Trucking Insurance in Florida
Explore commercial trucking insurance options for Florida owner-operators and trucking businesses. Learn about coverage choices and request a quote.
What is Trucking Insurance?
Trucking Insurance covers vehicle damage to trucks, bodily injury to drivers, and traveler medical costs. For their financial interests and to provide financial security in the case of a loss, trucking companies must have enough coverage. Obtaining funding for trucks and other assets is often necessary to operate lawfully. Please do not hesitate to contact us if you are the owner of a trucking company and have questions about the trucking insurance solutions available to safeguard your company's and your financial interests.
Coverage choices to discuss
- Primary auto liability: Injury and property damage you cause to others while hauling under your own authority.
- Motor truck cargo: Loss of or damage to the freight you haul.
- Physical damage: Collision and comprehensive for your own truck and trailer.
- Bobtail and non-trucking liability: Liability when the tractor is not under dispatch, often required by a lease.
- Starting a new authority: A checklist of what to arrange before you start hauling.
What to have ready for a quote
- Owner’s full name and email
- DOT number, if you have one
- Cargo type: dry freight, refrigerated, building materials, cars, or sand and gravel
- Local or interstate (long haul)
- Driver CDL number, date of birth and full name
- Truck and trailer year, make, model and VIN
- Liability and cargo limits you want
- Whether you want physical damage, and the value per unit
What can affect your premium
- Driving record and CDL experience
- Time in business and claims history
- Cargo type and how far you haul
- Age, type and value of the truck and trailer
- Liability and cargo limits, and deductibles
- Whether you run your own authority or lease on to a carrier
Trucking insurance questions
What does trucking insurance cover?
Trucking insurance covers vehicle damage to trucks and bodily injury to drivers, among other things. A full program is usually built from several coverages, such as liability, cargo and physical damage, matched to how and where you haul.
How much liability coverage do I need?
Federal minimums for for-hire interstate carriers of non-hazardous freight in vehicles of 10,001 lbs or more are $750,000, and higher for oil and certain hazardous materials. Many brokers and shippers ask for $1,000,000. Check current FMCSA rules and your contracts.
What is the difference between own authority and leased-on coverage?
Under your own authority you carry primary liability yourself. When leased on to a carrier, that carrier usually covers liability while you are dispatched and you often carry bobtail, physical damage or occupational accident coverage. Your lease agreement lists what you must carry.
What do I need to request a bobtail quote?
The policy name as shown on your lease, your DOT number if you have one, truck year, make, model and VIN, driver name, date of birth and CDL number, and a copy of your lease agreement.
How much does trucking insurance cost?
It varies with driving record, experience, cargo, radius, equipment and limits. Request a quote for numbers specific to your operation.
Is every coverage available to every applicant?
No. Availability depends on your operation and the carrier’s underwriting. Talk to our team about what fits your situation.