Primary Liability Insurance for Florida commercial trucking operators.
Pays for bodily injury and property damage you cause to others while operating under your authority.
Rate band pending. We have not yet extracted a public rate filing from Florida Office of Insurance Regulation for primary liability 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 primary liability 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 primary liability premiums in Florida
Florida's primary liability rate environment changed materially with HB 837 (2023). The legislation shortened the general negligence statute of limitations from four years to two, replaced pure comparative negligence with a modified 51% bar, and tightened evidentiary rules around medical billing in personal-injury cases. Underwriters watching the Florida book have flagged each of these as moderate-to-favorable for commercial-vehicle primary liability.
Geography matters too. Florida's port cities — Jacksonville, Miami, Port Tampa Bay — concentrate cargo theft and intermodal exposure. Reefer freight running I-95 and I-75 through Florida is a distinct underwriting class, and primary liability rates frequently move together with cargo and reefer-breakdown placement at renewal.
Surplus-lines placements in Florida are filed through the Florida Surplus Lines Service Office (FSLSO). A 4.94% premium tax plus a 0.06% FSLSO service fee applies. Risks declined by admitted Florida carriers — including hot-shot operations under newly-issued MC numbers, certain hazmat classes, and operators with one or more chargeable losses in 36 months — typically place through the surplus-lines channel.
We have not yet extracted a public Florida Office of Insurance Regulation filing for primary liability on commercial trucking. The carrier table below lists the carriers we expect to write the line based on their published license footprints; whether a specific carrier currently has open appetite for your operation is the producer's call at submission.
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.
Primary Liability 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.