Tampa is the logistics hub of the Gulf Coast. Port Tampa Bay, the I-4 and I-75 interchanges, and a construction boom from Westshore to Brandon mean more work trucks, box trucks and hotshot rigs on the road than anywhere else in the region — and underwriters rate Hillsborough County accordingly. A quote that doesn't account for your actual radius, cargo and garaging in Tampa is a quote that will be wrong at claim time.
Ricardo quotes commercial auto for Tampa operators from one-truck contractors in Town 'n' Country to small delivery fleets running out of East Tampa. He knows the difference between a service van that never leaves the county and a flatbed that runs to Orlando twice a week, and he prices to it.
Coverage for Tampa 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 Tampa?
Yes. Garaging location in Hillsborough 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 Tampa clients by phone and video. Most commercial auto quotes never require a visit.
How fast can I get a certificate for a Tampa 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 Tampa and nearby
Ricardo is based in Sarasota and licensed statewide. Every step — quote, application, certificates — is handled by phone, video and email, so Tampa 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.