Commercial Trucking Insurance
Florida TruckingInsurance
Specialized coverage for dump trucks, semi trucks, long haul carriers, owner-operators, and new authorities in Florida. Access to specialty markets that understand commercial hauling — not just standard commercial auto.
Truck Types We Cover
Coverage for Every Truck Type
Not all trucks are the same — and neither is the insurance. Each truck type has different FMCSA requirements, different cargo risk profiles, and different underwriting needs. Bright Coast Insurance works with specialty carriers for each type of operation.
Essential Coverages for Florida Truckers
Primary Liability
FMCSA-required coverage for bodily injury and property damage. Minimum $750,000 for interstate carriers.
Physical Damage
Collision and comprehensive coverage for your truck and trailer. Covers accidents, theft, fire, and weather damage.
Motor Truck Cargo
Covers the freight you're hauling against loss, theft, or damage. Required by most shippers and brokers.
Workers' Comp
Required for trucking companies with employees in Florida. Class Codes 7219 (local) and 7229 (long-distance).
Florida's Trucking Insurance Market
Florida is the third-largest trucking state in the US by FMCSA-registered carriers, with over 80,000 active commercial carriers. The state's construction boom — driven by population growth, FDOT infrastructure investment, and private development — has created unprecedented demand for dump truck and construction hauling operators. The Port of Miami, Port Everglades, and Port Tampa Bay generate significant drayage and intermodal freight movement, making Florida one of the most active trucking insurance markets in the country.
The Florida trucking insurance market is complex. National carriers like Progressive Commercial and GEICO dominate generic terms, but specialized operators — especially dump trucks, new authorities, and owner-operators — often get better rates and coverage through independent agencies with access to specialty markets. Bright Coast Insurance works with carriers that specialize in construction hauling, long-haul freight, and new authority programs in Florida.
A critical consideration for Florida truckers: workers' compensation. Many trucking company owners don't realize that their dump truck drivers require workers' comp coverage under NCCI Class Code 7219 (local trucking) or 7229 (long-distance hauling). Bright Coast Insurance can quote both your commercial auto and workers' comp in a single call, ensuring your entire operation is properly covered.
Florida Trucking Insurance Costs (2026)
Dump Truck · Semi-Truck · Long Haul · Flatbed · Hotshot · Owner-Operator · New Authority Rates
| Truck Type | Annual Cost Range |
|---|---|
| Dump Truck | $8,500 – $18,000 |
| Semi Truck / 18-Wheeler | $12,000 – $22,000 |
| Long Haul / OTR | $14,000 – $28,000 |
| Flatbed | $11,000 – $20,000 |
| Hotshot | $6,000 – $14,000 |
| Owner-Operator (leased) | $2,500 – $6,000 |
* Indicative rates for operators with clean records. Actual rates vary by driver history, commodity, operating radius, and authority age.
Don't Forget Workers' Comp
Your Drivers Need Workers' Comp Coverage
Dump truck and hauling drivers fall under NCCI Class Codes 7219 (local trucking) and 7229 (long-distance hauling) in Florida. The Florida rate for Code 7219 is approximately $6.33 per $100 of payroll. Bright Coast Insurance can quote both your commercial auto and workers' comp in a single call — no need to shop them separately.
Frequently Asked Questions
Florida Trucking Insurance FAQ · DOT Requirements · New Authority · Owner-Operator Coverage
What types of commercial trucks does Bright Coast Insurance cover?
Bright Coast Insurance covers all commercial truck types operating in Florida, including dump trucks, semi trucks and 18-wheelers, flatbed trucks, hotshot trucks, long-haul OTR carriers, owner-operators, and new authority carriers. We work with specialty markets that understand the unique risks of each truck type and can build a coverage program tailored to your operation.
How much does commercial trucking insurance cost in Florida?
Commercial trucking insurance in Florida ranges from $6,000/year for a hotshot operator with an established authority to $28,000/year for a new authority semi truck carrier. Dump truck insurance typically runs $8,500–$18,000/year per truck. The biggest factors affecting your rate are: truck type, commodity hauled, operating radius, years in business (authority age), and driver history.
Do I need workers' compensation for my trucking company in Florida?
Florida requires workers' compensation for trucking companies with 4 or more employees. However, if your operation involves construction-related hauling (delivering materials to construction sites), workers' comp may be required with even 1 employee. Owner-operators who are sole proprietors are exempt from WC for themselves but must cover any employees. Dump truck drivers fall under Class Code 7219; long-haul drivers fall under Class Code 7229.
What is the difference between primary liability and cargo insurance?
Primary liability covers your legal responsibility for bodily injury and property damage you cause to others — it's the coverage that pays if your truck injures someone or damages their property. Cargo insurance covers the freight you're hauling — it pays if the goods you're transporting are lost, stolen, or damaged. Both are typically required: FMCSA requires primary liability for all interstate carriers, and most shippers require cargo coverage before they'll let you haul their freight.
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Compare Trucking Insurance Carriers
Florida Trucking Carrier Comparisons — Progressive, OOIDA, Canal, Protective
Independent comparisons from Bright Coast Insurance — we write business with all of these carriers.