Commercial Truck Insurance Florida

Your Florida trucking business deserves a partner who understands local roads, regulations, and risks.
• Deep understanding of Florida's trucking industry and regulations
• Expert knowledge of state-specific cargo and liability requirements
• Customized coverage for Florida's unique weather-related risks
We go beyond basic coverage with specialized endorsements for Florida's unique risks. Our enhanced policies include hurricane preparedness support, cargo spoilage coverage for produce haulers, and specialized liability protection for hazmat transporters traversing the Everglades.
• Long-haul Trucking Companies: Interstate carriers need comprehensive coverage for liability, cargo, and equipment across state lines.
• Local Delivery Fleets: From Miami to Jacksonville, city-specific coverage protects against urban driving risks and cargo theft.
• Specialized Transporters: Citrus haulers, refrigerated truck operators, and hazmat carriers require tailored policies for their unique cargo.
• Owner-Operators: Independent truckers need flexible policies that provide personal and commercial protection on Florida's highways.

Let our local experts analyze your current coverage and identify potential gaps or savings for your business.
Comprehensive protection for Florida's trucking industry, addressing regional risks and regulatory requirements.

Commercial truck insurance in Florida averages $12,000 to $25,000 annually for owner-operators. However, your specific costs depend on several factors:
A history of accidents or claims, particularly in high-risk areas like Miami or Orlando, can significantly impact your premium.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
Commercial truck insurance in Florida typically includes liability coverage, physical damage coverage, cargo insurance, and non-trucking liability. Florida law mandates minimum liability coverage of $750,000 for interstate truckers. Additional coverages may include uninsured/underinsured motorist protection, medical payments, and rental reimbursement. Florida's unique climate also necessitates comprehensive coverage for hurricane and flood damage.
The cost of commercial truck insurance in Florida varies widely, ranging from $8,000 to $25,000 annually for a single truck. Factors affecting price include the type of cargo hauled, driving radius, driver experience, and claim history. Florida's high-risk driving environment, with its heavy tourism traffic and severe weather, can lead to higher premiums compared to other states. Multi-truck fleets may benefit from fleet discounts.
Yes, Florida has specific requirements for commercial truck insurance. Intrastate truckers must carry at least $300,000 in liability coverage. Interstate truckers need $750,000 to $5 million, depending on cargo type. Florida also requires all commercial vehicles to have Personal Injury Protection (PIP) coverage of at least $10,000. Additionally, truckers hauling hazardous materials must meet federal insurance requirements, which can be up to $5 million in coverage.
Florida's no-fault insurance system requires all vehicles, including commercial trucks, to carry Personal Injury Protection (PIP) coverage. This covers medical expenses and lost wages regardless of fault. However, commercial trucks still need substantial liability coverage as PIP limits are often quickly exceeded in serious accidents. The no-fault system can complicate claims processes, making it crucial for Florida truckers to have comprehensive insurance and legal support.
Several factors influence commercial truck insurance rates in Florida. These include the trucker's driving record, years of experience, and age. The type of cargo hauled is crucial, with hazardous materials requiring higher coverage. The truck's make, model, and value affect physical damage premiums. Florida's high-risk factors like dense traffic, frequent storms, and tourist-heavy roads can increase rates. Additionally, the radius of operation and annual mileage play significant roles in determining premiums.
Florida truckers can reduce insurance costs through several strategies. Implementing safety programs and technologies like dash cams can lower premiums. Maintaining a clean driving record is crucial. Choosing higher deductibles can lower monthly premiums. Some insurers offer discounts for experienced drivers or those with specialized safety training. Bundling multiple coverages or insuring a fleet with one provider can also lead to savings. Regular vehicle maintenance and adhering to Florida's strict trucking regulations can prevent accidents and keep premiums low.
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For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.