Specialty line
Commercial auto and trucking coverage for Florida fleets.
From a contractor’s work trucks to an owner-operator running interstate, vehicles are the hardest-pricing line in commercial insurance right now. We structure primary and excess together so social inflation and nuclear verdicts don’t put your business on the wrong side of a Florida verdict.
Who we cover
Trades & operations we write
- Contractor work trucks & vans
- Owner-operators
- Local & regional fleets
- Box trucks & delivery
- Tow & recovery
- Dump & hauling
- For-hire trucking (FMCSA/DOT)
- Hotshot & expedited
What you’ll likely need
The coverages that matter for auto & trucking
We tailor the program to your operation — these are the policies most auto & trucking accounts carry.
Florida requirements
What Florida actually requires
The specifics generalists miss — and we don’t.
- Owned business vehicles require commercial auto — personal policies exclude business use.
- For-hire trucking adds FMCSA/USDOT filings, MCS-90, and cargo coverage.
- Hired & non-owned auto (HNOA) covers leased and personal-use-for-work vehicles.
- Umbrella is increasingly contract-required — and prudent given Florida verdicts.
Questions, answered plainly
Auto & Trucking insurance FAQs
Why is commercial auto so much more expensive than it used to be?
Social inflation and large jury verdicts have hit the whole line — umbrellas are up 5–30%. The answer isn’t the cheapest primary limit; it’s the right primary paired with excess so you’re not the easiest target in court.
Do I need commercial auto if employees use their own cars for work?
You likely need hired & non-owned auto (HNOA). If an employee causes an accident while driving for you, their personal policy may not respond — and the claim lands on your business.
Can you handle FMCSA and USDOT filings for for-hire trucking?
Yes — for-hire operations need MC/USDOT filings, MCS-90, and cargo coverage. We confirm the filings are in place so a roadside stop doesn’t shut you down.
Ready to cover your auto & trucking business?
Tell us about your operation — a real advisor will shop A-rated carriers and get you options, usually the same day.