Core coverages in this program
- •Commercial Auto Liability (with MCS-90 endorsement)
- •Motor Truck Cargo
- •Physical Damage (tractor, trailer, equipment)
- •Non-Trucking Liability / Bobtail
- •Trailer Interchange
- •Workers' Compensation or Occupational Accident
- •General Liability & Umbrella
Florida requirements for trucking & transportation businesses
Florida has no separate intrastate motor-carrier authority for most for-hire trucking, so FMCSA authority plus Florida's $10,000/$20,000/$10,000 statutory minimums govern. Florida's litigation environment and heavy tourist-corridor traffic keep auto liability among the priciest in the Southeast.
Workers' compensation in Florida
Florida requires workers' compensation at one employee for construction, four employees for most non-construction businesses, and one employee for agricultural operations with a seasonal threshold. Rates are developed through NCCI, with rates filed through the Florida Office of Insurance Regulation, and trucking & transportation payroll typically rates at $6 to $14 per $100 of payroll for long-haul and local trucking class codes. Named-storm deductibles, roof-age underwriting, and Citizens/E&S property placements dominate Florida property pricing. Liability is usually easy to place; property is where the program gets structured.
What Florida operators actually pay in 2026
The ranges below reflect what KTL clients in Florida pay today for a small-to-midsize operation, adjusted for Florida rating. Your actual premium turns on payroll, revenue, loss history, and — more than anything — whether the risk was classified correctly to begin with.
| Coverage | What it covers | Typical FL annual cost |
|---|---|---|
| Primary Auto Liability | Per power unit, $1M CSL | $9,000 – $16,000 |
| Motor Truck Cargo | $100K limit | $1,200 – $3,200 |
| Physical Damage | Per unit, ~1.5–3% of value | $2,500 – $6,500 |
| Non-Trucking Liability | Per owner-operator | $450 – $1,100 |
| General Liability | $1M/$2M | $900 – $2,400 |
The Florida angle most brokers miss
Florida's plaintiff bar and PIP environment push settlements up. Higher umbrella limits are usually cheaper than the exposure they close.
Exposures we underwrite for Florida accounts
Every submission we send out is built around the specific ways businesses in this class actually have claims. That is what separates a benchmarked program from a rate quote.
- •Nuclear verdicts on interstate bodily-injury claims
- •Cargo theft and reefer breakdown losses
- •Lapsed filings shutting down operating authority
- •New-venture and new-driver underwriting surcharges
- •Owner-operators running without adequate bobtail coverage
Where we write in Florida
We serve Florida clients remotely by phone, email, and video — no office visit required — with concentrations in Miami–Dade, Broward, Orlando, Tampa Bay, Jacksonville, Fort Myers. New business, renewals, mid-term changes, and certificates are all handled directly by a licensed advisor rather than a call center.
Ready for a benchmarked quote?
A KTL specialist will shop your risk across multiple A-rated markets within one business day.