Primary Liability Insurance for FL box truck owner-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 Florida Office of Insurance Regulation filing for primary liability on box truck 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
Primary liability for box truck operators in Florida
Box truck operations in Florida (Class 3-6 straight trucks, 10,001-26,000 lbs GVWR) concentrate in metropolitan delivery in the Miami / Fort Lauderdale / West Palm Beach corridor, the Tampa / St. Petersburg / Clearwater area, Jacksonville, and Orlando. Most Florida box truck primary liability is written through the same commercial-auto carriers as Class 8 risks — Progressive Commercial, Sentry, Great West — but the underwriting profile is materially different: shorter average radius, lower overall VMT, smaller exposure per power unit, and a different mix of routing risks dominated by metro stop-and-go.
HB 837 (2023) trial-structure reforms apply to box truck risks the same as Class 8. The reform's favorable rate effect is most visible on long-haul Class 8 books, but box truck primary liability has also benefited from the 2-year statute of limitations and the modified comparative negligence rule. Three years post-reform, underwriters now have enough loss-development data to begin pricing the favorable change in.
Hurricane-season operations create a secondary exposure for Florida box truck operators. Local delivery routes are typically suspended during named-storm activity, but post-storm cleanup and supply-chain restoration drive elevated route exposure with debris hazards and reduced traffic-control infrastructure. Carriers writing Florida box truck primary liability may include named-storm-aware exclusions or sub-limits.
We have not yet extracted a public Florida Office of Insurance Regulation filing for primary liability on box truck risks. The rate band on this page will publish once the filing has been extracted and reviewed by a Florida-licensed producer.
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.