Commercial Trucking Insurance — Florida
Long Haul Trucking Insurance
OTR & Interstate Coverage
Over-the-road (OTR) and long-haul trucking operations face the most complex insurance requirements in the commercial transportation industry. Operating across multiple states means compliance with FMCSA federal regulations, state-specific requirements, and cargo liability that follows the load across thousands of miles. Bright Coast Insurance works with Florida-based long-haul carriers to build comprehensive coverage programs that meet federal requirements and protect against the unique risks of interstate freight.
Estimated Annual Cost
$14,000 – $28,000
per year, per truck
For trucks, underwriters look at unit value, cargo type and loss runs first; share those and we can quote fast. Hazardous materials and refrigerated cargo cost more. Truck type, garaging county and driver history drive the price, so we quote each operation from its actual units and drivers.
FMCSA Minimum Liability
$750,000
combined single limit (CSL)
FMCSA minimum is $750,000 for non-hazardous dry freight, $1,000,000 for oil/hazmat, and $5,000,000 for certain hazardous materials. Cargo insurance minimums vary by commodity and shipper requirements — most shippers require $100,000 cargo coverage minimum.
Coverage
What Does Your Policy Cover?
Every policy is tailored to your truck type, operating radius, and cargo requirements.
Florida Market
Florida-based long-haul carriers primarily run the I-95 corridor (Miami to Jacksonville to the Northeast), the I-75 corridor (Miami to Atlanta), and the I-10 corridor (Jacksonville to the Gulf Coast). These are among the highest-freight-volume interstate corridors in the eastern US.
Workers' Comp for Your Drivers
Class Code 7229
Long-distance hauling employees fall under Class Code 7229 in Florida. This code covers all employees and drivers engaged in long-distance trucking operations.
View Class Code 7229 — Florida RatesFAQ
Frequently Asked Questions
What is the difference between long haul and local trucking insurance?
Long-haul trucking insurance covers operations where drivers regularly travel more than 150–200 miles from their home terminal, often crossing state lines. Local trucking insurance covers operations within a defined radius (typically under 100 miles). Long-haul policies are generally more expensive because the exposure is greater — more miles, more states, more time away from home terminal, and higher fatigue-related accident risk. FMCSA Hours of Service rules apply to long-haul operations and are a major underwriting factor.
Do I need separate insurance for each state I operate in?
No. A single interstate motor carrier policy with the proper FMCSA filings covers you in all 48 contiguous states and Canada. The MCS-90 endorsement on your primary liability policy satisfies federal requirements in every state. You do not need separate state-by-state policies. However, some states have specific filing requirements (like California's MCP-65 filing) that your broker should handle as part of your policy setup.
What cargo insurance do I need for long-haul trucking?
Motor truck cargo insurance covers the freight you're hauling against loss or damage. Coverage limits should match the highest-value load you carry — most shippers require $100,000 minimum, and high-value freight (electronics, pharmaceuticals, auto parts) often requires $250,000 or more. Cargo policies can be written on a per-load basis or as an annual policy with a per-load sublimit. Bright Coast Insurance can structure cargo coverage to match your actual freight types and shipper requirements.
Ready to Get a Quote?
Speak with a Florida trucking insurance specialist today. We cover all commercial truck types throughout Florida.