision pays for your truck, minus the deductible, if you carry it.
A break-in at a hotel. A tech on an overnight job wakes up to pried compartment doors. Comprehensive may pay for the doors and locks. The tools and parts need a tools and equipment policy.
A part dropped from the crane. A heavy part slips and damages a customer’s equipment at the job site. Depending on the policy wording, this may fall to general liability rather than auto. We review both policies together so you know where a claim like this would go.
What we need for a quote
- VIN, year, make and model of each truck
- Body type, and invoices or values for added equipment
- Every driver: name, date of birth and license number
- Where each truck parks at night, and your take-home rule
- Usual radius, plus any out-of-state storm work
- Trailers, with VINs and values
- Current declarations page, loss runs and any contract requirements
Our quote checklist and the guide to adding vehicles and equipment help you prepare. Trade-specific guides for contractors and HVAC companies go deeper. Call or text 813-302-7151. The insurer decides eligibility and price after underwriting.
Service truck questions
Is the utility body covered if the truck is totaled?
It can be, if the body and equipment are listed with their value. If they are not listed, the payout may be based on a plain truck.
Are the tools in the compartments covered?
Usually not by the auto policy. A tools and equipment policy is the usual answer.
Can technicians take the trucks home?
Yes, if we know. Give us each overnight address and your rule on personal use.
Does the auto policy cover the crane or compressor while it is working?
Often not. On many policies, injury or damage caused by operating attached equipment falls to general liability. Ask us to check both policies.
Do my technicians need a CDL?
Only if a single truck is rated 26,001 pounds or more, or a combination of 26,001 pounds or more pulls a trailer rated over 10,000 pounds. Many service trucks are below that. Check the door sticker.
We send trucks out of state after hurricanes. Does that change the policy?
It can. Out-of-state work can bring federal USDOT rules and a wider radius. Call before the season so the policy matches the plan.
About the Author
Raymundo Guzman
I’m Raymundo Guzman, an independent insurance agent and the owner of Covered by Guzman. I help business owners across Tampa Bay and central Florida find commercial auto, general liability, workers’ compensation, and related business coverage that matches how they actually operate, comparing options across the carriers available to me rather than selling one company’s product.
Independent Insurance Agent · License #W512374 | NPN #18906048 · 813-302-7151
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Get coverage built around your service and utility truck, drivers, cargo, and daily operations.
Call 813-302-7151 or email Rguzman@CoveredByGuzman.com to discuss the business, vehicles, drivers, and requested coverage. Coverage, eligibility, pricing, terms, and effective dates are subject to carrier underwriting and the issued policy.
