Primary Auto Liability
Protection for covered bodily injury and property damage arising from operation of eligible insured commercial vehicles.
Trucking Insurance in Florida
Specialized Coverage to Keep Your Trucking Business Moving.
We help eligible Florida owner-operators and trucking companies pursue competitive insurance options based on their equipment, drivers, commodities, radius and filing requirements.
Serving eligible trucking operations throughout Florida · English & Spanish
Trucking-specific guidance
Coverage for the road, the truck and the load
- Owner-operators and eligible fleets
- Equipment, commodity and radius review
- Liability, cargo and physical damage options
- Available federal and state filing assistance
More than commercial auto
Your trucking operation needs a specialized market review
A local dump truck, a long-haul tractor-trailer and an owner-operator under permanent lease do not create the same exposure. We review how the business operates, who has operating authority, what is hauled, where the units travel and what contracts require.
These details help us approach appropriate available trucking markets, pursue competitive options and explain important coverage conditions before you choose a policy.
Operations we may assist
Eligibility varies by insurer, operating authority, experience, equipment, commodities, radius, contracts and loss history.
Trucking coverage options
Protection tailored to your operation
We help identify the coverages commonly requested by regulators, brokers, shippers, leasing companies and lenders, subject to market eligibility and policy terms.
Motor Truck Cargo
Available protection for covered cargo while in your care, custody or control, based on commodities, limits and policy terms.
Physical Damage
Comprehensive and collision options for eligible tractors, trucks and trailers, subject to stated values and deductibles.
General Liability
Available protection for certain covered business-premises and operational exposures not arising from operation of an auto.
Trailer Interchange
Available physical damage protection for certain non-owned trailers in your possession under a qualifying interchange agreement.
Related Options
Non-trucking liability, hired or non-owned auto and other options may be available depending on authority, contracts and operations.
What shapes eligibility and price
Accurate trucking details help us find the right market
Trucking insurers evaluate the complete operation. Clear, accurate information helps reduce delays and prevents the quote from being based on assumptions that may change later.
- DOT and operating-authority status, years in business and experience
- Drivers, licenses, motor vehicle records and prior losses
- Power units, trailers, values, garaging and annual mileage
- Commodities, radius, states traveled, contracts and required filings
A practical quote process
Start with your operation, equipment and drivers
Our short request gathers the basics. We then contact you for the information and documents required by appropriate available trucking markets.
- 01
Describe the operation
Share authority status, commodities, radius, mileage, contracts and the type of trucking work performed.
- 02
Provide units and drivers
Send vehicle, trailer and driver information along with current coverage, loss history and requested limits.
- 03
Review eligible options
We explain available pricing, coverages, deductibles, filings and important conditions before you decide.
Trucking Insurance FAQ
Answers for Florida motor carriers
What trucking coverages may be available?
Depending on the operation and market, available options may include primary auto liability, physical damage, motor truck cargo, general liability, non-trucking liability, trailer interchange and other trucking-related coverages. Each coverage is subject to eligibility, limits, forms and exclusions.
Can you help owner-operators and trucking companies with fleets?
We can explore available options for eligible owner-operators, new ventures and established motor carriers with one or more power units. Eligibility depends on experience, drivers, equipment, commodities, radius, loss history and insurer guidelines.
What is motor truck cargo insurance?
Motor truck cargo insurance may protect covered property being transported for others against specified causes of loss. The appropriate limits and terms depend on the commodities hauled, contracts, destinations and policy exclusions.
Can you help with federal or state filings?
When available and required, the insurer may submit filings such as MCS-90-related federal proof or state filings after eligible coverage is bound. Filing availability and timing must be confirmed with the insurer.
What affects the cost of trucking insurance?
Pricing commonly reflects driver experience and records, equipment type and value, operating radius, garaging, commodities hauled, limits, years in business, prior coverage and loss history.
Can you insure dump trucks or local hauling operations?
We can explore markets for eligible dump trucks and local hauling operations. Insurers will review the materials hauled, jobsite exposure, radius, equipment, drivers and business experience.
What information is needed for a trucking quote?
We typically need the business and DOT information, vehicle VINs, driver details, garaging, radius, commodities, projected mileage and revenue, current coverage, loss runs and requested filings. Additional documents may be required.
Do you provide trucking insurance throughout Florida?
Yes. We assist eligible Florida trucking businesses from our West Palm Beach office, with service available in English and Spanish.
Trucking insurance quote