Bright Coast Insurance provides specialized commercial trucking insurance for Florida dump truck operators, semi truck carriers, long-haul OTR fleets, owner-operators, and new authority carriers. We work with specialty markets that understand commercial hauling — not just standard commercial auto.
Our trucking insurance programs cover dump trucks and construction haulers, semi trucks and 18-wheelers, long-haul OTR carriers, flatbed trucks, hotshot operators, owner-operators (own authority and leased), and new authority carriers seeking their first policy. Each truck type has different FMCSA requirements and underwriting considerations — we match you with the right carrier for your specific operation.
Dump truck insurance in Florida averages $8,500–$18,000 per year per truck. Semi truck insurance runs $12,000–$22,000 per year for owner-operators with their own authority. Long-haul OTR coverage ranges from $14,000–$28,000 per year depending on commodity and radius. New authority carriers pay the highest rates in their first two years, then see significant reductions after establishing a clean loss history. Hotshot operators with established authority can find coverage from $6,000 per year.
All interstate motor carriers must carry minimum $750,000 primary liability (non-hazardous freight) and file the BMC-91X (MCS-90 endorsement) with FMCSA before their authority is activated. Florida intrastate dump trucks must carry minimum $300,000 CSL under FLHSMV rules. Most job sites and general contractors require $1,000,000 CSL regardless of the legal minimum. Bright Coast Insurance handles FMCSA filings as part of every new authority policy setup.
Florida requires workers' compensation for trucking companies with employees. Dump truck drivers fall under NCCI Class Code 7219 (local trucking) at approximately $6.33 per $100 of payroll. Long-distance drivers fall under Class Code 7229 at approximately $7.18 per $100 of payroll. Owner-operators who are sole proprietors are exempt from WC for themselves but must cover any employees. Bright Coast Insurance can quote both commercial auto and workers' comp in a single call.