Florida Big Rig Insurance Affordable Coverage Available

Everyday Florida truckers come to our big rig insurance brokers for quick help (855) 826-0321.


Florida Big Rig Insurance Brokers go the extra mile to get the best quotes and provide top notch service to all our customers.
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Explore your options for affordable FL Big Rig Semi coverage, FL box trucks as well as light delivery trucks or vans (855) 826-0321.

Big Rig Insurance in the state of Florida.


>Click here to get your free Florida Big Rig Truck Insurance Quote<


Big Rig Insurance Florida Brokers have most any type of bonds needed for your trucking brokerage or freight forwarder operation please visit our bond search and bind facility located here BOND SEARCH

Call us today to get complete Florida trucking for hire coverage as fast as possible 855-826-0321. Reliable and affordable all inclusive policies. Call us for you best rates for your for FL commercial truck insurance. Count on us for delivering unparalleled customer service to meet your load hauling needs.



Auto Liability
Motor Truck Cargo Coverage
Commercial General Liability
Medical Payments
Uninsured Motorist
Underinsured Motorist
Personal Injury Protection (PIP)
Owned Auto
Non-Owned Auto
Hired Auto
Collision Coverage
Comprehensive Coverage
Trailer Interchange

When it comes to operating commercial vehicles, state laws can vary. This is why it is important to understand the requirements for trucking in the particular state you are operating in. In this document, we will provide an overview of insurance requirements in Florida for commercial trucks.

What is Commercial Truck Insurance?
Commercial truck insurance provides protection to those operating commercial vehicles such as vans, pickup trucks, tractor trailers, and other larger vehicles. It is designed to protect against accidents and other financial losses that may be incurred when the vehicle is being used for business purposes. Coverage typically includes liability coverage, physical damage coverage, medical payments, and cargo coverage. Liability coverage helps protect a trucker from lawsuits or other claims if they are found liable for injury or property damage resulting from an accident. Physical damage coverage pays for repairs or replacement of commercial motor vehicles that are damaged as a result of an accident. Medical payments coverage pays for medical expenses resulting from accidents such as ambulance fees and hospital bills. Lastly, cargo coverage helps cover losses due to damage or theft of goods being transported by the trucker.

Florida Commercial Truck Insurance Requirements
All drivers operating commercial vehicles in Florida must carry a minimum amount of liability coverage which includes bodily injury and property damage. To be valid, this coverage must be written by an authorized insurer in the state of Florida or by a surplus lines insurer licensed by the Florida Office of Insurance Regulation. The minimum required coverage limits are $10,000 per person for bodily injury and $20,000 per accident for property damage.

Additionally, drivers must have proof of financial responsibility. This will typically take the form of an insurance policy or bond issued by an authorized insurer in the state of Florida or by a licensed surplus lines insurer.

Uninsured/Underinsured Motorist Coverage
Uninsured/Underinsured Motorist (UM/UIM) coverage protects a person who is injured in an accident caused by an uninsured driver or one who does not have enough insurance to cover the damages incurred. This coverage is required for all commercial vehicles registered in the state of Florida and must include at least $25,000 per person and $50,000 per accident for bodily injury protection. It also must include at least $10,000 for property damage coverage.

Physical Damage Coverage
Physical damage coverage is optional, but strongly advised for most commercial vehicles operating in Florida. This type of coverage pays to repair or replace a damaged vehicle after an accident. This type of coverage typically comes in three parts: collision coverage, comprehensive coverage, and auto glass repair or replacement coverage.

Collision Coverage – Collision coverage pays for repairs to your vehicle if it is damaged as a result of colliding with another vehicle or object either on the ground or in the air such as a tree branch or pole. This type of coverage typically has a deductible associated with it, e.g., if you choose a deductible of $1,000 then you would only be responsible for paying $1,000 out-of-pocket before the insurance would begin to cover your expenses after an accident that involved collision.

Comprehensive Coverage – Comprehensive coverage pays for repairs to your vehicle if it is damaged due to something other than a collision such as theft, fire, hail, water damage, windstorm, vandalism, etc. Like collision coverage, this type of insurance also typically includes a deductible associated with it.

Auto Glass Repair or Replacement Coverage – As its name implies, this type of coverage pays for repairs or replacement of broken glass on your vehicle such as windshields and side windows.

Cargo Coverage
Cargo coverage is also recommended and may be required depending on the amount of cargo being transported by the trucker. This type of coverage helps protect against financial loss due to cargo being lost or damaged while moving within Florida or across state lines. The amount and type of cargo you transport will determine how much cargo insurance you will need; some considerations include the value of goods being transported and any special requirements enforced by the shipper.

General Liability Insurance
Though General Liability Insurance is not required by the state, it is recommended that all commercial truckers carry some form of it to help pay for legal defense costs if necessary as well as any judgments awarded against them in court as a result of accidents or other incidents involving their trucking business. The specific amount of general liability insurance needed depends on both the type and scale of commercial trucking operations being conducted and should be determined in consultation with an insurance broker or agent who can provide advice tailored to meet your individual needs and budget requirements.

Understanding the requirements for commercial trucking operations in the state of Florida can help protect you and your business against potential financial losses resulting from accidents or other incidents involving your trucks while operating within the state’s borders. All drivers operating commercial vehicles in Florida must carry a minimum amount of liability coverage and also have proof of financial responsibility such as an insurance policy or bond issued by an authorized insurer in the state or a licensed surplus lines insurer. Additionally, most truckers should strongly consider purchasing uninsured/underinsured motorist (UM/UIM), physical damage (collision/comprehensive), and cargo insurance to fully protect their business interests from big financial losses should any mishaps occur while on the road.

Below are the classifications of commercial big rig trucking policies.

• Symbol 1 – Any auto, don’t have to schedule them. Covers any auto as long
as the insured is using it. (This is rare nowadays especially for Big Rig Trucks))

• Symbol 2 – Any owned auto. Covers only autos that the insured owns.
Includes autos you acquire ownership of after the policy begins.

• Symbol 3 – Owned private passengers autos only. Covers private passenger
autos. Includes autos you acquire after the policy begins.

• Symbol 4 – Owned autos other than private passenger autos only. Covers only
those autos you own that are not private passenger and for liability for trailers
you don’t own while attached to power units you own. Includes those autos
not of the private passenger type you acquire after the policy begins.

• Symbol 5 – Owned autos. Subject to No Fault State.

• Symbol 6 – Owned autos. Subject to Compulsory Uninsured Motorist Law.
Form you attach when the state requires and insured can not reject uninsured
motorist coverage. It includes autos you acquire during the policy period after
the policy begins.

• Symbol 7 – Specifically described autos. Covers only described autos.
Coverage follows power unit. Non owned trailers have liability with this form. (Most common for Florida Big Rig, Box Trucks and other For-Hire operations)

• Symbol 8 – Hired Auto Only. Covers auto you lease, hire, rent or borrow.
This does not include any auto you lease, hire, rent or borrow from any of your
employees, partners or members, etc.

• Symbol 9 – Non-Owned Autos Only – Coverage auto you do not own, lease,
hire, rent or borrow that are used in connection with your business. Includes
auto owned by your employees, partners, members, etc.

We can easily insure the following Florida business types.

>Click here to get your free Florida Big Rig Truck Insurance Quote<


Florida Heavy Construction Contractors-
SIC Code-1622-Bridge, tunnel, & elevated highway construction
SIC Code-1629-Heavy construction
SIC Code-1611-Highway & street construction
SIC Code-1623-Water, sewer, & utility lines

Florida Petroleum & Coal Products-
SIC Code-2952-Asphalt felts & coatings
SIC Code-2951-Asphalt paving mixtures & blocks
SIC Code-2992-Lubricating oils & greases
SIC Code-2999-Petroleum & coal products
SIC Code-2911-Petroleum refining

Florida Special Trade Contractors-
SIC Code-1751-Carpentry work
SIC Code-1771-Concrete work
SIC Code-1731-Electrical work
SIC Code-1794-Excavation work
SIC Code-1752-Floor laying & floor work
SIC Code-1793-Glass & glazing work
SIC Code-1796-Installing building equipment
SIC Code-1741-Masonry & other stone work
SIC Code-1721-Painting & paper hanging
SIC Code-1742-Plastering, drywall, & insulation
SIC Code-1711-Plumbing, heating, air-conditioning
SIC Code-1761-Roofing, siding, & sheet metal work
SIC Code-1799-Special trade contractors
SIC Code-1791-Structural steel erection
SIC Code-1743-Terrazzo, tile, marble, mosaic work
SIC Code-1781-Water well drilling
SIC Code-1795-Wrecking & demolition work

Big Rig Insurance Florida Transportation Equipment-
SIC Code-3724-Aircraft engines & engine parts
SIC Code-3721-Aircraft
SIC Code-3728-Aircraft parts & equipment
SIC Code-3732-Boat building & repairing
SIC Code-3761-Guided missiles & space vehicles
SIC Code-3751-Motorcycles, bicycles, & parts
SIC Code-3716-Motor homes
SIC Code-3714-Motor vehicle parts & accessories
SIC Code-3711-Motor vehicles & car bodies
SIC Code-3743-Railroad equipment
SIC Code-3731-Ship building & repairing
SIC Code-3764-Space propulsion units & parts
SIC Code-3769-Space vehicle equipment
SIC Code-3795-Tanks & tank components
SIC Code-3799-Transportation equipment
SIC Code-3792-Travel trailers & campers
SIC Code-3713-Truck & bus bodies
SIC Code-3715-Truck trailers
_ _
Florida Transportation Services-
SIC Code-4731-Freight transportation arrangement
SIC Code-4785-Inspection & fixed facilities
SIC Code-4783-Packing & crating
SIC Code-4729-Passenger transport arrangement
SIC Code-4741-Rental of railroad cars
SIC Code-4725-Tour operators
SIC Code-4789-Transportation services
SIC Code-4724-Travel agencies
_ _
Big Rig Insurance Florida Trucking & Warehousing-
SIC Code-4215-Courier services, except by air
SIC Code-4221-Farm product warehousing & storage
SIC Code-4225-General warehousing & storage
SIC Code-4212-Local trucking, without storage
SIC Code-4214-Local trucking with storage
SIC Code-4222-Refrigerated warehousing & storage
SIC Code-4226-Special warehousing & storage
SIC Code-4213-Trucking, except local
SIC Code-4231-Trucking terminal facilities

Big Rig Insurance Florida for Wholesale Trade – Nondurable Goods-
SIC Code-5181-Beer & ale
SIC Code-5192-Books, periodicals, & newspapers
SIC Code-5169-Chemicals & allied products
SIC Code-5145-Confectionery
SIC Code-5143-Dairy products, exc. dried or canned
SIC Code-5122-Drugs, proprietaries, & sundries
SIC Code-5159-Farm-product raw materials
SIC Code-5191-Farm supplies
SIC Code-5146-Fish & seafood’s
SIC Code-5193-Flowers & florists’ supplies
SIC Code-5139-Footwear
SIC Code-5148-Fresh fruits & vegetables
SIC Code-5153-Grain & field beans
SIC Code-5149-Groceries & related products
SIC Code-5141-Groceries, general line
SIC Code-5113-Industrial & personal service paper
SIC Code-5154-Livestock
SIC Code-5147-Meats & meat products
SIC Code-5136-Men’s & boys’ clothing
SIC Code-5199-Nondurable goods
SIC Code-5142-Packaged frozen foods
SIC Code-5198-Paints, varnishes, & supplies
SIC Code-5171-Petroleum bulk stations & terminals
SIC Code-5172-Petroleum products
SIC Code-5131-Piece goods & notions
SIC Code-5162-Plastics materials & basic shapes
SIC Code-5144-Poultry & poultry products
SIC Code-5111-Printing & writing paper
SIC Code-5112-Stationery & office supplies
SIC Code-5194-Tobacco & tobacco products
SIC Code-5182-Wine & distilled beverages
SIC Code-5137-Women’s & children’s clothing

Is your Florida commercial trucking for hire operation ready to haul loads?

To check whether your FMCSA operating authority has been issued(granted) or not do this,

  • Go to the SAFER website
  • See bold heading “FMCSA Searches”
  • Click on “Licensing & Insurance”
  • Enter MC Number or USDOT Number in the appropriate box and click “search”
  • Click “HTML”
  • Scroll to bottom and click on “Authority History.” This page will display the granted date of the operating authority

We offer expert help and quality big rig insurance in the following counties in FL.
Alachua County, Baker County, Bay County, Bradford County, Brevard County, Broward County, Calhoun County, Charlotta County, Citrus County, Clay County, Collier County, Columbia County, Dade County, De Soto County, Dixie County, Duval County, Escambia County, Flagier County, Franklin County, Gadsden County, Gilchrist County, Glades County, Gulf County, Hamilton County, Hardee County, Hendry County, Hernando County, Highlands County, Hillsborough County, Holmes County, Indian River County, Jackson County, Jefferson County, Lafayette County, Lake County, Lee County, Leon County, Levy County, Liberty County, Madison County, Manatee County, Marion County, Martin County, Miami-Dade County, Monroe County, Nassau County, Okaloosa County, Okeechobee County, Orange County, Osceola County, Palm Beach County, Pasco County, Pinellas County, Polk County, Putnam County, Saint Johns County, Saint Lucie County, Santa Rosa County, Sarasota County, Seminole County, Sumter County, Suwannee County, Taylor County, Union County, Volusia County, Wakulla County, Walton County, Washington County,