Physical Damage for Florida commercial trucking operators.
Covers your truck and trailer against collision, theft, and comprehensive perils.
Rate band pending. We have not yet extracted a public rate filing from Florida Office of Insurance Regulation for physical damage 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 physical damage 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 physical damage premiums in Florida
Florida physical damage premiums reflect a distinctive combination of catastrophic-weather exposure and elevated theft frequency that no other state matches. Hurricane-season operations create concentrated dwell-time exposure at non-secured staging locations, and Florida is consistently among the highest-frequency theft states for tractors and trailers — a combination that pushes Florida physical damage rates above the national average for equivalent stated values.
Catastrophic-weather exposure shapes carrier appetite directly. Carriers writing Florida physical damage typically condition coverage on hurricane-protocol compliance: equipment moved to secured inland staging when a named storm enters the warning cone, anti-theft technology on equipment over $150K stated value, and storm-aware deductible structures (separate higher-deductible tier for named-storm losses). Several carriers exclude wind/flood losses entirely on equipment parked at the operator's discretion during a named storm.
Theft frequency in Miami-Dade, Broward, and around the Ports of Jacksonville and Tampa is consistently flagged by industry trackers. Port-adjacent staging is the highest-exposure zone; carriers writing port drayage and intermodal operations may require route-and-stop endorsements or GPS recovery technology as a condition of coverage on high-value tractors.
We have not yet extracted a public Florida Office of Insurance Regulation filing for physical damage on commercial tractors. The carrier table reflects carriers writing the line based on their published license footprints; the rate band will publish once a 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.
Physical Damage 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.