Commercial truck insurance in Florida
Commercial truck insurance covers business trucks and vans: liability for injuries and damage you cause, repair or replacement of your own vehicle, and cargo if you add it. Florida requires personal injury protection and property damage liability on registered vehicles, with higher liability minimums for heavier trucks. Assure US compares quotes for Florida operators, in English or Spanish.
What does commercial truck insurance cover?
Commercial truck insurance is a set of separate coverages: most trucks start with auto liability and physical damage, then add cargo, general liability or workers' compensation depending on the work.
| Coverage | What it pays for | Who usually needs it |
|---|---|---|
| Auto liability | Injuries and property damage your truck or driver causes to other people, plus legal defense, up to your limit. | Every business truck. Contracts and customers may ask for higher limits than the legal minimum. |
| Physical damage (comprehensive and collision) | Repair or replacement of your own truck. Collision applies to crashes and overturns; comprehensive applies to other causes such as theft, fire or storm, as the policy states. | Owners who finance or lease a truck, or who could not replace it out of pocket. |
| Motor truck cargo | The goods you haul when they are lost or damaged by covered causes while in your care. | Delivery, moving and hauling businesses. Shippers, brokers and customers often require it. |
| Florida personal injury protection (PIP) | Medical and disability benefits up to $10,000 and a $5,000 death benefit for covered people hurt in a crash, under Florida's no-fault law. Medical reimbursement is limited to $2,500 unless a provider finds an emergency medical condition (Fla. Stat. 627.736 (opens in a new tab)). | Required on registered vehicles with four or more wheels, including commercial trucks and vans. |
| Uninsured motorist (UM) | Your injuries, and your passengers', when an at-fault driver has no insurance or not enough. | Optional in Florida: the policy must include it unless the named insured rejects it in writing (Fla. Stat. 627.727 (opens in a new tab)). |
| Hired and non-owned auto | Your business's liability when an employee drives a personal vehicle on a work errand, or when you rent or borrow a vehicle for work. It usually sits above the employee's own policy. | Businesses whose staff make deliveries or errands in their own cars, or that rent vehicles for busy periods. |
| General liability | Injuries and property damage tied to your business operations at job sites, shops or yards. It generally excludes accidents involving vehicles you own or operate, which belong on the auto policy. | Contractors, towing yards, service businesses and anyone who has customers on site. |
| Workers' compensation | Medical care and lost-wage benefits for employees hurt on the job. | Florida employers with four or more employees, or one or more in construction (Florida DFS (opens in a new tab)). |
| Rental reimbursement | The cost of a replacement vehicle while yours is repaired after a covered loss. | Businesses that cannot work without the truck. It is an optional add-on on many commercial auto policies. |
Sources, checked October 20, 2026
- Fla. Stat. 627.736, PIP benefits (opens in a new tab)
- Fla. Stat. 627.727, uninsured motorist coverage (opens in a new tab)
- Florida DFS, workers' compensation coverage requirements (opens in a new tab)
- Triple-I, business vehicle insurance (opens in a new tab)
- IRMI, the auto exclusion in the CGL policy (opens in a new tab)
- IRMI, rental reimbursement endorsement (opens in a new tab)
What insurance does Florida require for commercial trucks?
Florida requires every registered vehicle with four or more wheels, trucks and vans included, to carry personal injury protection and property damage liability, and heavier trucks starting at a gross vehicle weight of 26,000 pounds must also meet higher combined liability minimums.
| If your vehicle or business is | Minimum | Where it comes from |
|---|---|---|
| Any registered vehicle with four or more wheels, including trucks and vans | $10,000 of personal injury protection (PIP) and $10,000 of property damage liability. A policy with at least $30,000 of combined bodily injury and property damage liability can also meet the property damage requirement. | 627.733 (opens in a new tab), 627.736 (opens in a new tab), 324.022 (opens in a new tab) |
| Commercial or qualified motor vehicle, gross vehicle weight 26,000 pounds or more, but less than 35,000 pounds | $50,000 per occurrence of combined bodily injury and property damage liability, in addition to the requirements above | 627.7415 (opens in a new tab) |
| Commercial or qualified motor vehicle, gross vehicle weight 35,000 pounds or more, but less than 44,000 pounds | $100,000 per occurrence of combined bodily injury and property damage liability | 627.7415 (opens in a new tab) |
| Commercial or qualified motor vehicle, gross vehicle weight 44,000 pounds or more | $300,000 per occurrence of combined bodily injury and property damage liability | 627.7415 (opens in a new tab) |
| Vehicle subject to the federal financial responsibility rules (49 CFR part 387, subparts A and B) | At least the federal minimum for your operation | 627.7415(4) (opens in a new tab) |
| For-hire carrier of nonhazardous property in interstate or foreign commerce, with a vehicle rated 10,001 pounds GVWR or more | $750,000 of public liability coverage | 49 CFR 387.9 (opens in a new tab), 387.3 (opens in a new tab) |
| Carrier of certain hazardous materials, oil or hazardous waste | $1,000,000 or $5,000,000, depending on what is hauled and how | 49 CFR 387.9 (opens in a new tab) |
| Florida household goods mover | At least $10,000 per shipment of liability coverage for household goods (or a $50,000 bond or certificate of deposit for movers with two or fewer vehicles), plus motor vehicle liability of $50,000 under 35,000 pounds gross weight, $100,000 from 35,000 to under 44,000 pounds, and $300,000 at 44,000 pounds or more | 507.04 (opens in a new tab) |
| Employer with employees | Workers' compensation: four or more employees outside construction, one or more in construction | Florida DFS (opens in a new tab) |
When a CDL applies
A commercial driver license (CDL) is required to drive a commercial motor vehicle, which Florida and federal law define as a vehicle with a gross vehicle weight rating of 26,001 pounds or more, one designed to carry more than 15 people including the driver, or one hauling placarded hazardous materials (Fla. Stat. 322.01 (opens in a new tab), 49 CFR 383.5 (opens in a new tab)). Most cargo vans and many smaller box trucks and light wreckers are rated below that line; many dump trucks and heavy wreckers are not.
USDOT numbers and federal safety rules
A motor carrier that operates commercial motor vehicles in interstate commerce, which includes vehicles rated 10,001 pounds or more, registers with the federal government for a USDOT number (49 CFR 390.5 (opens in a new tab), 390.201 (opens in a new tab)). Florida also applies the federal safety rules to commercial vehicles that stay in the state, with an exemption from part of them for trucks under 26,001 pounds that do not haul placarded hazardous materials (Fla. Stat. 316.302 (opens in a new tab)). Confirm which registrations apply to you with the Florida Department of Highway Safety and Motor Vehicles or FMCSA.
Sources, checked October 20, 2026
- Fla. Stat. 627.733, required security (opens in a new tab)
- Fla. Stat. 627.736, PIP benefits (opens in a new tab)
- Fla. Stat. 324.022, property damage liability (opens in a new tab)
- Fla. Stat. 627.7415, commercial motor vehicle liability (opens in a new tab)
- Fla. Stat. 320.01, definitions (opens in a new tab)
- 49 CFR 387.9, minimum financial responsibility (opens in a new tab)
- 49 CFR 387.3, applicability (opens in a new tab)
- Fla. Stat. 507.04, mover insurance (opens in a new tab)
- Florida DFS, workers' compensation coverage requirements (opens in a new tab)
- Fla. Stat. 322.01, driver license definitions (opens in a new tab)
- 49 CFR 383.5, CDL definitions (opens in a new tab)
- 49 CFR 390.5, definitions (opens in a new tab)
- 49 CFR 390.201, USDOT registration (opens in a new tab)
- Fla. Stat. 316.302, commercial vehicle safety rules (opens in a new tab)
Which trucks and vans do we insure?
We help Florida businesses insure five common kinds of work vehicles and cargo, and each has its own guide.
Box truck insurance in Florida
Delivery, moving, furniture and last-mile trucks with an enclosed cargo box.
Tow truck insurance in Florida
Wreckers and car carriers, with on-hook and garagekeepers coverage.
Dump truck insurance in Florida
Contractor and hauling trucks, with job-site coverage and certificates.
Cargo van and delivery van insurance in Florida
Couriers, contractors and service businesses that run on vans.
Motor truck cargo insurance in Florida
Coverage for the freight in your care, including refrigerated loads.
Truck insurance or commercial auto?
Use these pages for box trucks, tow trucks, dump trucks, cargo vans and the cargo you carry. Business cars, SUVs, pickups and small fleets are covered on our commercial auto insurance page. Many businesses have both, and a licensed agent can sort out which vehicle belongs on which policy.
New to box truck coverage? Read our guide to box truck insurance in Florida.
What affects the price of truck insurance?
Insurers price a truck policy mainly on who drives, what you haul, how far you go and what the truck is worth, so two similar trucks can get very different quotes.
Drivers' records and experience
Violations, accidents and years of driving experience for every driver on the policy.
Radius: local or long distance
A truck that stays near home is rated differently from one that crosses the state or the country.
What you haul
Packages, furniture, building materials and refrigerated food carry different risks.
Vehicle value and type
Year, weight, replacement cost and body type affect liability and physical damage rating.
Where the truck is garaged
Parking location, ZIP code, and theft or flood exposure at that address.
Years in business
Insurers look at how long you have operated and your experience with this kind of work.
Claims history
Loss runs from prior insurers, usually for the last three to five years.
Coverage limits and deductibles
Higher limits cost more. Higher deductibles usually lower the premium and raise what you pay at claim time.
We do not publish prices because they depend on these details. A licensed agent compares quotes once we have your information.
What to have ready for a faster quote
Have your drivers' details, vehicle identification numbers, garaging address, cargo and radius, and current policy or claims history ready, and the quote moves faster.
- Drivers: name, driver license number and date of birth for everyone who will drive, plus years of commercial driving experience.
- Vehicles: VIN, year, make, model and weight rating for each truck or van, plus its purchase price or value.
- Garaging address: where each vehicle is parked overnight.
- Radius and cargo: how far you drive from base, which counties or states, what you haul and for whom.
- Your current declarations page, which shows today's coverage, limits and renewal date.
- Loss runs: claims history from your prior insurers, usually for the last 3 to 5 years.
- USDOT and MC numbers, if you have them, plus any contract that sets insurance requirements.
- Business details: legal business name, years in business and number of employees.
Missing something? Start the quote anyway. An agent will tell you what else is needed and how to send documents.
Local truck or long haul?
We mainly help Florida-based businesses with local and regional trucks, typically one to ten vehicles, such as delivery, moving, towing and hauling companies.
Long-haul and interstate operations bring federal requirements on top of Florida's:
- USDOT registration for carriers operating commercial motor vehicles in interstate commerce and, for many for-hire carriers, operating authority.
- Federal financial responsibility minimums, such as $750,000 for for-hire carriers of nonhazardous property with vehicles rated 10,001 pounds or more, and higher amounts for some hazardous materials.
- Proof of that coverage, usually an MCS-90 endorsement on the policy, kept at your principal place of business (49 CFR 387.7 (opens in a new tab)).
Not sure which group you are in? Message us the vehicle, where it runs and what it hauls. A licensed agent can review your operation and tell you whether we can quote it.
Frequently asked questions
How much does commercial truck insurance cost in Florida?
There is no standard price for commercial truck insurance in Florida. It depends mainly on your drivers' records, the type and value of the truck, what you haul and how far you drive. A licensed agent can quote it with several insurers once you send your vehicles, drivers, garaging address and current policy.
What is the minimum insurance for a commercial truck in Florida?
Every registered vehicle with four or more wheels needs $10,000 of personal injury protection and $10,000 of property damage liability. Trucks with a gross vehicle weight of 26,000 pounds or more must also carry $50,000, $100,000 or $300,000 of combined liability, depending on weight. Federal minimums apply to many for-hire interstate carriers, and contracts often ask for more.
Can I use my personal auto policy for a work truck or van?
Usually not. Personal auto policies typically exclude vehicles used for business, and when a vehicle is used mainly for business there is likely no coverage. Occasional business use is a gray area that depends on the policy, so ask before you rely on it. A truck that belongs to your company generally needs a commercial policy.
Do I need a CDL to drive a box truck, tow truck or cargo van?
You need a commercial driver license when the vehicle's gross vehicle weight rating is 26,001 pounds or more, when it is designed to carry more than 15 people, or when it hauls placarded hazardous materials. Most cargo vans and many smaller box trucks and light wreckers are rated below that line. Check the rating on your vehicle's label.
What is the difference between commercial truck insurance and commercial auto insurance?
Truck insurance is a kind of commercial auto insurance built for heavier and specialized work vehicles, and it often adds cargo, on-hook or garagekeepers coverage. Our commercial auto page covers business cars, SUVs, pickups and small fleets. Many businesses use both, and an agent can help sort out which vehicle belongs on which policy.
Do you insure long-haul trucks and owner-operators?
We mainly help Florida-based businesses with local and regional trucks, typically one to ten vehicles. Long-haul and interstate for-hire operations bring federal requirements such as USDOT registration and higher financial responsibility minimums. Contact us and a licensed agent can review your operation and tell you whether we can quote it.
This page is general information, not a coverage recommendation. Requirements and policies vary; a licensed Assure US agent will review your vehicles, drivers and operations.
Ready to compare truck insurance quotes?
Tell us about your vehicles, drivers and routes. A licensed Assure US agent compares insurers for you and explains your options in English or Spanish.