Trucking Insurance in Florida

Operating a Trucking Business in Florida

Operating a trucking business in Florida requires navigating a specialized regulatory environment. Whether you’re an owner-operator based in Miami, a fleet serving the agricultural heartland of the Everglades, or an interstate carrier moving goods through the I-10 corridor, meeting Florida's unique insurance requirements is vital.

Florida is a "no-fault" state, which adds a layer of complexity to commercial insurance. Beyond standard liability, Florida motor carriers must account for Personal Injury Protection (PIP) and weigh-based liability minimums that differ from federal standards for intrastate work. The state’s geography—from the massive Port of Miami to the high-traffic "I-4 corridor" connecting Tampa and Orlando—presents diverse risks including extreme seasonal weather and dense urban congestion. These factors influence both your insurance requirements and the coverage options available to protect your business from the "Sunshine State's" unique road hazards.

Our trucking insurance specialists work with carriers licensed to operate in Florida and understand the specific filings required by the Florida Department of Highway Safety and Motor Vehicles (FLHSMV). Whether you are hauling fresh produce or oversized construction equipment, we help you secure coverage that meets all state and federal requirements at competitive rates.