Commercial Truck Insurance in Florida

General liability insurance broadly encompasses a range of incidents, providing coverage for a number of incidents. Some general liability policies are fairly limited, however, and many commercial trucking companies opt to purchase an umbrella policy, as well, to cover any incidents that exceed their GL policy limits.

General liability policies typically provide some coverage for incidents such as:

• Bodily injury
• Property damage
• Personal injury
• Vehicle damages
• Medical costs
• Lost wages and expenses
• Uninsured or under-insured motorist coverage
• Towing costs

Protect your commercial trucks with physical damage insurance. There are two kinds of physical damage coverage you can get.

Collision

In the event of an accident involving your truck and another object, collision insurance can help you cover the costs of repairs or replacements.

Comprehensive

Outside of collisions, your trucks can suffer damage in many other ways. Comprehensive coverage ensures that you get help with repair and replacement costs in the event of incidents such as:

• Theft
• Vandalism
• Fire
• Natural disasters
• Inclement weather, such as hail or windstorms

Lost, damaged, or stolen cargo can be a major issue, so it is important to acquire the right cargo insurance for your commercial trucking company in Florida. Depending on the type and amount of cargo you are transporting, the cost of your cargo insurance will vary.

Getting cargo insurance can protect you in the event that something happens to your cargo, and the right policy can also improve your relationships with customers.

If you or your drivers ever operate your commercial trucks for non-work purposes, such as running errands after a drop-off or driving the vehicle to a terminal, a non-trucking liability policy can ensure you are protected. Incidents that occur outside of business operations are not covered under most commercial trucking policies, so a non-trucking policy will provide the right coverage for these situations.

When truckers drive without trailers attached, it is often referred to as “bobtailing” or “deadheading.” With bobtail insurance, your drivers and vehicles will be covered when trucks are operated without their trailers, during or after dispatch and between loads.

Commercial truck drivers can easily get injured while on the job. With a workers’ compensation policy, which is required for businesses with employees, you can get coverage for medical and hospitalization costs as well as lost wages. Common injuries for Florida commercial truckers include:

• Accident-related injuries
• Injuries from loading or unloading freight
• Roadside repair injuries
• Slips and falls

Insuring a new driver can be difficult, and most commercial truck insurance does not cover new truck drivers unless they have had their CDL for at least two years. You will likely need to acquire specific insurance for new drivers, who have had their CDL for under two years, to ensure your business, vehicles, and drivers are sufficiently protected.

Submit relevant information via our convenient online form to get started. We will need information including:

• Your name
• Your business
• Your contact information
• Your location

After submitting this form, you will soon hear from one of our dedicated agents about insuring your commercial trucking company in Florida. Many of our agents are former truckers themselves, so you can trust that they have your best interest in mind.

If you have any questions about commercial trucking insurance, you can ask your agent. They can provide you with answers and guidance to help you protect your business.

Once you have identified your insurance needs and preferences, your agent will provide a quote for your consideration. This quote will reflect relevant policies as well as influential information such as the size of your fleet, the cargo you transport, and the types of vehicles you operate.

When you determine that your quote is agreeable, you can sign your policy into effect. With commercial trucking insurance from World Insurance, you and your Florida trucking business will be in good hands.