Navigating Florida’s Trucking Insurance Requirements: A Guide for Drivers Based in Plantation, FL

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Are you hitting the road in or near Plantation, FL? Whether you drive a commercial or everyday-use truck, you should double-check your insurance before you put your vehicle in gear. Florida has various pertinent state laws that you must know to avoid fines and even potentially license suspension.

Our team at Zot Insurance Agency will break down what’s required so you can prioritize the coverage you need for more seamless adventures behind the wheel.

Florida Recreational Trucking Insurance Requirements

Like any vehicle registered in Florida, state law for trucks driven for recreational or everyday use must have continuous coverage. You’re also required to have Property Damage Liability or PDL and Personal Injury Protection or PIP, with $10,000 set aside for each. 

Florida Commercial Trucking Insurance Requirements

The Sunshine State has stricter rules for commercial trucking operations. The minimum amount of liability insurance varies based on factors like type of transport and transport weight. Here’s a full breakdown:

  • If operating in a for-hire role, you must have between $750,000 and $1 million in primary liability insurance, with the latter amount reserved for transporting hazardous materials.
  • If transporting non-hazardous materials in a truck that weighs less than 1,001 pounds, you must have at least $300,000 in liability insurance.
  • If transporting hazardous materials, you must have liability insurance valued at $5 million.
  • If transporting household goods, you must have liability insurance valued at $300,000 or more.
  • If transporting oils, you must have liability insurance valued at $1 million or more. 
  • If doing general freight transport, you must have liability insurance valued at $750,000 or more.

Bear in mind that you must still have the PIP and PDL insurance coverage as well. 

Navigating Florida trucking insurance requirements doesn’t have to be difficult with the right team on your side. Zot Insurance Agency proudly serves the Plantation, FL area. With our expertise, you can feel confident that you’re adequately insured