General Liability for Florida commercial trucking operators.
Covers premises liability, completed operations, and non-trucking-related injury claims.
Rate band pending. We have not yet extracted a public rate filing from Florida Office of Insurance Regulation for gl in Florida. We will publish a sourced premium band on this page once the filing is reviewed by an expert reviewer. Carrier listings below are unaffected; they are sourced from the carriers' own appointment and license footprints.
Top carriers for gl in Florida
| Carrier | Parent group | AM Best | Notes |
|---|---|---|---|
| Progressive Commercial | The Progressive Corporation | A+ (Superior) (verified 2026-04-27) | Largest commercial-auto insurer in the US by direct premium written. Owner-operator and small-fleet focused. |
| Canal Insurance | Canal Holdings | A- (Excellent) (verified 2026-04-27) | Trucking specialty since 1939; non-standard risks accepted. |
| Great West Casualty | Old Republic International | A+ (Superior) (verified 2026-04-27) | Long-tenured trucking specialist; conservative underwriting, emphasis on loss-control services. |
| Hallmark Financial Services | Hallmark Financial | Not Rated by AM Best | Non-standard commercial auto and trucking. Listed for completeness; AM Best classification has been Not Rated following ratings withdrawal. |
| Nationwide E&S / Specialty | Nationwide Mutual | A+ (Superior) (verified 2026-04-27) | Excess and surplus lines — for risks standard markets decline; higher rates, broader appetite. |
AM Best ratings are populated only when verified against ambest.com. Pending entries reflect that we have not completed verification, not that the carrier's rating is missing or weak.
What drives general liability premiums for Florida trucking operations
Florida general liability (GL) for commercial trucking has materially improved since HB 837 (2023). The reform shortened the negligence statute of limitations from four years to two and adopted modified comparative negligence (51% bar). Both changes apply to GL claims as well as commercial-vehicle claims, and the loss-defense environment has become more favorable for carriers writing Florida GL on trucking risks.
Florida premises liability remains the dominant GL exposure for trucking operations — loading dock claims, fuel-island slip-and-falls, terminal yard injuries. Florida GL underwriting concentrates on operators with significant terminal presence in Miami-Dade, Broward, and around the Ports of Jacksonville, Miami, and Tampa, where pre-reform venue exposure was meaningful. Three years post-reform, underwriters now have enough loss-development data to begin pricing the favorable change in.
Hurricane-season operations create a secondary GL exposure: claims arising from storm-cleanup operations on premises, debris liability, and post-storm public-access risks at damaged terminals. Florida GL policies frequently include named-storm-aware exclusions or sub-limits for storm-related losses on premises.
We have not yet extracted a public Florida Office of Insurance Regulation filing for general liability on commercial trucking risks. The rate band on this page will publish once the filing has been extracted and reviewed by a Florida-licensed producer; until then the carrier table reflects the carriers we expect to write the line based on their published license footprints.
Sources
Reviewer attestation pending. The editorial body above is sourced but has not yet been signed off by a credentialed reviewer.
Florida-specific rules that move premium
Florida HB 837 (2023) shortened the negligence statute of limitations from 4 to 2 years and adopted modified comparative negligence (51% bar). Both materially affect commercial-auto liability exposure for carriers domiciled or operating in Florida.
Florida surplus lines are filed through the Florida Surplus Lines Service Office (FSLSO); 4.94% premium tax plus 0.06% FSLSO service fee applies.
FMCSA jurisdiction: FMCSA Southern Service Center (Atlanta).
State regulator: Florida Office of Insurance Regulation.
GL for specific DOT classes in Florida
Deep pages cover the operator profile, sampling assumptions, and rate band for a single product × state × DOT class. We publish deep pages only after the editorial body and reviewer attestation are complete.
Dispatched is a comparison and matching platform. In Florida, coverage is placed by licensed producers and bound by carriers appointed in FL; Dispatched does not bind coverage. Where we accept your contact information for a quote, that consent will be one-to-one with the named producer partner identified at submission.