Commercial trucking is subject to strict insurance requirements. Whether you’re managing a single box truck or an entire commercial fleet, understanding these requirements is crucial to avoid lawsuits, shutdowns, and financial losses. If you own or manage a commercial trucking business in Plantation, FL, Zot Insurance Agency is here to assist you. We can help you identify the insurance policies that best suit your business based on its structure and operations.

Primary Auto Liability

Primary auto liability insurance is federally required for most commercial trucking operations, regardless of the type of truck(s) you operate. This coverage is mandatory and protects against property damage and bodily injury caused to others while on the road.

Motor Carrier (MC) Authority and Proof of Insurance

If you operate interstate and transport regular freight, you must obtain MC authority, file proof of insurance, and maintain continuous coverage. A lapse in insurance can lead to license suspension or revocation, which can severely impact your business.

Physical Damage Coverage

Although physical damage coverage is not legally required, it is often mandated by truck lenders, owner-operator agreements, and leasing companies. This type of insurance protects your vehicles against damage from accidents, theft, or natural disasters.

Cargo Insurance

Cargo insurance is not federally mandated, but it is essential for protecting the goods you transport. It may be required by brokers, shippers, load boards, or contractual agreements to ensure the value of your cargo is safeguarded.

Understanding the types of commercial trucking insurance required and selecting the right policies is vital for any trucking business owner. Whether you manage a few trucks or an entire fleet, having the proper insurance coverage can make all the difference. If you operate a trucking business in Plantation, FL, Zot Insurance Agency can help you navigate your insurance needs. Contact us today for a quote and consultation.