Florida's Trucking Market Is Growing Fast. We Have the Markets to Keep Up.
Florida's ports, population growth, and expanding freight corridors are producing more commercial trucking accounts than the standard market can absorb — especially owner-operators, new ventures, and carriers running port drayage or intermodal freight. Partnersure is a wholesale trucking insurance broker placing Florida commercial trucking risks on a surplus lines basis, built for exactly the accounts that generalist markets pass on.
50–100+ Combined Years in Transportation Insurance
Nationwide Appointments — All 50 States
Non-Overlapping Regional Territory Structure
E&S / Surplus Lines Placement — Specialized Markets Only
Financing Available on Qualifying Accounts
Florida Trucking Runs on E&S Markets — Here's Why
Standard carriers tighten appetite when they see new venture status, limited loss history, or catastrophe exposure — and Florida checks several of those boxes at once. The state's hurricane and flood exposure alone pushes a meaningful share of physical damage accounts toward specialty markets. Add in the concentration of owner-operators and startup fleets coming out of South Florida, Tampa, and Jacksonville, and you have a retail agent population that needs reliable E&S access to do their job.
Partnersure places commercial trucking insurance exclusively through E&S and surplus lines markets. That's not a fallback — it's the whole model. We work with retail agents who write transportation-focused books and need a wholesale partner that understands why these accounts land in the specialty market in the first place.
Trucking Programs Built for the Risks Standard Markets Won't Write
Our coverage portfolio is built around the placements that matter most in commercial transportation — placed through E&S markets with the flexibility to compete where standard carriers can't.
Excess Liability Insurance
High-limit excess coverage for trucking risks that need capacity beyond primary auto liability — placed in surplus lines markets with the appetite for transportation.
Auto Physical Damage Insurance
Fleet and individual unit physical damage coverage for commercial trucks, including hard-to-place equipment and high-value units that standard markets decline.
Motor Truck Cargo Insurance
Cargo liability coverage for trucking operations carrying goods in transit — structured for the actual exposure, not a generic inland marine form.
Motor Truck Cargo Insurance
Cargo liability coverage for trucking operations carrying goods in transit — structured for the actual exposure, not a generic inland marine form.
Proprietary Trucking Programs
Semi-exclusive and proprietary programs not available through generalist wholesale brokers. These are the markets your competition isn't going to find at a big-box wholesaler.
Auto Liability Insurance
Primary commercial auto liability for trucking risks — coming soon. Contact us to discuss current placement options for your accounts.
Why Retail Agents Appoint with Partnersure for Their Florida Book
We're not a generalist wholesaler with a trucking line buried in a menu of programs. Trucking is all we do, and Florida agents working a transportation-heavy book get a wholesale partner that's fluent in the risk classes they're actually writing. A few things that matter when you're placing Florida trucking accounts:
- Non-overlapping regional appointments — your Florida accounts move through Partnersure without competing against another appointed agency in your market
- Programs designed for the E&S risk classes Florida produces at volume: new ventures, port freight, and cat-exposed physical damage
- Agent support that goes beyond quoting — we help you understand the account, build the presentation, and retain the client
- Combined 50-plus years of transportation insurance experience behind every submission we review
What We Need to Get Your Florida Accounts Quoted
Most Florida trucking submissions can move quickly when the information is clean. For new venture and owner-operator accounts, we need driver information, equipment schedules, radius of operation, and commodity detail. Port drayage and intermodal accounts benefit from clarity on whether the operation is port-to-door, transloading, or container freight station work — that distinction affects how we position the risk. Physical damage submissions in Florida should note the garaging location and any existing hurricane or flood mitigation measures on the equipment. If you're not sure what a market will want to see, call us before you submit — we'd rather help you build a clean package upfront than chase missing information after the fact.
Florida Wholesale Trucking Insurance — Frequently Asked Questions
Can you place new venture trucking accounts in Florida?
Yes. New venture and owner-operator trucking accounts are a primary risk class for E&S placement, and our programs are structured to accommodate them. Limited loss history and startup status are not automatic declines — they're the accounts we're designed to write.Do you have markets for port drayage and intermodal carriers operating out of Florida?
We do. Port drayage and intermodal freight carriers require specialty placement, and we have cargo and liability markets that cover these operations. Miami, Tampa, and Jacksonville port activity generates a significant volume of this risk class, and it's one we work with regularly.Why is auto physical damage so hard to place for Florida trucking accounts?
Florida's hurricane and flood exposure restricts standard carrier appetite for physical damage, particularly for equipment garaged in coastal or low-lying areas. We access multiple physical damage markets — including E&S options — for accounts that standard carriers won't write due to catastrophe exposure.Is Partnersure licensed as a surplus lines broker in Florida?
Partnersure places commercial trucking insurance on an E&S and surplus lines basis. Coverage is placed through non-admitted markets, which is appropriate for the risk classes we work with. We operate on a wholesale-only basis, meaning we work exclusively with appointed retail agents — not directly with insureds.How do I get appointed to submit Florida trucking accounts to Partnersure?
Appointments are available to retail agencies with a transportation-focused book — approximately 80% transportation premium concentration is the threshold. If your agency meets that profile, start by requesting an appointment through our Get Appointed page. We review each agency individually and keep our appointment structure regional so your accounts don't compete against another Partnersure-appointed agency in your market.
Ready to Move Your Florida Trucking Book to a Wholesale Partner That Knows the Market?
Florida is producing more E&S trucking accounts than most retail agents have reliable markets for. If your book includes new ventures, port freight operators, or physical damage accounts that standard carriers keep declining, Partnersure was built for exactly that conversation. Appointments are selective and regional — if your agency qualifies, there's a reason to move sooner rather than later.