Physical Damage for FL class 8 owner-operators.
Covers your truck and trailer against collision, theft, and comprehensive perils.
Rate band pending
We have not yet extracted a public Florida Office of Insurance Regulation filing for physical damage on class 8 tractor operators in Florida. The carriers writing the line are listed below; the band will publish here once a filing is reviewed.
Free quote · No credit pull · 1 minute
Send your operator profile to ACME Trucking Insurance Brokers.
Carriers writing in FL
5 carriers we expect to quote this risk in Florida.
AM Best ratings shown below were verified directly. Whether a specific carrier currently has open appetite for your operation is the producer's call at submission.
Progressive Commercial
The Progressive Corporation
Largest commercial-auto insurer in the US by direct premium written. Owner-operator and small-fleet focused.
A+ (Superior)Canal Insurance
Canal Holdings
Trucking specialty since 1939; non-standard risks accepted.
A- (Excellent)Great West Casualty
Old Republic International
Long-tenured trucking specialist; conservative underwriting, emphasis on loss-control services.
A+ (Superior)Hallmark Financial Services
Hallmark Financial
Non-standard commercial auto and trucking. Listed for completeness; AM Best classification has been Not Rated following ratings withdrawal.
Not RatedNationwide E&S / Specialty
Nationwide Mutual
Excess and surplus lines — for risks standard markets decline; higher rates, broader appetite.
A+ (Superior)AM Best ratings change. Dispatched displays the rating only when verified against ambest.com and stamped with the verification date in our data layer. Pending entries reflect that we have not completed verification — not that the carrier's rating is missing or weak.
Editorial
Physical damage for Class 8 tractor operators in Florida
Physical damage on Florida-operating Class 8 tractors carries a distinctive risk profile: hurricane-season catastrophic exposure, elevated theft frequency in Miami-Dade and around Florida ports, and a rate environment that prices both factors above the national average. For a $120,000 stated value 2020 model-year Class 8 tractor, Florida physical damage typically prices 15-30% above the equivalent risk operating in lower-catastrophe, lower-theft states.
Hurricane-season operations create concentrated dwell-time exposure. Carriers writing Florida Class 8 physical damage typically condition coverage on hurricane-protocol compliance: equipment moved to secured inland staging when a named storm enters the warning cone, a separate higher-deductible tier for named-storm losses, and exclusions for wind/flood losses on equipment parked at the operator's discretion during a named storm. Operators routing Florida lanes between June and November should expect protocol-compliance documentation requirements at renewal.
Theft frequency in Miami-Dade, Broward, and around the Ports of Jacksonville and Tampa is consistently among the highest in the country for Class 8 tractors. Port-adjacent staging is the highest-exposure zone; carriers writing physical damage on Class 8 tractors with significant port drayage or intermodal operations may require route-and-stop endorsements, GPS recovery technology, or hard-parking conditions on equipment over $150,000 stated value.
We have not yet extracted a public Florida Office of Insurance Regulation filing for physical damage on Class 8 tractors. The rate band will publish once a filing is reviewed.
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.