Sarasota's commercial vehicles are mostly service and construction: pool trucks, landscaping trailers, HVAC vans and contractor pickups running between Lakewood Ranch, Siesta Key and Venice. The exposure is local radius, high-value residential neighborhoods and a lot of time parked at job sites — which is a different underwriting picture than long-haul trucking, and should be priced like one.
Ricardo is based in Sarasota and this is home turf. He quotes commercial auto for local trades and small businesses who want an agent they can actually meet, and who understand that a work truck in Sarasota County is a tool, not a toy.
Coverage for Sarasota work vehicles
Auto liability
Bodily injury and property damage you cause to others while operating a business vehicle. This is the part contracts and state rules usually care about most.
Physical damage
Collision and comprehensive for the vehicle itself — a rollover on I-75 or a tree limb through the windshield after a storm.
Hired and non-owned auto
Employees driving their own cars for work, or a rental picked up for a job. Often the gap small businesses don't know they have.
Medical payments / PIP
Florida is a no-fault state; PIP and med-pay options matter for drivers and passengers.
Full details on commercial auto →
What Ricardo will ask you for
Have these ready and the quote goes smoother. Don't have everything? Call anyway — Ricardo will tell you what actually matters for your situation.
- Business name, address and what you do
- Number and type of vehicles (year, make, model, VIN if handy)
- How each vehicle is used and the radius you operate in
- Driver list with license numbers and dates of birth
- Current carrier, premium and renewal date (if you have coverage now)
- Any filings or certificates you've been asked to provide
Common questions
Do you insure vehicles garaged in Sarasota?
Yes. Garaging location in Sarasota County is one of the first things underwriters rate on. Ricardo quotes commercial auto for vehicles based anywhere in the area.
Can I meet with you in person?
Ricardo's office is in Sarasota by appointment, and he works with Sarasota clients by phone and video. Most commercial auto quotes never require a visit.
How fast can I get a certificate for a Sarasota job?
Once the policy is bound, send Ricardo the certificate holder's details and he'll handle the request directly. Timing depends on your policy and the carrier.
Serving Sarasota and nearby
Ricardo is based in Sarasota and licensed statewide. Every step — quote, application, certificates — is handled by phone, video and email, so Sarasota clients get the same service as neighbors down the street.
Coverage availability, eligibility and pricing vary by carrier and are subject to underwriting. Nothing on this page guarantees a premium, savings, approval or coverage.