Amazing expirience! The agent is very professional and friendly. Definitely recommend!!
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813-302-7151
813-302-7151
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We serve clients across Florida and work with multiple insurance carriers to help individuals, families, and business owners compare coverage options that fit their state and industry requirements.
We serve clients across Florida and work with multiple insurance carriers to help individuals, families, and business owners compare coverage options that fit their state and industry requirements.
7 months ago
Excellent service and very professional staff. They made the process easy, answered all my questions, and helped me find the right coverage. Highly recommended!
3 months ago
I’ve worked with Ray for years and he’s always reliable and has been able to help my clients in need! I can always count on him to provide the best insurance advice and service
7 months ago
Great service, and always looking out for my commercial insurance. Thank you Ray
3 months ago
Great insurance agent to work with. Ray is the best!
3 months ago
Reviews reflect individual customer opinions and experiences. They do not guarantee specific coverage, pricing, service timing, or claim outcomes.
Insurance for trucks that work for a living
“Commercial truck” covers a lot of ground. It can mean a box truck making furniture deliveries in Tampa, a dump truck hauling fill in Pasco, a flatbed carrying block, a tow truck, or a tractor-trailer running freight to Atlanta. The right policy depends on the truck’s weight, what it hauls, whose goods they are, how far it goes and who drives.
What makes a truck account different
Carriers look at gross vehicle weight, body type, trailers, cargo, for-hire status, radius, where the truck parks, and each driver’s experience with trucks that size. A local delivery truck and a long-haul tractor may both be commercial trucks, but they go to very different insurance markets.
For more detail on a specific truck, see our guides for box trucks, dump trucks, flatbeds and tow trucks. If you haul freight for others, start with our trucking insurance guide.
Coverage commonly discussed
A truck proposal usually starts with auto liability and physical damage (comprehensive and collision). It may also include uninsured motorist coverage, hired and non-owned auto, towing and rental reimbursement.
Several important coverages are separate policies or endorsements, not automatic parts of the auto policy: motor truck cargo for freight you haul for others, trailer interchange for trailers you pull under an agreement, general liability, workers’ compensation and equipment coverage. Ask about each one that fits your operation.
Florida weight tiers
Florida sets higher liability minimums for heavier trucks. Under Florida Statutes s. 627.7415, commercial motor vehicles must carry at least this much combined bodily injury and property damage liability, based on gross vehicle weight:
- 26,000 to under 35,000 pounds: $50,000 per occurrence
- 35,000 to under 44,000 pounds: $100,000 per occurrence
- 44,000 pounds or more: $300,000 per occurrence
The same statute says trucks subject to the federal financial responsibility rules (49 C.F.R. part 387) must carry the federal minimum amounts. These are only legal floors. Shippers, brokers and general contractors often ask for a $1,000,000 limit.
Federal basics for for-hire trucks
If you haul in interstate commerce with a truck or combination rated 10,001 pounds or more, you need a USDOT number. The FMCSA also lists Florida among the states that require one for some intrastate commercial vehicles (FMCSA: Do I need a USDOT number?).
If you haul other people’s goods for pay across state lines, you also need operating authority, and your insurer must file proof of coverage with the FMCSA before the authority is granted. The minimums in the FMCSA insurance filing chart include:
- For-hire general freight, trucks rated under 10,001 pounds: $300,000
- For-hire general freight, trucks rated 10,001 pounds or more: $750,000
- Certain hazardous materials: $1,000,000
- Explosives, poison gas or radioactive materials: $5,000,000
A single truck rated 26,001 pounds or more needs a driver with a Class B commercial driver license, and heavier combinations need a Class A (FMCSA license classes). Our commercial truck requirements guide has a fuller checklist.
What it costs
These are annual prices from real quotes our agency has run for Florida businesses. Your real price depends on your vehicles, drivers, limits and claims.
One truck on the policy:
- Box truck, Florida minimum limits: $400 to $6,000 a year ($30 to $500 a month)
- Box truck, $1,000,000 limit: $5,500 to $35,000 a year ($450 to $2,950 a month)
- Pickup or light truck, Florida minimum limits: $1,000 to $9,000 a year ($80 to $750 a month)
- Tow truck, Florida minimum limits: $6,500 to $16,000 a year ($540 to $1,350 a month), with on-hook and garagekeepers priced on top
- Tractor or semi, $1,000,000 limit: about $27,000 to $47,000 a year, from only 3 quotes, so treat it as a small sample
Whole commercial auto policy, by business:
- Trucking and hauling: $2,500 to $65,000 a year
- For-hire freight and long haul: $3,500 to $75,000 a year
- Courier and local delivery: $2,500 to $26,000 a year
In our quotes, box trucks at minimum limits have sometimes priced below pickups at minimum limits. The driver list, radius, use and claims history move the price more than the vehicle type alone. See our Florida commercial insurance price guide for the full breakdown.
What to prepare
- VIN, year, make, model and gross vehicle weight rating for each truck and trailer
- Every driver’s name, date of birth, license number and years of truck experience
- What you haul, whose it is, and the usual value per load
- Radius, garaging address and any interstate travel
- USDOT and MC numbers, if you have them
- Current declarations page, loss runs and any contract or broker requirements
Call or text 813-302-7151. We present your account to the carriers available to us and explain what comes back. The insurer decides eligibility and price after underwriting.
Commercial truck questions
Is commercial truck insurance the same as trucking insurance?
Not always. Commercial truck describes the vehicle. Trucking insurance usually means hauling other people’s freight for pay, with operating authority, filings and cargo coverage. A contractor’s dump truck and a for-hire freight carrier can both be commercial trucks.
Do all commercial trucks need the same limits?
No. Florida’s minimum rises with weight under s. 627.7415, federal filings apply to for-hire interstate carriers, and contracts often ask for more than either.
Can I insure just one truck?
Yes. Many carriers write owner-operators and single-truck businesses. A brand-new business may see fewer options and a higher price in the first year, because there is no loss history yet.
Do I need a USDOT number if my truck only runs in Florida?
The federal rule is for interstate commerce, but the FMCSA lists Florida among the states that require some intrastate commercial vehicle registrants to get one. Check your case before you start hauling.
What does motor truck cargo cover?
Damage to freight you haul for others, subject to the policy limit, deductible and exclusions. Auto liability does not pay for the load itself.
About the Author
Raymundo Guzman
I’m Raymundo Guzman, an independent insurance agent and the owner of Covered by Guzman. I help business owners across Tampa Bay and central Florida find commercial auto, general liability, workers’ compensation, and related business coverage that matches how they actually operate, comparing options across the carriers available to me rather than selling one company’s product.
Independent Insurance Agent · License #W512374 | NPN #18906048 · 813-302-7151
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Get coverage built around your trucks, drivers, cargo and daily operations.
Call 813-302-7151 or email Rguzman@CoveredByGuzman.com to discuss the business, vehicles, drivers, and requested coverage. Coverage, eligibility, pricing, terms, and effective dates are subject to carrier underwriting and the issued policy.
