We Cover All Types of Trucking Operations
Coverage Options
Comprehensive Trucking Coverage
Everything you need to stay compliant, protected, and on the road
Primary Liability
FMCSA-required liability coverage for bodily injury and property damage. We handle all federal filings including the MCS-90 endorsement to keep your authority active.
- Minimum $750K coverage (FMCSA)
- MCS-90 endorsement filing
- Covers all 48 contiguous states
- Same-day certificates available
Motor Truck Cargo
Protect the freight you haul from pickup to delivery. Covers loss, damage, and theft for dry van, reefer, flatbed, and specialized cargo loads.
- Dry van & refrigerated cargo
- Flatbed & specialized freight
- Loading & unloading coverage
- Theft and mysterious disappearance
Physical Damage
Comprehensive and collision coverage for your truck and trailer. Get back on the road fast with our preferred repair network and dedicated claims team.
- Comprehensive & collision
- Covers truck and trailer
- Preferred repair network
- Rental reimbursement available
Non-Trucking Liability
Coverage for when you're using your truck for personal use or when not under dispatch. Fills the gap left by your motor carrier's policy.
- Personal use coverage
- Bobtail coverage available
- Affordable add-on
- Protects owner-operators
Occupational Accident
Medical and disability benefits for owner-operators who are not covered by workers' compensation. Affordable alternative to traditional workers' comp.
- Medical expense coverage
- Disability income benefits
- Accidental death benefit
- Designed for owner-operators
Trailer Interchange
Coverage for non-owned trailers you haul under a trailer interchange agreement. Required by many shippers and brokers.
- Non-owned trailer coverage
- Physical damage protection
- Required by many brokers
- Flexible limits available
Common Questions
Answers to the most common trucking insurance questions
1How much does trucking insurance cost in Florida?
Rates vary based on fleet size, cargo type, driving history, and coverage limits. Owner-operators typically pay $8,000–$18,000/year for primary liability. We shop multiple carriers to find you the best rate.
2How fast can I get coverage?
In most cases, we can bind coverage and issue your certificate of insurance (COI) the same day you apply. New authorities can typically be on the road within 24–48 hours.
3Do you file the MCS-90 endorsement?
Yes. We handle all FMCSA filings including the MCS-90 endorsement, BMC-91, and state filings required to maintain your operating authority.
4Can I get coverage if I have violations or accidents?
Yes. We work with specialty markets that cover drivers with violations, accidents, or limited experience. We'll find the best available option for your situation.