Trucking Insurance
Built for Florida
From solo owner-operators to full refrigerated fleets, Bulls Insurance Group builds commercial trucking programs that keep you compliant, protected, and moving. One relationship for all your coverage — liability, cargo, physical damage, and more.
Every Coverage Your Truck Needs
We build complete trucking programs — not just a liability policy. Here's what we cover.
Primary Auto Liability
The foundation of every commercial truck policy. Covers bodily injury and property damage you cause to others while operating your truck. FMCSA requires minimums of $750K–$5M depending on cargo type.
- $750K minimum for general freight
- $1M for most interstate carriers
- $5M for hazardous materials
- Covers liability to third parties
Physical Damage
Covers repairs or replacement of your truck and trailer from collision, fire, theft, vandalism, weather, and other physical losses. Your truck is your business — protect the asset.
- Collision coverage
- Comprehensive (fire, theft, weather)
- Covers owned & leased equipment
- Agreed value or actual cash value options
Motor Truck Cargo
Protects the freight you're hauling against damage, theft, or loss during transport. Shippers and brokers often require proof of cargo coverage before assigning loads.
- Covers damage to freight in transit
- Theft and hijacking protection
- Load-specific coverage available
- Reefer breakdown for refrigerated loads
Non-Trucking Liability
Covers owner-operators when driving their truck for personal use — outside of dispatch. Your motor carrier's policy only covers you while under load. This fills the gap.
- Coverage when off-dispatch
- Personal use of your truck
- Bobtailing (no trailer attached)
- Deadheading between loads
Occupational Accident
Owner-operators don't have employer workers' comp. Occupational accident coverage replaces income, covers medical bills, and provides a death benefit if you're injured or killed on the job.
- Medical expense coverage
- Disability income replacement
- Accidental death benefit
- Survivor benefits for your family
Workers' Compensation
Required for any fleet that employs drivers in Florida. Covers medical costs and lost wages for employees injured on the job — and protects you from lawsuits.
- Medical treatment for injured drivers
- Lost wage replacement
- Florida compliance required
- Protects employer from lawsuits
How Florida Truckers Use Their Coverage
Business protection and personal peace of mind — both matter on the road.
Marcus T.
Owner-Operator, 2 Trucks — Bradenton, FL
The Business Risk
Marcus runs 2 Kenworth T680s hauling refrigerated freight across the Southeast. His trucks represent $380K in equipment. One bad accident, cargo claim, or breakdown without the right coverage could wipe him out.
The Coverage
Primary liability ($1M), physical damage on both trucks, reefer cargo coverage, and occupational accident since he has no workers' comp as an owner-operator. Total cost: less than he expected.
The Personal Side
Marcus's wife stays home with 3 kids. The occupational accident policy pays his income if he's injured and can't drive — and provides a $500K benefit to his family if something happens to him on the road.
The IUL Layer
On top of his trucking coverage, Marcus uses an IUL policy as his retirement account (no employer = no 401k) and additional death benefit. His family is protected in business AND in life.
The Personal Side Nobody Talks About
Trucking is hard on families. Long hauls, dangerous roads, physical wear — your family is at home hoping you make it back. The right insurance doesn't just protect the business. It tells your spouse and kids that if something ever happens on I-75, they're going to be okay. The mortgage gets paid. The college fund is intact. That peace of mind is worth more than any load. We help you build that layer too.
Federal Liability Minimums
for Interstate Carriers
If you operate under your own DOT authority across state lines, the FMCSA sets minimum liability insurance requirements. Your coverage must meet or exceed these thresholds — or your operating authority is at risk.
Cargo Type
Required Min.
Note
General Freight
$750,000
Most common for dry van operators
Household Goods
$300,000
Moving and storage operations
Oil & Gas
$1,000,000
Non-bulk hazmat operations
Hazardous Materials
$5,000,000
Bulk hazmat transportation
Passenger (15+)
$5,000,000
Commercial bus/charter operations
Requirements current as of 2026. Intrastate carriers may have different Florida-specific requirements. Ask us to review your specific operation.
Why Florida Truckers
Choose Us
Florida Specialists
We understand Florida's unique trucking corridors — I-4, I-75, the Turnpike — and the freight lanes that run through Bradenton, Tampa, Miami, and Jacksonville. We write policies for this market.
Independent Agency
We shop your coverage across 25+ commercial carriers — not just one company. You get competitive options and a policy that actually fits your operation.
Fast Certificates
Brokers and shippers need certificates fast. We issue same-day certificates of insurance so you don't lose loads waiting on paperwork.
Claims Advocacy
When you have a claim, we're in your corner — not the insurance company's. We help you document, file, and fight for a fast, fair settlement.
Owner-Op to Full Fleet
Whether you have 1 truck or 50, we build programs that scale with you. Our fleet pricing kicks in at 3+ units.
FMCSA Compliance
We make sure your filings are correct — MCS-90, Form E, and state filings — so you stay compliant and your authority stays active.
Get Your Trucking
Insurance Quote Today
Fill out the form and a commercial trucking specialist will get back to you fast — often same day. We shop 25+ carriers to find you the best rate for your specific operation.
Trucking Insurance Quote
Tell us about your operation and we'll get you rates fast.