Commercial Trucking Insurance Florida

Florida is a key hub for freight and transportation, with thousands of commercial trucks moving goods across the state every day. Whether you're an owner-operator in Tallahassee or run a fleet in Miami, having the right commercial trucking insurance is not just a smart business move—it's required by law. 

Why Commercial Trucking Insurance Is Essential

Commercial trucking involves more risks than regular driving due to long hours on the road, high cargo values, and the potential for costly accidents. Insurance helps protect your business from financial ruin in the event of:

  • Traffic accidents

  • Cargo loss or damage

  • Bodily injury claims

  • Property damage

  • Legal defense costs

In Florida, commercial truck drivers are also subject to both state and federal insurance requirements, especially if operating across state lines.

Types of Commercial Trucking Insurance Coverage in Florida 

There are several types of policies you may need to consider, depending on your operations:

1. Primary Liability Insurance

This is mandatory by law. It covers bodily injury and property damage to others if you're at fault in an accident. The Federal Motor Carrier Safety Administration (FMCSA) requires at least $750,000 in liability coverage for most interstate trucking.

2. Physical Damage Coverage

This covers repair or replacement of your truck in case of damage from accidents, weather, vandalism, or theft. It typically includes:

  • Collision coverage

  • Comprehensive coverage

3. Cargo Insurance

Covers the goods you are hauling. While not always legally required, many freight brokers and clients require proof of this coverage. Typical limits range from $100,000 to $250,000, depending on what you’re transporting.

4. Bobtail or Non-Trucking Liability

Provides coverage when your truck is being driven without a trailer or not under dispatch.

5. Workers’ Compensation

If you have employees, Florida law may require you to carry workers' comp to cover injuries sustained while on the job.

6. General Liability Insurance

Protects your business from non-driving related incidents, such as accidents at your business location, customer injuries, or reputational harm.

Florida-Specific Regulations & Requirements For Commercial Truck Insurance

In Florida, truckers must comply with both state and federal regulations. The Florida Department of Transportation (FDOT) and Department of Highway Safety and Motor Vehicles (FLHSMV) may have additional rules depending on vehicle weight, distance traveled, and cargo type.

Florida-based trucking businesses must also file proper proof of insurance with the state or face penalties, including suspension of operations.

Operating a commercial trucking business in Florida comes with unique risks and responsibilities. Having the right insurance coverage isn’t just a regulatory requirement—it’s your financial safety net. We can help you understand the types of coverage available and pick the company and policy that best fits your needs.   We've love to help!   (904) 593-7002