Coverage built for trucking businesses.

Operation & Equipment Types

Coverage for one vehicle or any size fleet

A trucking company that employs ten people has different needs than a single-person operation. We provide the same level of service to every company we serve, large and small — from the time you fill out our form, we work to earn your business and help you keep your own customers impressed.

Straight Trucks

Straight trucks include those used for moving and those used for garbage removal — also referred to as box trucks. What you'll pay for this coverage depends on driving history, the area you operate in, what you haul, and the number of trucks in your fleet.

Intermodal Transportation

Intermodal transportation involves using more than one form of transportation to move products from one place to another. If your trucks pick up cargo from docks or airports, we can provide this type of insurance. Truckers that haul containers must have a UIIA (Uniform Intermodal Interchange and Facilities Access Agreement) — without it, you won't be allowed into a port or rail yard. If you lease the chassis you use, you'll need non-owned coverage and trailer interchange coverage to protect your cargo.

Auto Haulers

Hauling automobiles is a difficult job, and regular commercial insurance isn't enough to cover a company that handles auto hauling. Our team specializes in trucking insurance and compliance — auto haulers need additional certification on top of the right coverage, and the FMCSA requires auto haulers to carry at least $1 million in insurance.

UIIA & Trailer Interchange Available

When a trucking company shares a haul with other trucking companies, they transfer the trailer from their truck to the other company's truck. To do this legally, the companies need an interchange agreement — a contract detailing liability for damages. The contract typically holds the company pulling the trailer at the time of an accident responsible for damage to the trailer, the cargo, and any related medical bills, with some exceptions. We write air-tight interchange policies that protect your property and your drivers.

Local, Intermediate, and Long Haul

No matter where you go, we're there for you. We provide coverage for trucking companies that run purely local routes, and for fleets that operate regionally or all over the country — with a plan built to keep costs down wherever you go.

Mixed Radius

Most trucking companies run different trucks on hauls of different lengths. We build a comprehensive plan covering each truck no matter the distance it travels. You'll need specific cargo coverage too — a reefer operation must insure the product inside the refrigerated trailer against physical damage and spoilage, and Florida's frequent rain makes dry-goods loads especially susceptible to water damage. We build the Florida truck insurance policy that accounts for both.

Coverage Lines Explained

Liability Insurance

Covers you if you or your driver are involved in an accident and found at fault — bodily injury claims, the injured party's medical bills, and any property damage from the collision. Whether or not you're found at fault, liability coverage pays your defense costs if legal action is brought against you over the accident. The Department of Transportation requires commercial truck drivers to carry coverage ranging from $750,000 to $1,000,000, with the exact amount set by vehicle size, distance traveled, and cargo type.

Florida Trucking Insurance — Uninsured Motorist (UM)

Pays for your injuries if your vehicle is damaged or you're hurt in an accident caused by a driver without enough auto insurance. In Florida, uninsured-motorist coverage pays medical costs only, not property damage. Simplex Group has served trucking companies of every size for 25+ years and makes sure you have the right coverage for every compliance and safety need.

Motor Truck Cargo Insurance

A type of inland marine insurance that protects goods and property transported by a motor carrier. Owning a professional trucking company means you're required to insure the cargo your drivers carry — clients want to know their products are protected before they sign with you. Cargo insurance covers products damaged in an accident and covers stolen goods; as cargo theft rises alongside more sophisticated security systems, having this coverage protects the reputation you've built.

Physical Damage

Protects the insured vehicle from perils like collision, vandalism and fire. Your trucks are a major investment, and even though they're big and heavy, they can still be damaged in an accident, by natural disaster, or by road conditions — physical damage coverage protects that investment.

Non-Trucking Liability (Bobtail)

Covers owner-operators leased to a trucking company if they have an accident while using the truck for non-business reasons.

Trucker's General Liability

Not to be confused with trucker's auto liability — this protects your company from risks unrelated to truck operation, like someone slipping and falling in your office. A busy trucking company has workers moving in and out, clients visiting, applicants interviewing, and vendors delivering — with that much foot traffic, an accident is bound to happen eventually. General liability coverage protects the business you've worked hard to build.