Trucking insurance, with the filings handled.
Trucking is the hardest commercial market in Florida and the one where a lapse costs you the most. Authority suspended, loads cancelled, a broker who will not tender to you again. We place the coverage, keep the filings current, and get certificates to brokers the same day.
Coverage for a working fleet
Auto liability
The primary coverage, and the one your operating authority depends on. Limits are usually set by regulation or by the broker contract, whichever is higher.
Physical damage
Your tractor and trailer. Values matter here: stated value, actual cash value, and agreed value settle very differently after a total loss.
Motor truck cargo
What you are hauling, and the exclusions that come with it. Refrigerated freight, electronics, and unattended vehicles all carry conditions worth reading before you accept the load.
Filings
Federal and state filings tied to your authority. A cancellation notice that reaches the regulator before you fix it takes you off the road, so we treat filing status as a live obligation.
Workers compensation
For drivers on payroll, and a clear answer on owner-operators, because how they are engaged changes both the workers compensation and the liability picture.
General liability and premises
The yard, the dock, the shop. Loading and unloading sits on a line between auto and general liability, and brokers frequently require both.
Four things that put South Florida carriers off the road
A cancellation notice reached the regulator first
Missed payment, audit balance, or a paperwork dispute can trigger cancellation, and the filing follows automatically. The first sign is often a broker telling you that you are no longer showing as active.
Your driver list did not match who was driving
Adding a driver without reporting them is the most common coverage argument in trucking. Motor vehicle records, experience, and age all affect rating, and an unlisted driver in a serious loss is exactly where a carrier looks first.
The cargo limit did not match the load
A $100,000 cargo limit is standard until you accept a load worth more. Higher-value freight needs the limit raised before dispatch, not after the claim.
Owner-operators were treated as if they were covered
Whether an owner-operator runs under your authority, carries their own occupational accident cover, and appears on your filings decides who pays after a loss. Assumptions here are expensive.
Certificates to brokers, same day
A load you cannot cover is a load you do not run. Tell us the broker and the load, and the certificate goes out. We keep your filings current so the authority question never comes up at the worst moment.