Our Services
Long Haul, Intrastate & Personal Auto Coverage
We specialize in the coverages that matter most to Florida truckers — whether you're crossing state lines or running local routes every day.
Personal Auto Insurance
Protect yourself, your passengers, and your vehicle with a personal auto policy built around your needs. We shop multiple carriers to find you the best rate without sacrificing coverage.
- Bodily Injury Liability
- Property Damage Liability
- Collision Coverage
- Comprehensive Coverage
- Uninsured / Underinsured Motorist
- Personal Injury Protection (PIP)
Long Haul — Interstate Trucking
Long haul operators crossing state lines need FMCSA-compliant primary liability, plus physical damage and cargo coverage that follows your truck from origin to destination. We build policies for the full interstate run.
- FMCSA Primary Liability
- Interstate Cargo Coverage
- Physical Damage — Tractor & Trailer
- Bobtail & Deadhead Coverage
- Fast DOT Authority Filings
- Owner-Operators & Fleets
Intrastate — Florida Operations
Running routes entirely within Florida? Intrastate operators have their own state-level requirements. We know Florida's rules and make sure your policy is compliant and complete for every local run.
- Florida State Compliance
- Intrastate Primary Liability
- Local & Regional Cargo
- Physical Damage Coverage
- Bobtail & Non-Trucking Liability
- Competitive Intrastate Rates
Motor Truck Cargo Insurance
Cargo insurance protects the freight you're hauling from loss or damage in transit — whether you're running long haul interstate or intrastate Florida routes. We tailor coverage to your specific load type, commodity, and routes so you're never underinsured on a haul.
- Dry Van & Refrigerated Cargo
- Flatbed & Specialized Loads
- Loading & Unloading Coverage
- Refrigeration Breakdown
- Earned Freight Coverage
- High-Value & Hazmat Options
Excess Cargo Liability
When the value of your freight exceeds your primary cargo policy limits, excess cargo liability steps in to cover the gap. High-value loads — electronics, pharmaceuticals, perishables, machinery — can quickly surpass standard limits. Excess cargo coverage gives shippers and brokers the confidence to trust you with their most valuable freight, and protects your business from a catastrophic out-of-pocket loss.
- Coverage Above Primary Cargo Limits
- High-Value & Specialty Loads
- Electronics, Pharma & Perishables
- Machinery & Heavy Equipment
- Broker & Shipper Requirement Compliance
- Long Haul & Intrastate Operations
Physical Damage Insurance
Your truck is your most valuable asset. Physical damage coverage pays for repair or replacement of your tractor and trailer after a collision, fire, theft, vandalism, or weather event — keeping your rig on the road and your business moving. Available for owner-operators and fleets running long haul or intrastate routes.
- Collision Coverage
- Comprehensive Coverage
- Fire, Theft & Vandalism
- Tractor & Trailer
- Agreed Value Options
- Long Haul & Intrastate
Auto Liability Insurance
Auto liability insurance covers bodily injury and property damage you cause to others in an accident — whether you're driving a personal vehicle or a commercial truck. It's the foundation of any auto or trucking policy and required by law in Florida. We make sure your limits are right for your exposure.
- Bodily Injury Liability
- Property Damage Liability
- Florida State Minimums Met
- Higher Limits Available
- Personal & Commercial Vehicles
- Fast Certificate Issuance
Bobtail & Non-Trucking Liability
Bobtail and non-trucking liability covers you when you're operating your truck outside of an active dispatch — driving home after a drop, repositioning between loads, or using your truck for personal use. Your primary trucking liability only applies while under dispatch, so this coverage fills a critical gap every owner-operator needs.
- Off-Dispatch Coverage
- Personal Use Protection
- Bobtail Operations
- Deadhead & Repositioning
- Affordable Add-On
- Long Haul & Intrastate
DOT Numbers & Operating Authority Permits
Before you can legally haul freight across state lines — or even within Florida on certain routes — you need the right federal and state registrations in place. We help owner-operators and new carriers navigate the DOT number application, MC authority filing, UCR registration, and Florida intrastate permit process so you're road-legal from day one.
- USDOT Number Application
- MC Authority (Motor Carrier) Filing
- UCR (Unified Carrier Registration)
- Florida Intrastate Permits
- New Authority Setup & Guidance
- Owner-Operators & New Carriers
UCR — Unified Carrier Registration
The Unified Carrier Registration (UCR) is a federally mandated annual registration required for all interstate motor carriers, freight brokers, leasing companies, and freight forwarders operating in the United States. Fees are based on fleet size and must be renewed each year. Operating without a current UCR registration can result in fines and out-of-service orders. We handle your UCR filing so you stay compliant and keep moving.
- Annual UCR Filing
- All Interstate Carriers Required
- Fleet-Size Based Fee Calculation
- Freight Brokers & Forwarders
- Renewal Reminders & Compliance
- Fast Processing & Confirmation
BOC-3 Process Agent Filing
The BOC-3 is a federal filing required by the FMCSA for any carrier or broker seeking interstate operating authority. It designates a process agent in every state to accept legal documents on your behalf. Without it, the FMCSA will not activate your MC authority. We handle the filing quickly so your authority is activated without delay.
- FMCSA-Required for Interstate Authority
- Process Agent in All 50 States
- Required Before MC Authority Activates
- Fast Turnaround Filing
- New Authority & Reinstatements
- Brokers, Carriers & Freight Forwarders
Occupational Accident
Owner-operators aren't covered by traditional workers' comp. Occupational accident insurance provides medical expense coverage, disability benefits, and accidental death coverage if you're injured on the job.
- Medical Expense Coverage
- Temporary & Permanent Disability
- Accidental Death Benefit
- Ideal for Owner-Operators
- Long Haul & Intrastate
- Affordable Premiums
Commercial General Liability — Trucking
Commercial general liability (CGL) protects your trucking business from third-party claims of bodily injury or property damage that occur away from the road — at a shipper's dock, a receiver's warehouse, your terminal, or anywhere you conduct business. Required by many shippers and brokers as a condition of doing business.
- Premises & Operations Coverage
- Products & Completed Operations
- Personal & Advertising Injury
- Contractual Liability
- Required by Many Shippers & Brokers
- Long Haul & Intrastate Operations
Commercial General Liability — Commercial Properties
Own or operate a commercial property? CGL for commercial properties protects property owners, landlords, and business operators from third-party claims of bodily injury or property damage arising from your premises — slip-and-fall incidents, structural hazards, tenant injuries, and more. Essential coverage for any business with a physical location.
- Premises Liability Coverage
- Slip, Trip & Fall Claims
- Tenant & Visitor Injury
- Property Damage to Third Parties
- Legal Defense Costs Included
- Landlords, Owners & Operators
Professional Liability Insurance
Also known as Errors & Omissions (E&O) insurance, professional liability protects your business when a client claims your professional advice, service, or failure to perform caused them financial harm. Whether you're a consultant, agent, contractor, or service provider, one lawsuit can be devastating without the right coverage in place.
- Errors & Omissions (E&O) Coverage
- Negligence & Misrepresentation Claims
- Legal Defense Costs
- Settlements & Judgments
- Consultants, Agents & Service Providers
- Customized to Your Profession
Garage Liability Insurance
Garage liability is designed for auto dealers, repair shops, service stations, and towing operations. It covers bodily injury and property damage claims arising from your garage operations — including customer vehicles in your care, custody, or control. If your business touches other people's vehicles, garage liability is essential.
- Bodily Injury & Property Damage
- Garagekeepers Coverage Available
- Customer Vehicles in Your Care
- Auto Dealers & Repair Shops
- Towing & Service Stations
- Operations & Premises Coverage
Business Owner Policy (BOP)
A Business Owner Policy bundles general liability and commercial property insurance into one affordable package — ideal for small to mid-size businesses. A BOP protects your business from third-party injury claims, property damage, and business personal property loss, often at a lower combined premium than purchasing each coverage separately.
- General Liability Coverage
- Commercial Property Coverage
- Business Personal Property
- Business Interruption Coverage
- Affordable Bundled Premium
- Small to Mid-Size Businesses
Workers' Compensation Insurance
Workers' compensation is required by Florida law for most businesses with employees. It covers medical expenses, lost wages, and rehabilitation costs when an employee is injured or becomes ill on the job — and protects your business from costly lawsuits. We help you find the right carrier and class codes to keep your premiums as low as possible.
- Medical Expense Coverage
- Lost Wage Replacement
- Rehabilitation & Recovery
- Employer Liability Protection
- Florida State Compliance
- All Industries & Class Codes
Insurance Companies We Work With
We shop multiple top-rated carriers to find you the best coverage at the most competitive rate — so you get the right policy, not just the first one.
Don't see your current carrier? We work with many additional markets — contact us and we'll find the right fit.
Premium Finance Partners
Need to spread your premium payments over time? We work with two trusted finance companies to make your coverage affordable from day one.
Standard Premium Finance
One of the largest premium finance companies in the U.S., offering flexible payment plans for commercial and trucking insurance policies.
IPFS Corporation
A leading national premium finance company providing fast approvals and convenient payment options for businesses of all sizes.
Not Sure Which Coverages You Need?
Tell us whether you run long haul, intrastate, or both — and we'll build the right policy package for your operation.