Florida Trucking Insurance from a specialty broker who knows the freight lanes.
Owner-operators, box trucks, dump trucks and fleets — from PortMiami drayage to the I-4 corridor and JAXPORT. NextGuard places Florida-compliant coverage with A-rated carriers, handles your filings, and gives you one broker for every line.
Coverage
Every line a Florida motor carrier needs — under one roof
Whether you run intrastate loads under Florida authority or interstate lanes under FMCSA, we build the program around how you actually operate — and around Florida realities like port drayage, cargo theft and hurricane season.
Commercial Auto Liability
Primary liability that meets Florida's § 627.7415 intrastate minimums and FMCSA filing requirements (MCS-90, BMC-91) for interstate operations.
Physical Damage
Collision and comprehensive on tractors, trailers and box trucks — with the theft and wind/flood exposure that Florida underwriting actually prices for.
Motor Truck Cargo
Protects the freight you haul — produce, reefer, general commodity and drayage containers — with reefer breakdown options for Florida perishables.
Trailer Interchange & Non-Owned
Essential for PortMiami and JAXPORT drayage — covers your liability for chassis and containers you pull under interchange agreements.
Non-Trucking Liability (Bobtail)
Coverage when you're driving without a load or off dispatch — essential for leased owner-operators running under a carrier's authority.
General Liability & Workers' Comp
Premises and operations coverage for your yard or warehouse, plus workers' comp for drivers and dock staff — often required on Florida facility leases and shipper contracts.
Trucks we insure across Florida:
Where you run
Florida trucking coverage, market by market
Rates, corridors and risk differ by metro. Pick your base and see coverage built for the lanes you actually drive.
Miami
PortMiami drayage, Doral, Medley & Hialeah warehouse corridors, the Palmetto and Dolphin.
Miami trucking insurance →Orlando
I-4 corridor distribution, central-Florida warehousing and last-mile fleets.
Orlando trucking insurance →Tampa
Port Tampa Bay, produce lanes and the I-4 / I-75 freight network.
Tampa trucking insurance →Jacksonville
JAXPORT container drayage and the I-95 / I-10 logistics hub.
Jacksonville trucking insurance →Prefer Spanish? Visit Seguro de Camiones en Florida →
Florida ground
We know the lanes your trucks actually run
Florida is one of the toughest commercial-auto markets in the country — dense interstate traffic, heavy tourist and four-wheeler interaction, hurricane and flood exposure, and organized cargo theft around the ports. That drives loss frequency and carrier scrutiny. We know how underwriters price it, and how to present your operation so you don't overpay for it.
Why NextGuard
A specialty brokerage — not a call-center quote mill
Global capacity, local hands
Backed by a top international broker with worldwide offices and specialists in the most complex risks — placing coverage through Lloyd's, London and A-rated international carriers, not just one domestic market.
Filings done for you
MCS-90, BMC-91, FMCSA filings and certificates of insurance issued fast, so you stay dispatch-ready across state lines.
Trilingual service
We work with you in English, Spanish or Portuguese — start to finish, from application to claim.
We shop the market
Multiple carriers, wholesale and specialized capacity — we bring that firepower to a single truck or a growing fleet so you never depend on one market's appetite.
FAQ
Florida trucking insurance questions
How much does trucking insurance cost in Florida?
For a Florida motor carrier with a clean record, commercial truck premiums generally run about $12,000–$22,000 per truck per year. Owner-operator semis, port drayage and Miami-based operations tend to land at the higher end because of traffic density, cargo-theft and catastrophe exposure; box trucks, hotshots and clean fleets on regional lanes run lower. Your radius, commodity, driver records, equipment value and years in business all move the number. We structure your submission and shop multiple A-rated markets to get the sharpest rate for your operation.
What are Florida's minimum insurance requirements for a truck?
Florida Statute § 627.7415 sets minimum combined bodily-injury and property-damage liability for commercial vehicles on Florida roads by weight: $50,000 for 26,000–34,999 lb GVWR, $100,000 for 35,000–43,999 lb, and $300,000 for 44,000 lb and over. If you cross state lines, FMCSA minimums apply instead: $750,000 for general freight, $1,000,000 for oil, and $5,000,000 for hazardous materials. Most shippers and freight brokers also require a $1,000,000 combined single limit plus cargo — we confirm exactly what your contracts and filings require.
Do you cover port drayage and trailer interchange?
Yes. Container drayage out of PortMiami, Port Everglades, Port Tampa Bay and JAXPORT needs trailer interchange and non-owned trailer coverage for the chassis and boxes you pull under interchange agreements. We build those layers into your program so the port lets you work and you're not exposed on equipment you don't own.
Do you cover single owner-operators as well as fleets?
Yes. We place coverage for single-truck owner-operators, leased drivers needing bobtail/non-trucking liability, and fleets of every size — all through one broker.
Can you handle my FMCSA and Florida registrations?
Absolutely. We issue MCS-90 and BMC-91 filings and certificates of insurance quickly, and we make sure your coverage lines up with your USDOT/FMCSA authority and Florida registration so you can keep operating without gaps.
How fast can I get a quote?
Most Florida trucking quotes are turned around within 24 hours once we have your basic operation details, driver info and loss history. Complete the form or call us and we'll get moving today.
One submission, done right
Calling 10 agencies actually slows you down — and costs you options
In commercial trucking, insurers award your account to the first broker who submits it — it's called market clearance. When several agencies send the same operation to the same carriers, those markets get blocked or decline outright. So sending your account to 10 agencies doesn't get you more quotes — it shrinks your options and delays every one.
Give it to one broker who controls a clean submission to the full market. We shop Lloyd's, London and A-rated carriers on your behalf — once — and bring you the strongest terms, faster.
Get your Florida trucking quote
Tell us about your operation. We'll shop A-rated markets and come back fast — usually within 24 hours.
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