Transportation Insurance in Florida | Local, Intrastate & Long-Haul Fleets

Transportation Insurance in Florida

Florida’s roads connect more than beaches — they’re the backbone of the Southeast’s freight and delivery network. Whether your company hauls goods across town or across state lines, you need insurance protection that keeps your business rolling.

At Barefoot Insurance Brokers, we specialize in Transportation Insurance for trucking companies, delivery operations, and logistics fleets throughout Florida. From single-unit operators to multi-vehicle fleets, we provide coverage that meets state and federal requirements while protecting your trucks, drivers, and cargo.

Who Needs Transportation Insurance?

If your business uses trucks or commercial vehicles to move products or people for profit, transportation insurance is essential. Our clients include:

  • Long-haul trucking companies
  • Local and intrastate delivery fleets
  • Freight brokers and owner-operators
  • Moving and storage companies
  • Construction material haulers
  • Tow truck operators
  • Refrigerated and dry van carriers
  • Flatbed and heavy equipment transporters

Each type of operation faces different risks — from auto liability to cargo theft and driver injury. Barefoot Insurance Brokers helps tailor coverage for your specific routes, vehicles, and commodities.

Transportation Insurance Coverage Options

A strong transportation insurance policy protects your vehicles, drivers, and freight from accidents, theft, and unexpected loss. Our policies can include:

Auto Liability

Required by law for all commercial trucks and vehicles operating in Florida. Covers injury or property damage to others in an accident where your driver is at fault.

Physical Damage

Covers your owned vehicles against collision, fire, theft, vandalism, and storm damage. Essential for protecting your investment in tractors, trailers, and service trucks.

Motor Truck Cargo

Protects the goods you haul from loss or damage while in transit. Required by most freight brokers and shippers.

General Liability

Provides coverage for accidents or damage that occur off the road — such as loading, unloading, or at your terminal.

Bobtail/Non-Trucking Liability

Protects owner-operators when driving their truck for non-business purposes, such as between dispatches or while off duty.

Trailer Interchange

Covers physical damage to trailers not owned by you but used under a trailer interchange agreement.

Workers’ Compensation

Protects drivers and employees from workplace injuries, medical expenses, and lost wages.

Occupational Accident Coverage

A cost-effective alternative for owner-operators not covered by workers’ comp.

Barefoot Insurance Brokers can combine these into a single, comprehensive policy for your entire operation.

Local, Intrastate & Long-Haul Trucking Coverage

Local Operations

If your trucks operate within a single city or county — such as food distributors in Broward or construction haulers in Brevard — we’ll focus on affordable, high-limit liability and physical damage protection for short-distance routes.

Intrastate Carriers

Businesses that transport goods within Florida’s borders (but beyond a single city) must comply with Florida Department of Transportation (FDOT) and Department of Highway Safety (FLHSMV) regulations. We’ll ensure your coverage meets state filing requirements for operating authority.

Long-Haul & Interstate Carriers

For trucking companies crossing state lines, we offer FMCSA-compliant insurance that satisfies federal motor carrier filings such as Form BMC-91X and MCS-90. Our markets can accommodate fleets running regional or national routes, including to Georgia, Alabama, Texas, and beyond.

Whether you’re hauling refrigerated goods to Jacksonville, building materials to Pensacola, or consumer products into Texas, we can cover your fleet from hub to hub.

Meeting Florida’s Legal & Contractual Requirements

Florida law requires all commercial trucking companies to maintain specific liability limits depending on their cargo and weight class. In addition, many shippers and brokers require certificates showing proof of insurance before assigning loads.

Barefoot Insurance Brokers helps ensure compliance with:

  • FMCSA filings (BMC-91X, MCS-90)
  • FDOT and FLHSMV registration requirements
  • Leased operator and broker agreements
  • Cargo and warehouse liability provisions

Our agents can file certificates directly with freight brokers, ports, and warehouses so your trucks never sit idle waiting for paperwork.

Managing Transportation Risk in Florida

Operating in Florida means dealing with unique risks: tropical weather, congested highways, and high theft exposure. We help fleets manage those risks through:

  • Storm and flood protection for vehicles and cargo
  • Coverage extensions for power units stored or serviced at coastal facilities
  • Anti-theft endorsements for high-risk corridors like I-95 and I-75
  • 24/7 claims support and roadside assistance through top-rated carriers

We work with insurers who understand Florida’s logistics landscape — including long-haul routes into the Gulf Coast and Southeast distribution networks.

Why Choose Barefoot Insurance Brokers

As an independent Florida agency, Barefoot Insurance Brokers partners with national carriers that specialize in trucking and logistics insurance. We provide competitive pricing, local service, and compliance support for every size fleet.

Our clients trust us for:

  • Multi-carrier comparisons for the best coverage and rates
  • Fast certificate issuance for new contracts
  • Assistance with DOT filings and MCS-90 endorsements
  • Custom packages including cargo, auto, and workers’ comp
  • Personalized service from agents who understand the Florida market

Whether you’re operating one box truck or managing a 50-unit fleet, we can help you stay on the road, compliant, and fully protected.

Get a Transportation Insurance Quote Today

Keep your fleet rolling with reliable protection tailored to your operation. Barefoot Insurance Brokers will compare multiple transportation insurance markets to find your best rate and coverage.

📞 Call Barefoot Insurance Brokers at 954-368-0060 for your transportation insurance quote today, or email one of our licensed Florida agents:

Barefoot Insurance Brokers — keeping Florida’s transport industry protected, mile after mile.