Commercial Truck Insurance in Florida

Commercial Truck Insurance in Florida

Rich Insurance Services places Florida trucking insurance for owner-operators and small fleets serving Miami, Fort Lauderdale/Port Everglades, West Palm, Orlando, Tampa Bay, and Jacksonville/JAXPORT. We shop multiple trucking markets so Florida carriers running I-95, I-75, and I-4 get competitive options and responsive certificates. From hotshot to intermodal, we align coverages with port badges, warehouse wording, and seasonal surge needs.

Core Coverages for Florida Motor Carriers

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Core Coverages for Florida Motor Carriers

Auto Liability & higher-traffic exposure on I-95 — Match limits to dense urban corridors and port entries; contracts often require $1M combined single limit. We’ll keep commercial auto liability aligned with shipper expectations.

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Physical Damage & storm considerations 

Choose deductibles and garaging plans with hurricane season in mind; coordinate comprehensive for wind, flood exclusions, and storage locations. If you stage in Tampa or along the Space Coast, plan for relocation triggers.

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Motor Truck Cargo

Electronics, produce, and medical shipments demand precise endorsements; add reefer breakdown options for summer heat so motor truck cargo reflects your real load values.

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Bobtail/NTL & HNOA

Yard moves, rentals, and off-dispatch driving create liability gaps; tailor both for South Florida terminals and Central Florida distribution hubs.

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Workers’ Comp & Occupational Accident

W-2 drivers need workers’ compensation; leased contractors benefit from Occ/Acc with medical and disability limits suited to Florida routes.

Florida Logistics & Regional Nuance

Ports and intermodal

Miami, Port Everglades, and JAXPORT require clean COIs and fast revisions; we issue same-day certificates with additional insured and waiver language when requested.

Storm-season planning

Review named-storm deductibles, storage locations, and downtime/rental options before June; align parked-vehicle protections for inland and coastal garaging.

Filings & contract language

We coordinate federal filings and help you interpret broker wording so onboarding moves quickly across South, Central, and North Florida.

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Service Areas Across Florida

Miami–Dade, Broward, Palm Beach, Tampa Bay, Orlando, Jacksonville, Space Coast, Southwest Florida, and the Panhandle—plus corridors along I-95, I-75, I-4, and US-27.

FAQs

Florida Truck Insurance

  • Is cargo theft covered?

    Theft is typically covered subject to policy terms; high-target items may need special limits or approvals.

  • Do shippers require $1M liability?

    Often yes—some cargoes or facilities ask for more or an umbrella.

  • Can new authority carriers get competitive rates?

    With strong driver records, realistic limits, and clear safety plans, many new ventures secure workable pricing; filings and COIs are handled promptly.

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Request a Florida Truck Insurance Quote

Get fast options and 24/7 COIs from a team that understands Florida terminals, storms, and heat-driven reefer risks.

Start Florida Quote