Habana First Rate Ins
Insurance for Long Haul & Intrastate Truckers
Habana First Rate Ins covers personal auto and commercial trucking — from long haul interstate freight to intrastate Florida operations. Fast quotes, expert guidance, first-rate service.
What We Offer
Coverage for Every Mile You Run
Whether you're hauling cross-country or running intrastate routes in Florida, we have the right policy for your operation.
Personal Auto Insurance
Comprehensive personal auto coverage including liability, collision, comprehensive, uninsured motorist, and PIP — tailored to your vehicle and budget.
Auto Liability Insurance
Bodily injury and property damage liability for personal and commercial vehicles — the required foundation of every auto and trucking policy in Florida.
Long Haul & Intrastate Trucking
FMCSA-compliant primary liability for interstate long haul operators and Florida state-compliant coverage for intrastate runs — built for your specific routes.
Motor Truck Cargo Insurance
Protect the freight you haul from loss or damage in transit — dry van, reefer, flatbed, and specialized loads covered for both long haul and intrastate runs.
Excess Cargo Liability
When your freight value exceeds primary cargo limits, excess cargo liability covers the gap — essential for high-value loads like electronics, pharmaceuticals, and perishables.
Physical Damage Insurance
Covers repair or replacement of your tractor and trailer after collision, fire, theft, vandalism, or weather — protecting your most valuable asset on every run.
Bobtail & Non-Trucking Liability
Covers you off-dispatch — driving home after a drop, repositioning between loads, or personal use. Fills the gap your primary trucking liability leaves behind.
CGL — Trucking & Commercial Properties
Commercial general liability for your trucking operation and commercial properties — covering third-party bodily injury, property damage, premises liability, and more.
DOT Numbers & Operating Authority Permits
We help new and existing carriers get their USDOT number, MC authority, UCR registration, and Florida intrastate permits — road-legal from day one.
BOC-3 Process Agent Filing
The FMCSA requires a BOC-3 filing before your MC authority activates. We designate process agents in all 50 states and file fast so your authority isn't held up.
UCR — Unified Carrier Registration
Annual UCR registration is federally required for all interstate carriers, brokers, and forwarders. We handle your filing and keep you compliant year after year.
Professional Liability (E&O)
Protects consultants, agents, and service providers from client claims of negligence, errors, or omissions that caused financial harm — one lawsuit can be devastating without it.
Garage Liability Insurance
Built for auto dealers, repair shops, towing operations, and service stations — covers bodily injury, property damage, and customer vehicles in your care.
Business Owner Policy (BOP)
Bundles general liability and commercial property into one affordable package — ideal for small to mid-size businesses that want broad protection at a lower combined premium.
Workers' Compensation Insurance
Required by Florida law for most employers. Covers medical expenses, lost wages, and rehabilitation when an employee is injured on the job — and protects your business from lawsuits.
20+
Years Trusted
Why Choose Us
Why Truckers Choose Habana
We know the difference between a long haul run and an intrastate route — and we build policies that match your actual operation.
Years of Experience
Two decades specializing in personal auto and commercial trucking insurance — long haul and intrastate — across Florida and beyond.
Five-Star Rated
Consistently rated five stars by owner-operators and fleet managers for speed, expertise, and genuine care.
Quote Turnaround
We move fast. Most clients get a quote and are covered the same day — so you're never sitting idle waiting on paperwork.
Client Stories
What Our Clients Say
Real stories from real drivers and truckers we've had the privilege of protecting.
"I run long haul routes from Miami to Atlanta. Habana got me primary liability and cargo coverage same day. They know exactly what interstate operators need."
Roberto M.
Miami, FL — Long Haul Owner-Operator
"I do intrastate runs all over Florida and needed coverage fast. Habana understood the state requirements and had me insured before my next load."
Carlos D.
Hialeah, FL — Intrastate Operator
"I have my personal car and my commercial truck both insured through Habana. One call, one agent, everything handled. That's exactly what I needed."
Luis V.
Doral, FL — Fleet Owner
Ready to Get Covered?
Long haul, intrastate, or personal auto — get a fast, personalized quote from our specialists today.
