Motor Truck Cargo for Florida commercial trucking operators.
Covers freight you are hauling against loss, theft, and damage in transit.
Rate band pending. We have not yet extracted a public rate filing from Florida Office of Insurance Regulation for cargo 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 cargo 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 motor truck cargo premiums in Florida
Florida is one of the highest-frequency cargo theft states in the country. Industry trackers consistently rank Miami-Dade, Hialeah, and the corridors around Port Tampa Bay among the top cargo-theft venues nationally; underwriters price that exposure into the base rate for any Florida-operating cargo policy. The default $100,000 cargo limit is regularly adjusted upward for refrigerated, electronics, and pharma freight on Florida lanes.
Hurricane-season operations add a second layer. Tractor-trailer staging and re-routing during Atlantic storm activity creates concentrated dwell-time exposure at non-secured locations, and several carriers require unattended-vehicle endorsements or hard parking-only restrictions as a condition of writing high-value commodity classes through Florida lanes.
Cargo claims are governed federally by the Carmack Amendment (49 U.S.C. § 14706). Florida courts apply the federal framework consistently. HB 837 (2023) reshaped general negligence litigation in Florida, but its direct effect on cargo coverage — which is governed by Carmack rather than tort law — is minimal; the indirect effect on overall commercial-vehicle premium environments is more visible on primary liability than cargo.
We have not yet extracted a public Florida Office of Insurance Regulation filing for motor truck cargo. The rate band will publish once the filing is reviewed by a Florida-licensed producer.
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.
Cargo 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.