Jacksonville, FL · Commercial auto & trucking
Running trucks or business vehicles in Jacksonville means I-95, I-10 and I-295, local freight hubs and specific underwriting questions. Here is the local picture.
Hurricane season brings wind and storm-surge losses; insurers can pause new policies when a named storm approaches, so bind early.
Flooding can total parked tractors and trailers; comprehensive physical damage covers flood, while liability alone does not.
Port drayage usually needs a TWIC card for terminal access and may need trailer interchange coverage when you pull a container or chassis you don’t own.
If you haul for hire across state lines, FMCSA requires at least $750,000 of liability for general freight in vehicles of 10,001 lbs or more, $1 million for oil and $5 million for most hazardous materials. Passenger carriers need $1.5 million (15 or fewer seats) or $5 million (16 or more). Your insurer files proof with FMCSA (BMC-91 or BMC-91X) and attaches the MCS-90 endorsement where required.
Full Florida requirements are on our Florida commercial auto guide.
Read the state guide →InsurixPro is an independent agency based in Atlanta, Georgia. Send a request with your USDOT number, vehicles and drivers. Whether we can quote a policy in Florida depends on licensing and carrier availability there, and we tell you that after reviewing your request.
Last updated 2026-10-27. Written by the InsurixPro Editorial Team. Laws change; confirm current requirements with the official regulator before you buy. This page is general information, not legal advice.
Helpful answers before you begin
No. InsurixPro is based in Atlanta, Georgia and reviews requests from Jacksonville remotely. Whether we can quote depends on licensing and carrier availability in Florida.
Interstate for-hire carriers of general freight need at least $750,000 under federal rules. For vehicles not subject to FMCSA, Florida rules apply: $10,000 property damage (bodily injury liability not required for most drivers).
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