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Florida Commercial Truck Insurance

Trucking Ins. Coverages

Florida Semi Truck InsuranceFlorida and the FMCSA have specific insurance requirements for semis. If you have your own authority, some coverages are mandatory, like primary liability. If you are a for-hire owner operator, you may be looking for physical damage truck insurance, bobtail coverage, and non trucking liability.

No matter what type of coverage your operation needs.


Florida Truck Insurance Requirements

Florida state law requires local truck drivers and new ventures to keep a certain amount of liability insurance. The amount you need is determined by what freight you pull and where you haul it. If you don’t cross state lines and your truck is over 26,000 GVW, you must get an intrastate only USDOT Number and be insured up to the following levels:

$1,000,000 Liability Insurance (Oil Transport)
$5,000,000 Liability Insurance (Hazmat)
$300,000 Liability Insurance (Household Goods)
$750,000 Liability Insurance (General Freight)

The insurance requirements for truck drivers who travel out-of-state are more detailed. In addition to the above, you must be in compliance with all the DOT truck insurance requirements laid out by the FMCSA. Most federal liability limits are between $750,000 and $1,000,000.

Both Florida and the FMCSA require certain filings be submitted by your insurance agent. Your insurance agent or insurance company should take care of these filings for you. These forms show the government that all your semi truck insurance requirements are fulfilled. They must be submitted before you can receive your authority. Some common forms include:

  • Form E
  • Form H
  • The BMC-92
  • Form MCS-91


No matter what city you live in our network of Florida truck insurance brokers are ready to give you a quote. We cover all cities including…

  • Miramar
  • Coral Springs
  • Clearwater
  • Brandon
  • Palm Bay
  • West Palm Beach
  • Pompano Beach
  • Spring Hill
  • Lakeland
  • Miami Beach
  • Lehigh Acres
  • Deltona
  • Plantation
  • Sunrise
  • Boca Raton
  • Largo
  • Melbourne
  • Kendall
  • Palm Coast
  • Deerfield
  • Riverview
  • Boynton
  • Weston
  • Lauderhill
  • Fort Myers

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