Commercial Auto & HNOA Insurance in Orange & Lake County, FL
Protect your vehicles, drivers, and business with local expertise—whether you run service trucks on SR‑429, delivery vans along I‑4/408, or sales teams covering US‑27 and SR‑50.
Start Commercial Auto QuoteFleet‑Smart Coverage for Central Florida Businesses
Serving Orlando, Winter Garden, Windermere, Dr. Phillips, Ocoee & Oakland in Orange County—and Clermont, Minneola, Montverde & Groveland in Lake County.
At Premier Group Insurance of Central Florida, we help contractors, couriers, and professional teams secure Commercial Auto and Hired & Non‑Owned Auto (HNOA) built to satisfy landlord, vendor, and lender requirements. We shop multiple carriers to align limits, symbols (e.g., 7/8/9), and endorsements with your contracts—then issue clean COIs quickly so crews can stay on the road.
Who We Serve
From solo vans to growing fleets—tailored options for common Central Florida operations.
Contractors & Service Fleets
HVAC, plumbing, electrical, pest control, landscaping, remodeling, and more—site‑to‑site driving every day.
- Commercial Auto with tools coverage coordination
- Inland Marine for equipment & trailers
- Workers’ Comp for field crews
Distributors, Couriers & Last‑Mile
Box trucks, reefers, sprinters, and delivery vans moving inventory across Orange & Lake County.
- Commercial Auto with symbol flexibility
- Cargo / Goods in Transit
- Umbrella for higher contract limits
Restaurants, Catering & Food Trucks
From daily deliveries to event catering—keep vehicles, food, and equipment protected on the go.
- Commercial Auto with hired auto
- BOP / Property for kitchens & contents
- General Liability & additional insureds
Retail, Mobile & On‑Site Services
Mobile pet grooming, locksmiths, appliance repair, cleaning crews—teams driving daily in personal cars.
- Hired & Non‑Owned Auto (HNOA)
- General Liability for premises/operations
- Workers’ Comp as you hire
Real Estate & Property Management
Leasing teams and maintenance techs traveling between communities and job sites.
- HNOA for employee/volunteer drivers
- BOP for office locations
- General Liability & vendor compliance
Sales Teams & Professional Offices
CPAs, attorneys, advisors, and outside sales driving to client meetings across Central Florida.
- HNOA with appropriate limits
- Professional Liability (E&O)
- Cyber Liability for laptops & client data
Recommended Coverages
Build the right stack for vehicle ownership, employee drivers, and contract‑required limits.
Commercial Auto
Core liability and physical damage for titled vehicles—customize symbols, comp/collision, and rental reimbursement.
- Symbols 7/8/9 (varies by carrier)
- UM/UIM & MedPay options
- Rental, towing & glass
Hired & Non‑Owned Auto (HNOA)
Protects your business when employees rent cars or use personal vehicles for company errands and deliveries.
- Meets vendor & lease requirements
- Pairs with driver MVR policies
- Often added to GL or Auto
Umbrella / Excess Liability
Boosts limits over Auto and GL to satisfy contracts and protect against severe losses.
- $1M–$5M+ limits available
- Follows form over auto & GL
- Meets many COI requirements
Workers’ Comp
Helps cover employee injuries from on‑the‑road accidents and job‑site activities; often required by contracts.
- Driver classification guidance
- Experience mod strategy
- Return‑to‑work planning
Inland Marine & Equipment
Protect tools, compressors, generators, and trailers that travel with your vehicles.
- Contractor’s equipment
- Installation floater
- Rented/leased equipment
Cargo / Goods in Transit
Coverage for inventory or client property while in your care during pickup, delivery, or installation.
- Motor truck cargo (where eligible)
- Employee dishonesty options
- Earned freight & debris removal
Serving Orange & Lake County
Fast certificates, clean endorsements, and route‑savvy guidance for Central Florida roads.
Orlando
Downtown traffic & garage parking—align limits and HNOA for sales teams and service calls.
- Valet/parking considerations
- Primary & noncontributory COIs
- Waiver of subrogation (as required)
Winter Garden
Historic downtown and Hamlin/Horizon West—delivery and service fleets near SR‑429 & 429/Turnpike.
- Symbol 7/9 discussions
- Rapid COI issuance
- Trailer & equipment scheduling
Windermere
Client‑meeting heavy routes—strong HNOA for professional offices and concierge services.
- Higher limit options
- Additional insured wording
- Driver policy templates
Clermont
US‑27 corridors and hillside communities—service trucks, trailers, and delivery vans.
- Inland marine pairing
- Rental reimbursement
- Windshield/glass options
Minneola
Family‑run businesses & startups—practical HNOA and entry‑level umbrella limits.
- Budget‑minded deductibles
- Driver MVR guidance
- Growth‑ready policies
Dr. Phillips
High‑end service providers and events—contract‑friendly COIs for venues and management companies.
- Primary & noncontributory
- Per‑project aggregates
- Certificate turnaround
Why Choose Premier Group Insurance?
Local, independent, and responsive—ideal for owners, fleet managers, and office admins.
Auto/HNOA Expertise
We understand symbol selections, rental/loaner exposures, and real‑world contract language demanded by vendors and property managers.
Independent & Unbiased
We shop multiple A‑rated carriers to balance limits, deductibles, and premiums to your route mix and risk tolerance.
Fast, Dedicated Service
One point of contact for quotes, COIs, driver changes, endorsements, and claims—so your vehicles stay working.
Ready to Protect Your Vehicles & Drivers?
Partner with Premier Group Insurance of Central Florida for contract‑ready coverage and quick certificates.
Contact Us Get a Quote