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Trucking Insurance in Florida

As of September 28, 2026, Florida requires $50,000 per occurrence for covered commercial motor vehicles at 26,000–under 35,000 pounds, $100,000 at 35,000–under 44,000 pounds, and $300,000 at 44,000 pounds or more. Florida requires proof of this coverage at registration and refuses registration without it; Chapter 2026-39 amends the covered-vehicle wording effective October 1, 2026. 1,2,3

What Is Trucking?

Trucking coverage can address liability, damage to your trucks and cargo losses, but one quote may not include all three. If you haul goods for customers or yourself, compare those protections and check whether the quote needs motor-carrier or other commercial auto coverage. Read the national Trucking guide.

Florida Requirements

RequirementDetails
Covered CMV liability tier$50,000 per occurrence at 26,000–<35,000 lb; $100,000 at 35,000–<44,000 lb; $300,000 at 44,000 lb or more 1
Registration insurance proofProvide proof of required combined bodily-liability and property-damage coverage at registration; issuing agent must refuse registration without proof 2

What to Watch for in Florida

  • Rate By Florida Gross Vehicle Weight

    Florida's statute sets three per-occurrence combined bodily-liability and property-damage amounts based on vehicle gross weight, starting at 26,000 pounds. Match each vehicle's gross weight to the statutory tier and keep this amount separate from any additional carrier, contract, or cargo coverage. 1

  • Coordinate Coverage Before Registration

    Florida requires proof of the coverage required by §627.7415 when applying to register a covered vehicle, and the issuing agent must refuse registration without it. Have the policy evidence ready for the tax collector or authorized agent before a new registration or renewal transaction. 2

  • Recheck Scope On October 1, 2026

    Chapter 2026-39 was enacted with an October 1, 2026 effective date and revises §627.7415's description of covered commercial and qualified motor vehicles; the listed weight amounts remain the same in the amended text. If your vehicle is covered through a qualified-motor-vehicle category, ask your agent and registration office to confirm the classification as the new wording takes effect. 3,1

  • Separate Florida Tiers From Federal Class Rules

    Section 627.7415 also says vehicles subject to 49 CFR Part 387 must meet its financial-responsibility levels. Because those categories depend on the kind of carrier, passenger or hazmat operation, confirm the exact truck and commodity classification; don't apply the three Florida weight tiers as the only requirement. 1

Who Regulates Insurance in Florida

Florida Office of Insurance Regulation

The Florida Office of Insurance Regulation licenses and regulates insurance companies and reviews rates and forms. The Department of Financial Services separately licenses insurance agents and handles consumer insurance complaints; its resource page links to both state license searches. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 4.94% of gross premium plus a 0.03% FSLSO service fee for policies effective July 1, 2026 or later When Florida is the insured’s home state, Florida taxes the entire gross premium at 4.94%; the premium definition includes policy and similar insurance charges. The separate FSLSO service fee is 0.03% for policies effective July 1, 2026 or later. Surplus-lines policies do not receive Florida Insurance Guaranty Association protection. 7,8,9

Florida Surplus Lines Service Office

Providers With Documented State Licenses

No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Questions to Ask Before You Buy in Florida

  1. What is each truck's Florida gross vehicle weight and which §627.7415 per-occurrence tier will the registration proof show?
  2. Will the insurance proof identify this vehicle and satisfy the coverage requirement before the tax collector issues registration?
  3. Does this truck fall within a qualified-motor-vehicle definition added to §627.7415 effective October 1, 2026?
  4. Does our commodity, carrier type, or interstate activity trigger a separate financial-responsibility category in addition to Florida's weight-based tier?

Trucking in Florida: FAQ

What liability limit does Florida require for a commercial truck? 1

$50,000 per occurrence at 26,000 to under 35,000 pounds, $100,000 at 35,000 to under 44,000 pounds, and $300,000 at 44,000 pounds or more for covered vehicles. Confirm the vehicle definition and any additional carrier-class requirements. 1

Does Florida require commercial-truck insurance proof to register? 2

Yes. Florida requires proof of combined bodily-liability and property-damage coverage when registering a vehicle subject to §627.7415, and the issuing agent must refuse registration if the proof is missing. 2

Trucking in Other States

Other Coverage in Florida

Sources

  1. 2025 Florida Statutes §627.7415, Commercial Motor Vehicles; Additional Liability Insurance Coverage. Florida Senate; Subsections (1)–(4); as operative on 2026-09-28 before Chapter 2026-39's October 1 effective date. Accessed 2026-09-28.
  2. 2025 Florida Statutes §320.02, Registration Required; Application for Registration; Forms. Florida Senate; Subsection (5)(a), insurance proof and refusal of registration; subsection (5)(e), carrier registration suspension for lapse. Accessed 2026-09-28.
  3. Chapter 2026-39, Laws of Florida. Florida Legislature / Florida Department of State; §46, amendment to §627.7415; §47, effective October 1, 2026. Accessed 2026-09-28.
  4. Florida Office of Insurance Regulation. Florida Office of Insurance Regulation; Official regulator homepage; insurer regulation. Accessed 2026-09-28.
  5. Resources. Florida Office of the Insurance Consumer Advocate; State page links to DFS agent search and OIR active company search. Accessed 2026-09-28.
  6. Get Insurance Help. Florida Department of Financial Services; Insurance concern and formal complaint intake; consumer helpline. Accessed 2026-09-28.
  7. Florida Statutes § 626.932: Surplus lines tax. Florida Legislature; 4.94% tax on gross premium; home-state taxation; statutory definition of premium. Accessed 2026-09-28.
  8. FSLSO Bulletin 2026-02. Florida Surplus Lines Service Office; Service-fee rate effective July 1, 2026: 0.03%. Accessed 2026-09-28.
  9. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  10. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  11. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  12. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  13. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  14. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  15. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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