Florida Trucking Insurance
Commercial Truck Insurance in Florida
Florida freight is its own animal: produce and reefer loads heading north, consumer goods flooding south, port drayage at Jacksonville, Tampa, and Miami, and a hurricane season that tests every carrier's coverage. Marquee builds Florida programs across 30+ A-rated markets. Trucking is all we do.
Not sure your limits still meet Florida's current requirements? Have us re-check them →
- State filings handled
- 30+ A-rated markets
- Trucking is all we do
Florida, Covered
Jax to Miami · both coasts, covered
I-95, I-75, and the I-4 corridor — one agency, one renewal calendar.
Insurance requirements change. Your coverage shouldn't lag.
State legislatures, the FMCSA, and broker contracts all revise their requirements over time — and carriers usually find out from a compliance notice or a bounced load, then remarket under deadline pressure. We verify every account against current state and federal requirements at quote and at every renewal, so a rule change never catches you rolling. Get ahead of your renewal →
Programs We Build Here
Three Florida operations. Three different programs.
A reefer hauler running produce north, a port drayage operation, and an I-4 corridor fleet share a peninsula — and little else about how their coverage should be built. The same truck gets a different program depending on what it hauls and where — here's how that plays out in Florida:
Reefer produce hauler
Temperature-controlled lanes
Cargo terms matched to perishable freight, with breakdown coverage where the load demands it.
- Auto liability — primary liability under your authority, at limits your contracts require
- Motor truck cargo — protects the freight — required by most brokers and shippers
- Reefer breakdown — temperature-failure protection where the load demands it
- Physical damage — collision and comprehensive for owned and financed equipment
Port drayage operation
Jax · Tampa · Everglades · Miami
Built to the UIIA: equipment providers named, the IANA filing handled, trucks clearing the gate.
- Auto liability — written to UIIA standards, with the endorsement on the policy
- Motor truck cargo — protects the freight — required by most brokers and shippers
- Trailer interchange — non-owned chassis, containers, and trailers in your care
- UIIA endorsement & IANA filing — we file it and keep your status active
I-4 corridor fleet
Central Florida distribution
A fleet program priced for Florida traffic density — with physical damage built for storm season.
- Auto liability — primary liability under your authority, at limits your contracts require
- Motor truck cargo — protects the freight — required by most brokers and shippers
- Physical damage — collision and comprehensive for owned and financed equipment
- General liability — premises and operations exposure — docks, yards, and loading
- Workers' compensation — for operations with employee drivers
Illustrative program shapes, not advice or a quote — every operation is different, and required coverage comes from your authority, your contracts, and your lender. Requirements change over time; we verify the current ones for your operation at every quote and renewal, and we handle the filings.
Want to know exactly what your operation needs today?Send us your dec pages — we'll verify your limits against current requirements and quote the gap across 30+ A-rated markets.
Check my coverageSunshine State Freight
Built for the peninsula's one-way problem
Florida trucking lives with a structural imbalance: far more freight comes into the peninsula than leaves it, which shapes rates, lanes, and the reefer-heavy backhaul market that moves produce and juice north. I-95 and I-75 run both coasts, the I-4 corridor between Tampa and Daytona is one of the busiest stretches in the Southeast, and the ports at Jacksonville, Tampa, Everglades, and Miami feed steady drayage. Then there's hurricane season — when physical damage and cargo coverage stop being paperwork and start being the business plan.
Reefer & produce lanes
Temperature-controlled freight quoted with cargo terms that match the commodity — breakdown coverage included where the load demands it.
Port drayage, both coasts
Jacksonville, Tampa, Everglades, and Miami container work — UIIA-compliant programs kept active with IANA.
Hurricane-season readiness
Physical damage and cargo built assuming the season will eventually test them — because in Florida, it will.
The I-4 corridor
Central Florida distribution placed with markets that understand the state's traffic density.
The Coverage We Place
One agency. Your whole Florida program.
The foundation of every program — bodily injury and property damage at limits your authority and loads require.
Explore coverage → Motor Truck CargoProtects the freight you haul; required by most brokers and shippers on the load.
Explore coverage → Physical DamageCollision and comprehensive for your tractor and trailer — required on financed equipment.
Explore coverage → The Full StackGeneral liability, per-shipment cargo, occupational accident, workers' comp, bobtail — one renewal calendar.
All coverages →Every Florida carrier knows the season is coming — the difference is whether your coverage was built by someone who priced that in, or someone who copied last year's dec page.
Nate MarquardtPresident, Marquee Insurance GroupFlorida Questions
What Florida truckers ask us most
What insurance do I need to run a trucking company in Florida?
It depends on your operation. Interstate carriers follow federal FMCSA financial-responsibility requirements tied to their authority; carriers operating only within Florida fall under state operating-authority and filing requirements, which are set by state law and change over time. On top of the legal minimums, brokers and shippers set their own contract requirements — usually higher — and lenders require physical damage on financed equipment. We verify the current requirements for your specific operation at every quote and renewal.
Does trucking insurance cover hurricane damage in Florida?
Storm damage to your own tractor or trailer generally falls under the comprehensive side of physical damage coverage, and freight damaged in transit falls under motor truck cargo — subject to each policy's terms and deductibles. Liability-only policies don't cover your own equipment, which is why running a Florida operation without physical damage is a gamble the season eventually calls.
How much does commercial truck insurance cost in Florida?
It depends on your operation: radius, commodity, driving records, years in business, equipment values, and loss history all move the number — and Florida's traffic density and storm exposure are part of how underwriters look at the state. The fastest way to a real number is a quote against 30+ A-rated markets — see how truck insurance cost works.
What coverages do Florida brokers and shippers usually require?
Beyond auto liability at limits above the legal minimum, most load agreements require motor truck cargo coverage and a certificate listing the broker as certificate holder. Requirements vary by broker and commodity — we read them before we quote. If you haul intermodal, UIIA has its own requirements — see our UIIA coverage page.
Can you insure a brand-new trucking authority in Florida?
Yes. New ventures are one of our specialties — we place first-year Florida authorities with carriers that actually want new-venture risk, and our start-up guide walks you through filings, compliance, and what brokers will ask for.
Built for Florida. Backed by 30+ markets.
Send us your dec pages — we'll verify your limits against current requirements, quote across 30+ A-rated markets, and build the full program: liability, cargo, physical damage, and everything your loads demand.