Do you cover tractors parked in a hurricane zone?

Yes. Most Florida trucking policies we write include physical damage with separate named-storm deductibles. The deductible is typically higher than the comprehensive deductible, but the coverage is in place when a storm hits.

Do you write port drayage at JAXPORT, Miami, and Port Everglades?

Yes. UIIA Certificates of Insurance are filed with the IANA for any Equipment Provider at JAXPORT, Port Miami, Port Everglades, and inland intermodal ramps the same business day.

Why is Florida trucking insurance more expensive than other states?

Three reasons: hurricane exposure, the Florida tort environment, and high uninsured motorist rates in some areas. We work directly with E&S markets to keep premium competitive without sacrificing the limits and endorsements you need.

Can you write coverage for out-of-state carriers running into Florida?

Yes. We write interstate carriers with Florida exposure regularly. The policy is rated to reflect actual Florida miles and any port drayage activity.

Florida Trucking Insurance

Port Drayage, Long-Haul & Hurricane-Aware Coverage

Florida is a major intermodal and trucking corridor — Port of Jacksonville (JAXPORT), Port Miami, and Port Everglades all generate significant drayage volume, and the state's hurricane exposure creates physical damage challenges most other states do not face. Truxsurance writes Florida trucking with the right hurricane endorsements and same-day UIIA filings.

Same-day indications available.

Some of the insurance markets we work with

Carrier availability varies by state, operation type, fleet size, and underwriting requirements.

Who This Program Is For

Drayage carriers at JAXPORT, Port Miami, and Port Everglades

Florida-based long-haul and regional fleets

Out-of-state carriers running into Florida

Owner-operators and small fleets domiciled in Florida

Auto transport and produce haulers

Florida Trucking Underwriting Realities

This is what underwriters actually look at:

Hurricane exposure inflates physical damage premium
Florida tort environment drives high jury verdicts
Port drayage requires UIIA filings
PIP and PD-only policies are not enough for commercial
Many southeast E&S markets restrict Florida appetite during storm season

Most retail agents stop here. We do not.

How We Place Florida Trucking Risks

We do not just submit applications — we structure them for the way underwriters actually decide.

E&S markets that maintain Florida appetite year-round

Hurricane-aware physical damage with proper named-storm deductibles

UIIA filings for JAXPORT, Port Miami, and Port Everglades

Florida-specific filings handled in-house

Real Placement Example

6-truck drayage fleet — Jacksonville

Exposure

100% port drayage from JAXPORT (TraPac, SSA, Crowley terminals)
Storage yard in hurricane evacuation zone
1 prior wind/hail physical damage claim

Result

$1M Auto Liability + UIIA Certificate filed with IANA
Physical Damage with separate named-storm deductible
All filings transmitted same business day

Three retail brokers could not place this account due to the hurricane exposure. We bound through E&S in 5 business days.

What Florida Trucking Insurance Costs

Real numbers — not guesses.

Florida owner-operator	$8,000 – $15,000 / year
Florida small fleet (2–10 units)	$18,000 – $80,000 / year
Florida drayage fleet	$28,000+ depending on exposure
Hurricane-zone yard storage	Custom — separate PD deductible applies

What Drives Pricing

Operating territory (port drayage, long-haul, intrastate)
Hurricane zone for parked equipment storage
Driver MVRs
Cargo type and average load value
Loss history (especially weather-related)

Florida Coverages We Offer

Commercial Auto Liability ($1M – $5M)

Motor Truck Cargo (UIIA-compliant where applicable)

Physical Damage with named-storm and hail coverage

Trailer Interchange

General Liability

Workers Compensation

Excess Auto Liability up to $5M

Hurricane-Aware Physical Damage

Florida physical damage is fundamentally different from inland states. The policy needs separate named-storm deductibles and clear coverage for parked equipment.

Named-storm deductibles structured to keep premium reasonable
Coverage for tractors and trailers parked in evacuation zones
Wind, hail, and flood coverage where available
Hurricane preparedness recommendations included with every policy

Why Truxsurance

We write Florida year-round — including storm season

Direct E&S markets that maintain Florida appetite

Same-day UIIA and DOT filings

Frequently Asked Questions

Get a Florida Trucking Insurance Quote

Hurricane-aware coverage, UIIA filings, same-day binding.

Same-day indications available.