Occupational Accident for Florida commercial trucking operators.
Provides medical, disability, and accidental-death coverage for owner-operators not eligible for workers' compensation.
Rate band pending. We have not yet extracted a public rate filing from Florida Office of Insurance Regulation for occ-acc 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 occ-acc 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 occupational-accident premiums in Florida
Florida occupational-accident coverage for owner-operators leased onto motor carriers operates under a relatively stable regulatory framework — Florida workers' compensation is mandatory for employers but excludes independent contractors, and the AB-5-style classification challenges seen in California have not migrated to Florida. Owner-operators leased onto Florida-domiciled carriers rely on occ-acc as the standard injury-coverage substitute for workers' comp.
Florida medical-cost trends and motor-vehicle injury severity are above the national average, which feeds into occ-acc medical-coverage pricing. The state's role as a hurricane-season operations theater also adds a secondary exposure: occ-acc claims arising from storm-related staging operations, debris-clearance work, and post-storm route exposure. Carriers writing Florida occ-acc may include named-storm-aware exclusions or sub-limits for storm-related disability claims.
Coverage limits for Florida owner-operator occ-acc typically follow industry standards: $500,000 medical / $250,000 accidental death / 70% of average weekly earnings disability. Florida carrier lease agreements generally require these limits as a minimum, with some Florida-specialty carriers requiring higher medical limits to reflect Florida's elevated medical cost environment.
We have not yet extracted a public Florida Office of Insurance Regulation filing for occupational-accident coverage on owner-operators. 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.
Occ-Acc 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.