Motor Carrier Insurance

Operating a trucking business in Florida comes with its own unique challenges, whether it's navigating the busy ports of Jacksonville or managing the state's unpredictable weather. If you're operating under your own authority or manage a fleet, having the right Florida motor carrier insurance is essential.

Not only is it a legal requirement. It's the foundation of your business's financial security.

We help clients secure the motor carrier insurance packages they need to operate with confidence.

Call us at 702-888-3852 today for a quote.

For-hire motor carriers must carry specific insurance plans to maintain their authority. In Florida, these regulations are governed by both state and federal regulations.

Standard policies generally cover:

• Primary Auto Liability: The foundation of your policy. It covers bodily injury and property damage to third parties if you or one of your drivers is at fault for an accident. Florida's minimum requirements are based on the type of cargo and weight of the vehicle.
• Personal Injury Protection (PIP): Florida is a no-fault state, so all motor carriers are required to carry PIP. This covers 80% of medical costs and 60% of lost wages for the driver, regardless of who is at fault for the accident.
• Property Damage Liability: Standard policies must also include this insurance to cover damage to other people's property.

Along with standard policies, there are additional coverage options you can purchase to bridge the gaps in your policies. Often, standard policies are designed to protect third parties. But what about your truck, cargo or your business?

To truly safeguard your livelihood, consider these add-ons:

• Motor Truck Cargo Insurance: Shippers and brokers will almost always require this coverage. It protects the freight you haul from damage or theft while in transit.
• Physical Damage Insurance: Protects your vehicle against collision and non-collision events, such as theft, fire, vandalism and weather-related incidents.
• General Liability: Covers off-road risks, such as someone slipping and falling at your terminal or damage to a delivery dock caused by one of your drivers.
• Uninsured/Underinsured Motorist: Protects you if you get into an accident with a driver without adequate insurance. It covers repairs and injuries.
• Trailer Interchange: Must-have coverage if you regularly haul trailers that are owned by others. It covers damage and repairs to non-owned trailers.
• Non-Trucking Liability (NTU): NTU covers you when you're using your truck for personal reasons, like driving home or running errands.

There may be other coverages that your business can benefit from. Our experienced agents will explain all of your options and build a policy that bridges gaps in your coverage.

To protect your Florida trucking business, you need more than just a cookie-cutter policy. You need a partner who understands the local landscape and regulatory hurdles that are unique to the Sunshine State.

Clients trust us because we offer:

• Local expertise. We understand the nuances of Florida's insurance laws and specific filing requirements needed to comply with regulations and operate legally.
• Tailored solutions. Whether you haul agricultural products from the Everglades or hazardous materials to the coast, we customize your policy and limits to match your risk profile and cargo.
• Dedicated support. Our experienced agents are here to help you navigate the complicated insurance landscape. Whether it's handling claims or reviewing your policy as your fleet grows, we are committed to helping you protect your business and its financial future.

Don't leave your business up to chance. Call us today to get a quote and learn more about our insurance options.