Trucking & Transportation Insurance

Specialized coverage for owner-operators, fleets, and freight carriers operating across Florida and beyond.

Who We Serve

We cover all types of trucking operations

Whether you run one truck or a full fleet, we find coverage that fits your operation and meets all regulatory requirements.

Owner-operators

Long-haul freight

Local & regional carriers

Flatbed & specialized freight

Refrigerated / reefer

Hotshot trucking

Box trucks & last-mile delivery

Dump trucks

Tow trucks

Fleet operations

What We Cover

Federally required coverage that pays for bodily injury and property damage you cause to others. Required by FMCSA for all for-hire carriers.

Covers the freight you're hauling against loss, theft, or damage in transit. Often required by shippers before they'll work with you.

Covers your truck and trailer for collision, fire, theft, and weather damage. Protects your biggest asset on the road.

Covers your drivers and employees for on-the-job injuries. Required in Florida once you have employees on payroll.

Covers non-auto incidents — like injury at a loading dock or damage caused while unloading freight at a customer's facility.

Extends your primary liability limits for catastrophic claims. Often required for larger contracts and broker agreements.

Why Industries Choose OakLine

Trusted guidance. Personalized coverage.

Long-term protection for what matters most.

Independent Advantage

We compare multiple carriers to help you find the right protection.

Personalized Advice

Every client has different needs. We tailor coverage to your goals.

Responsive Support

Questions, policy changes, and claims assistance when you need us.

Built for the Long Term

We focus on lasting relationships, not one-time sales.

Common Questions

What insurance is required for for-hire truckers in Florida?

All for-hire interstate carriers must meet FMCSA minimum liability requirements — $750,000 for general freight and up to $5 million for hazmat. Florida intrastate carriers follow FDOT requirements. We make sure your policy meets all applicable federal and state minimums.

What's the difference between primary liability and cargo insurance?

Primary liability covers damage or injury you cause to other people or property. Cargo insurance covers the freight you're hauling. Both are typically required — one protects others, the other protects the shipper's goods in your care.

Do I need a separate policy as an owner-operator leased to a carrier?

It depends. When you're under dispatch, the carrier's liability policy typically covers you. But you likely still need your own physical damage, occupational accident, and non-trucking liability coverage for when you're not under their authority. We'll review your lease agreement and fill the gaps.

What is non-trucking liability and do I need it?

Non-trucking liability (NTL) covers you when you're using your truck for non-business purposes — like driving home between loads. If you're leased to a carrier, their policy only covers you while under dispatch. NTL fills that gap.

How much does trucking insurance cost in Florida?

Rates vary widely based on your cargo type, radius of operation, driving record, years in business, and equipment value. New authorities typically pay more than established operators. We shop multiple trucking-specific carriers to find you the most competitive rate available.