Primary Liability Insurance for FL class 8 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 class 8 tractor operators in Florida. The carriers writing the line are listed below; the band will publish here once a filing is reviewed.
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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 Class 8 tractor operators in Florida
Florida Class 8 primary liability is shaped by HB 837 (2023), which shortened the negligence statute of limitations from four years to two and replaced pure comparative negligence with a modified 51% bar. Underwriters watching the Florida Class 8 book have flagged each of these as moderate-to-favorable for primary liability rates compared to the pre-reform environment, particularly for fleet risks running I-95 and I-75 through Florida.
Geography drives a second layer. Class 8 lanes feeding the Ports of Jacksonville, Miami, and Tampa concentrate intermodal exposure, and reefer-tractor combinations operating on Florida produce lanes carry distinct cargo-related liability that overlaps with primary liability in subrogation contexts. Hurricane-season operations also create staging exposure — staging yards with high concentrations of dwell-time tractors during storm activity push insurers to scrutinize parking and security practices.
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 on top of the carrier's base rate. Class 8 risks declined by admitted Florida carriers — typically those with chargeable losses, certain hazmat classes, or non-standard operations — typically place through the surplus-lines channel.
We have not yet extracted a public Florida Office of Insurance Regulation filing for primary liability on Class 8 risks. The rate band will publish once the filing is 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.