01
Running under your authority
Start with public liability, equipment, cargo, filings, radius, and commodity details.
Truscott Insurance Solutions · Florida license L136441 · NPN 22222940Verify with Florida Department of Financial Services
Owner-operator truck insurance · Florida
Your authority. Your truck. Coverage built around both.
Whether you run under your own authority or lease on to a motor carrier, we’ll start with the coverage responsibilities that actually apply to your operation.
- Own-authority and leased-on paths
- Cargo, physical damage, trailer, and liability options
- A licensed agent reviews the details with you
Prefer a person?Call (310) 923-0509
Free quote request
Start your owner-operator quote
Tell us how you operate. We’ll use it to route the right coverage conversation.
Step 1 of 3Your operation
Photo: Omar Gerardo / Pexels
Licensed agency
Florida license L136441 · NPN 22222940
No lead resale
We do not sell or resell your contact information as a lead.
Focused first step
No SSN, payment details, or driver-license upload.
Human help available
Call the agency if you would rather talk through it.
To fulfill your requested quote, relevant information may be shared with insurers, wholesalers, rating or data vendors, and service providers as described in our privacy policy.
Trucking-specific intake
Own authority and leased-on are not the same risk
The motor carrier’s policy, your lease, and how the truck is being used all matter. We separate those questions early so you are not quoted the wrong starting package.
02
Leased to a motor carrier
Review the lease before assuming the carrier’s policy covers every use of your truck.
03
Non-trucking use
Non-trucking liability may apply to certain non-business use, subject to the policy and lease.
04
Non-owned trailers
Trailer interchange may cover sums legally owed for covered damage to a qualifying non-owned trailer in your possession under a written interchange agreement.
Coverage building blocks
Name the coverage. Then read the terms.
Not every trucking operation needs every option. Policy terms, schedules, limits, deductibles, and exclusions determine what is actually covered.
Start my operation reviewAuto liability
May help pay covered third-party bodily injury and property damage arising from the use of covered autos. Limits and filing needs depend on the operation.
Physical damage
Collision and comprehensive or specified-causes coverage for scheduled tractors and trailers, subject to valuation, deductibles, terms, and exclusions.
Motor truck cargo
May cover the motor carrier’s legal liability for qualifying covered loss or damage to cargo in its care, custody, or control. Commodity, theft, reefer, and unattended-vehicle terms matter.
Trailer interchange
May cover sums the insured is legally obligated to pay for covered damage to a qualifying non-owned trailer in its possession under a written trailer-interchange agreement.
Non-trucking liability
For certain non-business use by leased-on owner-operators, subject to policy and lease terms. It is not automatically the same as bobtail use.
General liability
May cover certain non-auto premises and operations liability. It does not replace commercial auto liability.
What happens next
A short lead form. A real underwriting conversation.
The page collects enough to route the request without pretending a complex trucking risk can be fully quoted in a few clicks.
STEP 01
Share the operation
Start with authority status, equipment, unit count, cargo, radius, timing, and current coverage.
STEP 02
Agent review
A licensed commercial-lines agent confirms missing underwriting details and identifies eligible markets.
STEP 03
Compare next steps
Review available terms, limits, deductibles, exclusions, payments, and any required filings before choosing.
Federal requirements, stated carefully
“FMCSA compliant” is not one universal limit.
Authority type, cargo, vehicle weight, commerce, and hazardous materials can change the required financial responsibility. Federal floors may not satisfy state law or a contract.
Review the current FMCSA filing chart$750K
The federal public-liability minimum for many for-hire interstate or foreign nonhazardous property carriers using vehicles with a GVWR of 10,001 pounds or more. Different federal, state, and contract limits may apply.
Higher limits can apply
Certain oil, hazardous-material, hazardous-waste, passenger, or contract exposures can require or call for more.
The insurer files
When required, the insurer or registered filer submits proof to FMCSA after eligible coverage is bound.
Truscott Insurance Solutions: licensed and accountable
Truscott Inc., doing business as Truscott Insurance Solutions, handles this Florida campaign. We are an independent insurance producer, not an insurer and not affiliated with FMCSA or USDOT. We do not sell or resell your contact information as a lead.
Florida license L136441 · NPN 22222940
13564 Village Park Dr., # O-325, Orlando, FL 32837
Questions before you start
Commercial trucking insurance FAQ
No obligation to start
Protect the truck that powers your business.
Share the operating snapshot now. A licensed agent will confirm what is still needed before requesting terms from an eligible insurer.