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Florida Commercial Truck Insurance

Transportation Coverage Options

Truckers Insurance Florida This is an example of the types of truckers insurance we offer. We cover many more types. Just contact us to get started today
  • Auto or Boat Hauling
  • Dry Van or Box
  • Dump Truck Insurance Florida
  • Farm to Market
  • Fruit & Produce Hauler
  • Intermodal
  • Log Trucks
  • Movers Household Goods / Office
  • Salvage Haulers
  • Drive Away Contractors
  • Dump Trucks
  • Flatbed Operations
  • Gasoline & Fuel Transporter
  • Livestock
  • Mobile Home Toters
  • Non Trucking Liability
  • Wholesalers & Manufacturers
  • Fleet Operations
  • Owner Operators
  • AND MORE > Contact us for details
Truckers Insurance Florida Truck Insurance Florida Motor Truck Cargo When your products are being shipped from manufacturer to marketplace, it is important to ensure they are fully protected from departure to arrival. Cargo insurance provides financial assistance should cargo be damaged or lost when travelling by land, sea or air. It can also limit a commercial operation’s exposure to liability resulting from the shipment of products. Coverage Details and Features
  • Flexible limits to meet all needs
  • Package and monoline policies available
  • Refrigeration coverage
  • Breakdown coverage
  • Loading and unloading
  • Rigging exposures
  • Interstate and intrastate filings available
  • Nationwide coverage available
  • Coverage for household goods movers
Truckers Insurance Florida Truck Insurance Florida General Laibility On average there are over 10 million motor vehicle accidents in the US every year. The damages caused by these accidents cost upwards of $230 billion annually, or an average of $820 per person. Without the proper insurance in place, your clients can be exposed to costly repairs and litigation fees if involved in an accident. Excess Auto Coverage protects your clients against financial loss resulting from legal liability for automobile-related injuries to others or damage to property. Auto Liability Coverage has flexible limits to satisfy all needs and provides the additional primary liability necessary to meet the minimum attachment point for personal umbrella policies. Coverage Details and Features
  • Physical damage
  • General liability
Truckers Insurance Florida On Hook Tow Truck Insurance Florida Tow truck drivers are responsible for moving damaged or stalled vehicles safely and securely without causing any additional damage. If a customer’s vehicle is damaged by a collision, fire, theft, explosion or vandalism while under tow, towing operators can be held liable for replacement and repair costs. To protect operations, towing companies need the proper insurance to limit the exposures associated with hauling vehicles owned by customers or another party. On-Hook coverage provides coverage for your auto service clients who tow or haul vehicles. As a leading provider of wholesale insurance, we has the expertise and knowledge to help you design coverage specific to the unique exposures of the auto services industry.
Truckers Insurance Florida Truck Insurance Florida Physical Damage Generally physical damage to an automobile results from colliding with another object or the overturning of the vehicle. However, fire, explosion, theft, vandalism, malicious mischief, windstorm, hail, earthquake or floods can also cause physical damage to commercial vehicles. To limit the exposure to costly repairs, physical damage insurance can be tailored by specific peril or named peril coverage. Coverage Details and Features Details
  • Can handle a large range of accounts
  • Monoline or stand-alone policies available
  • Flexible deductibles
  • Combined deductibles available on packages
  • Packages Available with Motor Truck Cargo and/or Auto Liability
  • Reporting form options available for larger accounts
  • In select cases, interest free payment plans available
  • Admitted and non-admitted policies available
  • Coverage varies by risk and need
Additional coverages available with select carriers
  • Downtime loss of expense coverage
  • Electronic equipment coverage
  • Loan or lease gap coverage
  • Towing coverage options available
  • Diminishing deductible
  • Personal effect coverage
  • On board expendable supplies
Target Classes (including but not limited to)
  • For Hire Truckers
  • Not For Hire Truckers
  • 100 Mile Radius Truckers
  • 300 Mile Radius Truckers
  • 500 Mile Radius Truckers
  • Unlimited Mile Radius Truckers
  • Long Haul Trucking Operations
  • Intermediate Trucking Operations
  • Specialty Classes Select Commercial Auto Fleets For Hire Truckers Not For Hire Truckers 100 Mile Radius Truckers 300 Mile Radius Truckers 500 Mile Radius Truckers Unlimited Mile Radius Truckers Long Haul Trucking Operations Intermediate Trucking Operations Local Trucking Operations
  • Bobtail
  • Non-Trucking
  • Grain Haulers
  • Agricultural Products (Grains, Produce, General Farm Freight)
  • Farm Equipment
  • Farm Vehicles
  • Fertilizer (Bagged, Bulk, Liquid)
  • Horse Haulers
  • Livestock Haulers
  • Milk Haulers
  • Lumber Haulers
  • Logging Trucks
  • LPG Haulers
  • Lumber Yards
  • Wood Chip Delivery
  • Produce Haulers
  • Pulp Wood
  • Dirt, Rock, Sand, Or Gravel
  • General Aggregate Products
  • Hay Haulers
  • Asphalt And Paving
  • Cement Or Ready Mix
  • Contaminated Dirt Or Dirty Dirt
  • Contractors’ Equipment
  • Construction Equipment
  • Heavy Equipment
  • Machinery
  • Heavy Haul
  • Building Supplies
  • Pre-Fabricated Buildings
  • Pre-Fabricated Concrete
  • Ready Mix Operations
  • Pallet Haulers
  • Pipe Haulers
  • Food Delivery
  • Wholesale Food Distribution
  • Dry Food Products
  • Refrigerated Products
  • Dry Freight
  • Milk Haulers
  • Liquid Food Products
  • Seafood Delivery
  • Crude Oil Haulers
  • Water Haulers (Including Fracking)
  • Contaminated Dirt Or Dirty Dirt
  • Diesel Fuel Hauler
  • Gasoline Hauler
  • Chemical Haulers
  • Jet Fuel Haulers
  • Coal Haulers
  • Butane Hauler
  • Propane Hauler
  • Fertilizer (Bagged, Bulk, Liquid)
  • Fracking Liquids
  • Hazardous Waste Haulers
  • Home Heating Oil
  • Fuel Haulers
  • Garbage Haulers
  • Waste Oil
  • Waste Disposal
  • Tank Trucks
  • Recycled Grease Or Oil
  • Recyclables
  • Oil Filled Equipment Haulers
  • Scrap Metal
  • Lab Waste Haulers
  • Medical Waste Haulers
  • Bio Hazard Haulers
  • Medical Equipment Haulers
  • Pharmaceuticals
  • Auto Transport
  • Auto Parts Haulers
  • Boats
  • Car Carriers
  • Motorcycles, Mopeds, Scooter Haulers
  • Mobile Home Totter
  • Container Haulers
  • Containerized Freight
  • Dump Truck Operations
  • Explosive Hauler
  • Furniture Delivery
  • Household Goods Movers
  • Hazardous Goods
  • House Movers
  • Bulk Liquid Haulers
  • Metal Dealers
  • Metal Transporters
  • Mining Equipment
  • Office Equipment Haulers
  • Paper Products
  • Retail Delivery
  • Steel Haulers
  • UIIA Hauler
  • Wholesale Delivery
Physical Damage Insurance provides coverage for large fleets to small vehicles. As a leading provider of wholesale insurance, we can provide access to unique coverage tailored to the needs of each of your clients to protect them from financial damages resulting from claims related to their business operations
Truckers Insurance Florida With nearly 3.5 million professional truck drivers on the road in the United States, it is essential that the right insurance coverage is in place. For your long-haul or for-hire trucker clients, their career on the road exposes their vehicles to risk of costly damage or repairs. Truckers General Liability insurance covers accidents in parking lots, rest stops, and while loading or unloading. It can also cover risks like theft and vandalism. Truckers General Liability Coverage can provide access to coverage for businesses whose operations involve the transportation of goods. Our specialty insurance experts  Transportation Center of Excellence can help underwrite the difficult-to-place transportation risks including long-haul trucking accounts.

Coverage Details and Features


  • Available coverages vary by class
  • Stop Gap coverage
  • Employee Benefits coverage
  • Coverage extension for Loading and Unloading
  • Mis-delivery of products coverage
  • Blanket additional insured
  • Waiver of subrogation


  • Monoline policies available
  • Package policies available
  • Excess layers available
  • Composite rate available for select accounts
  • Admitted and non-admitted policies available

Target Classes

(including but not limited to)
  • Flatbeds
  • Dump Trucks
  • Tank Trucks
  • Refrigerated Trucks
  • Dry Vans
  • Containerized Freight

Truckers Insurance Florida

Coverage Details and Features

  • Auto Liability Coverage
  • Auto Physical Damage
  • Motor Truck Cargo
  • General Liability
  • Excess Liability
  • $1,000,000 limit - excess coverage upon request
  • No limit for cargo
(including but not limited to)
  • Asphalt Haulers
  • Dirt Haulers
  • Contaminated Dirt Haulers
  • Sand Haulers
  • Gravel Haulers
  • Coal Haulers
  • Scrap Metal Haulers
  • Grain Haulers
  • All Aggregate Products
  • Landscaping Excavating Services
  • For-Hire Operations
  • Local Radius Operations (0 - 300 Miles)
  • Non-Fleet Or Fleet Risks
Truckers Insurance Florida Truck Insurance Small Fleets Large Fleets Owner Operator Coverage Details and Features Features
  • Diminishing/Combined deductibles
  • Broad Form Pollution
  • Reporting Form/Composite Rate Options
  • Downtime Expense Coverage
  • Towing
  • Gap coverage
Available Coverages
  • Automobile Liability Coverage
  • Uninsured/Underinsured Motorists
  • Medical Payments
  • Personal Injury Protection
  • Physical Damage Coverage
  • Commercial Inland Marine
  • Hired and Non-Owned
  • Excess Umbrella
  • General Liability
  • Non-Trucking/Bobtail
  • Contingent Cargo
  • On-Hook/In-Tow Coverage
Target Classes (including but not limited to)
  • Non-Fleet Or Fleet Risks
  • Not-Hire/Private/Exempt/Non-Exempt Carriers
  • Local Radius
  • Intermediate Radius
  • Long Haul Radius
  • Dry Van/General Commodities
  • Refrigeration Breakdown
  • Flatbed
  • Tanker
  • Oversize/Overweight
  • Auto Haulers
  • Dump Risks
  • Household Goods Movers
  • Tow Trucks/Wreckers
  • Hazmat
Truckers Insurance Florida Florida Commercial Truck Insurance Liability Requirements The minimum amount of primary liability insurance is set by the FMSCA. For trucks over 10,000 pounds GVWR you’ll need to the following minimums:
  • $750,000–  Most trucks hauling most commodities are required to have a minimum of $750,000 of coverage. Many load brokers will require a minimum of $1,000,000.
  •  $1,000,000– Auto haulers need a minimum of $1,000,000 in coverage. One million in coverage is becoming an industry standard across other hauled commodities too.
  • $5,000,000– If you are hauling certain hazardous materials, you’ll need a minimum of $5,000,000 in coverage.
Truckers Insurance Florida Truck Insurance Florida Federal Filings
  • Interstate trucking
  • Hauling hazardous cargo (placard)
  • For-hire trucking (common, contract)
  • For-hire passenger transportation
Truckers Insurance Florida Freight forwarders and Freight Agencies Insurance Description of operations: Freight forwarders and freight agencies organize the shipment of freight from its initial pickup at the shipper's location through final delivery at the receiver's location. Transportation of the cargo from point to point can include various modes of transportation such as trucks, railroads, aircraft and watercraft, with warehousing at some point along the route. Freight forwarders may combine shipments from several customers into one. Services may be limited to domestic shipments or include international operations.
Truckers Insurance Florida Truck Insurance Florida Garbage Collectors Description of operations: Garbage collectors pick up trash from residential and/or commercial customers along established routes and transport it to an approved landfill. Some operate under a contract with a municipality where the municipality provides the vehicles and the collection firm supplies the labor, including supervision. Some contract with businesses and residents or a governmental entity, and use their own employees and vehicles to deposit trash at a landfill owned by others. Still others provide complete services for municipalities, including vehicles, personnel and landfill operations. This narrative does not discuss landfill operations.
Truckers Insurance Florida Moving Company Insurance Florida Description of operations: Furniture movers are trucking operations that transport furniture and household goods from the initial loading and pickup at the customer's old premises to final delivery and unloading at their new premises. Most furniture movers assist in the packing and unpacking for customers who are relocating. Many have warehouse facilities for both temporary and long-term storage of goods. Furniture movers may be local or operate on a regional or national basis.
Truckers Insurance Florida Description of operations: Truckers transport cargo from its initial loading and pickup at the shipper's location to final delivery and unloading at the receiver's location. The cargo can include raw materials, work in process, and finished goods. The trucker may assist customers in the packing and unpacking of freight. Many trucking companies have warehouse facilities for both temporary and long-term storage of customers' goods. While some truckers transport freight to the same destinations over and over, others transport single shipments to a particular destination. The trucking industry is regulated by a number of federal agencies.
Truckers Insurance Florida Although sometimes used interchangeably, Primary Liability Insurance is different. Primary Liability covers damage done by your truck or vehicle. General Liability Insurance protects your business from litigation arising from various other circumstances in the course of day-to-day operation. General Liability Insurance covers your business in the event of damage being caused by day-day-operations and if your company is taken to court for any kind of liability. Primary Liability Insurance covers the damages to people or property caused directly by your truck/s. If you cause an accident that injures or even kills another person, the bodily injury portion of your Primary Liability Insurance will pay for the related expenses. If you cause an accident that damages another person’s property, the property damage portion of your Primary Liability Insurance will pay for those expenses.
Truckers Insurance Florida A term coined to apply to auto liability coverage for an owner/operator after a load has been delivered and while the truck is not being used for trucking purposes. This usually occurs when an owner/operator is operating his or her vehicle for mobility only (e.g., on the way home), and not in the course of transporting property for the motor carrier under whose operating authority they haul, and on whose liability policy they depend while they are engaged in trucking. The method of providing what is known as bobtail liability is a business auto policy (BAP) with the Truckers—Insurance for Non-Trucking Use endorsement (CA 23 09) attached source: irmi.com
Truckers Insurance Florida FMCSA or the Federal Motor Carrier Safety Adminstration only requires $750,000. However, most shippers and brokers require $1,000,000 to load your truck. It is a good idea to check with those you will hauling for to confirm their requirements. Then the most common request is $100,00 for cargo.

Florida Commercial Truck Insurance

Truckers Insurance Consultation

  • Call or Text - 305-240-1266 to speak with an agent
  • Please tell us the best time to call. For example: Right away. This afternoon after 5pm. In the morning at 9am. We will call you based upon your schedule. Just let us know.
  • Please give an overview of what uou are doing? What you may need? If you are unhappy about your current coverage, if you have a policy in place. The better overview of your needs will help our truckers insurance agents to respond faster and with the answers to your questions.