Fleet & Transportation Insurance
Comprehensive coverage for commercial fleets, trucking operations, and logistics companies. From FMCSA compliance to nuclear verdict defense, we protect your entire operation.
Fleet & Transportation Insurance at a Glance
- FMCSA minimum coverage: $750K for general freight, $1M for hazmat. BMC-91 surety bond or BMC-34 trust fund filing required for all interstate carriers.
- Nuclear verdicts dominate trucking risk. Average verdict up 867% over 10 years; $5M–$10M excess liability is now essential, not optional.
- Florida I-95 and I-75 corridors are among nation's highest cargo theft areas. Motor truck cargo limits must cover typical load values ($100K–$500K+).
- Fleet discounts kick in at 10 vehicles. Pricing typically $850–$1,400/truck/month depending on driver safety record, claims history, and cargo types.
- DOT compliance and ELD (Electronic Logging Device) management directly impact insurance rates and your operating authority. Non-compliance triggers FMCSA audit exposure.
Coverage Types for Fleet & Transportation
Build a comprehensive insurance package that protects every vehicle, driver, and cargo shipment.
Common Fleet & Transportation Risks
Understanding these risks helps you choose the right coverage and manage your exposure.
This is a real risk fleet operators face daily in Florida. Proper insurance coverage, compliance systems, and risk management protect you from financial catastrophe.
This is a real risk fleet operators face daily in Florida. Proper insurance coverage, compliance systems, and risk management protect you from financial catastrophe.
This is a real risk fleet operators face daily in Florida. Proper insurance coverage, compliance systems, and risk management protect you from financial catastrophe.
This is a real risk fleet operators face daily in Florida. Proper insurance coverage, compliance systems, and risk management protect you from financial catastrophe.
This is a real risk fleet operators face daily in Florida. Proper insurance coverage, compliance systems, and risk management protect you from financial catastrophe.
This is a real risk fleet operators face daily in Florida. Proper insurance coverage, compliance systems, and risk management protect you from financial catastrophe.
This is a real risk fleet operators face daily in Florida. Proper insurance coverage, compliance systems, and risk management protect you from financial catastrophe.
This is a real risk fleet operators face daily in Florida. Proper insurance coverage, compliance systems, and risk management protect you from financial catastrophe.
Why Fleet Operators Choose Greene & Associates
30+ years insuring Florida transportation companies. We understand FMCSA regulations, DOT compliance, and the catastrophic risks trucking companies face.
Fleet Program Access
Direct relationships with carriers that specialize in motor truck cargo, DOT compliance, and fleet programs. Volume discounts for 10+ vehicle fleets.
DOT Compliance Support
We help navigate FMCSA filing requirements (BMC-91 surety bonds and BMC-34 trust fund alternatives), CSA score management, and audit readiness.
Nuclear Verdict Defense
High-limit excess liability ($5M–$10M+), specialized carriers, and claims management for trucking catastrophe exposure.
We shop 20+ commercial carriers specializing in motor truck cargo, fleet programs, and excess liability. Get competitive rates without compromising on limits.
Fleet Insurance Throughout Florida
From port logistics to interstate distribution, we insure fleets operating across every Florida corridor.
Jacksonville & Port
Logistics hub for JAXPORT container traffic, distribution centers, regional trucking operations. High cargo volumes.
Orlando Distribution
Major distribution and fulfillment center market. National carrier operations, heavy cross-state freight movement.
Tampa & Gulf Coast
Port operations, regional freight, hazmat transport. Heavy international trade corridors and inbound traffic.
Miami International
International trade, Latin America cross-border freight, specialized cargo. Complex compliance requirements.
I-75 Corridor
High-theft corridor connecting Florida to Georgia. Major north-south freight route. Cargo theft insurance critical.
I-95 Corridor
Highest-traffic interstate on East Coast. Major theft corridor. Dense traffic and accident exposure. Heavy enforcement presence.
Based in Lake City, serving Florida statewide. We understand the unique insurance challenges of every major transportation corridor in the state.
Fleet & Transportation Insurance FAQ
What are FMCSA filing requirements for fleet insurance (BMC-91 and BMC-34)?
The FMCSA requires trucking companies to file proof of financial responsibility. BMC-91 is a surety bond from an insurance carrier; BMC-34 is a trust fund account. Minimum coverage varies by commodity (general freight $750K, hazmat $1M, some passenger $5M). We help file the correct form and maintain your insurance proof electronically.
At what fleet size do we qualify for volume discounts?
Most carriers offer fleet discounts starting at 10 vehicles. Discounts increase at 25, 50, 100+ vehicle thresholds. We shop volume pricing and negotiate based on your fleet safety record, driver tenure, and claims history. Fleet pricing typically ranges $850–$1,400/truck/month for comprehensive coverage.
Do we need separate cargo insurance if we carry freight?
Yes. Commercial auto liability covers third-party claims but not your cargo. Motor truck cargo insurance protects the goods you're transporting. Limits are based on typical load value. Hazmat shipments require higher limits and specialized carriers. We ensure your cargo limits match your business risk.
How are nuclear verdicts trending in trucking?
Trucking verdicts have increased dramatically — the average verdict jumped 867% from 2013 to 2023. Florida courts and juries award some of the nation's highest damages in catastrophic injury cases. Excess liability ($5M+) and specialized carriers experienced in trucking are critical. We shop specialized underwriters who understand this trend.
Trusted Carriers We Represent
Need to understand trucking insurance requirements? Read our guide to FMCSA compliance, DOT regulations, and how to protect your fleet from nuclear verdicts.
Read: Fleet & Transportation Insurance in Florida — FMCSA Compliance & Nuclear Verdict Defense →Related Coverage
Ready to Protect Your Fleet?
Get a free fleet insurance quote. We shop 20+ carriers for the best rate and FMCSA-compliant coverage.