FR44 Insurance for Company Vehicles in Florida — 2026 Guide

If you need FR44 insurance and drive a company-owned vehicle in Florida, you’re in a uniquely complicated situation. Your employer’s commercial auto policy covers the vehicle — but it typically does NOT cover you as a high-risk driver with a DUI. This 2026 guide explains how FR44 works with company vehicles, employer notification requirements, and your options.

The Core Problem: Your FR44 Requirement vs Your Employer’s Insurance

The FR44 requirement is attached to your driver’s license, not your vehicle. This means:

• Your employer’s commercial auto policy covers the company vehicle — but you as a named driver may be excluded or surcharged
• The FR44 filing must be tied to a policy in YOUR name — your employer’s policy generally won’t file FR44 on your behalf
• If you’re excluded from the company policy due to DUI, you still need FR44 insurance to satisfy DHSMV, even if you only drive company vehicles

Scenario 1: You Drive a Company Car Exclusively (No Personal Vehicle)

If you drive a company-provided vehicle and do NOT own a personal vehicle, you need a non-owner FR44 policy. This provides liability coverage that follows you as a driver — including when driving the company car. However:

• Your employer’s commercial policy is primary for the vehicle (damage to the company car itself)
• Your non-owner FR44 is secondary liability coverage (for damage you cause to others beyond the company policy limits)
• Your employer MUST be informed of your DUI — the company insurer will likely discover it during routine driver checks
• Some employers have policies prohibiting employees with DUI from operating company vehicles

Scenario 2: You Drive Company Vehicles + Own a Personal Car

You need an owner FR44 policy for your personal vehicle, which also covers your liability when driving company vehicles. The personal FR44 policy provides:

• Primary liability coverage for your personal vehicle
• Secondary/excess liability coverage when driving a company vehicle
• Continuous FR44 filing with DHSMV regardless of which vehicle you’re driving

Employer Notification — What You Must Disclose

Driving a company vehicle with a DUI conviction and FR44 requirement raises legal and employment issues:

• Employment contract: Many employers require immediate notification of any license suspension or DUI conviction. Check your employee handbook
• Company insurance: Commercial auto insurers regularly run DMV checks on employees who drive company vehicles. Your DUI will likely be discovered
• CDL holders: DUI conviction carries additional CDL disqualification (1 year for first offense, lifetime for second). Your employer will be notified by the state
• Failure to disclose: Hiding a DUI that affects your ability to drive company vehicles can be grounds for termination and may void company insurance coverage in an accident

FR44 + CDL — The Double Penalty

If you hold a Commercial Driver’s License (CDL), a DUI triggers both FR44 and CDL consequences simultaneously:

• CDL disqualification: 1 year for 1st DUI (any vehicle), lifetime for 2nd DUI
• FR44 requirement: 3 years for your personal/non-owner policy, separate from CDL
• No CDL hardship exception: Unlike a regular license, there is no hardship or restricted CDL option during the disqualification period
• After CDL reinstatement: You still need FR44 for the remainder of the 3-year period — even if you only drive commercial vehicles professionally

FAQ: FR44 and Company Vehicles

Does my company’s insurance satisfy FR44?

Almost never. Company commercial auto policies cover the employer’s liability, not your individual DHSMV filing requirement. You need your own FR44 policy — either owner (if you have a personal car) or non-owner (if you only drive company vehicles).

Will my employer find out about my DUI through FR44?

The FR44 filing itself is confidential between your insurer and DHSMV — your employer does not receive notification of the FR44 specifically. However, your employer’s insurer runs periodic DMV checks on authorized drivers, which WILL reveal the DUI conviction and license status. The DUI — not the FR44 — is what your employer discovers.

Can I be fired for needing FR44 insurance?

Florida is an at-will employment state — an employer can terminate you for a DUI conviction, license suspension, or inability to be insured under their commercial auto policy. The FR44 itself is not grounds for termination, but the underlying DUI and its effect on your insurability may be.

Get FR44 insurance for your situation — personal or company vehicle. Call 1-800-229-7131 or get a free quote online.