Commercial trucking insurance built for the road
Primary liability, physical damage, cargo, and fleet coverage — for owner-operators and trucking companies moving freight across Florida and the U.S.
Get Your Quote
Fast response from a licensed FL agent.
Coverage that works how you do
Trucking is high-stakes, and the wrong policy can shut your business down. Prime Insurance Group specializes in trucking coverage that keeps you compliant with FMCSA and running profitably.
From single-truck owner-operators to full fleets, we handle authority filings, MC/DOT compliance, cargo, and physical damage in one place.
What's included
Primary Auto Liability
Coverage that meets FMCSA and state minimum requirements for CDL drivers.
Motor Truck Cargo
Protect the freight you haul from damage, theft, and loss.
Physical Damage
Coverage for your tractor, trailer, and equipment.
Non-Trucking Liability
Bobtail coverage for personal use of the truck when not under dispatch.
General Liability
Protects your business from claims not related to a specific accident.
MCS-90 Endorsement
Federally required endorsement for interstate hazardous carriers.
Is this coverage right for you?
- Owner-operators with a single truck and authority
- Small and mid-size fleets running local, regional, or OTR
- New authorities needing a compliant startup package
- Hotshot, box truck, and expedited freight operators
- Companies hauling reefer, dry van, flatbed, or specialty loads
Why Prime Insurance Group
Top-rated carriers we work with
Frequently asked questions
Can you cover a brand new authority?+
Yes. We work with carriers that specialize in new MC/DOT operations — the key is having the right driver history and equipment info.
What limits do I need?+
Federal minimums are $750K for general freight and $1M for household goods, but many shippers and brokers now require $1M primary liability.
Can you file my MCS-90?+
Yes — we handle FMCSA filings for federal authority as part of your policy setup.
Do you cover hotshot and box trucks?+
Absolutely. We have programs for hotshot, box trucks, and CDL/non-CDL operations.
Ready to get covered?
Speak with a licensed Florida agent today. Same-day coverage available for most policies.
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