Commercial Truck Insurance for Florida & Texas
Protect your trucking business with fast, affordable, and high-strength commercial truck insurance
built for serious drivers, owner-operators, and fleets across Florida and Texas.
Built for Real-World Trucking, Not Just Paperwork
If you operate a commercial truck in Florida or Texas, you already know the road can be relentless.
Heavy traffic, tight delivery windows, changing freight contracts, and strict FMCSA regulations all create pressure on your
business every single day. One serious accident, cargo claim, or lawsuit can put your truck and your income at risk.
That’s why the right commercial truck insurance is more than a formality. It’s your financial safety net, your DOT
compliance partner, and your backup plan when something goes wrong at 2 a.m. on the highway.
At Dupuy Insurance, we focus on one thing: helping truckers and trucking companies in Florida and Texas get
strong, affordable coverage that matches the way they actually run their business — not a one-size-fits-all policy
that leaves dangerous gaps.
Who We Help Protect on the Road
From single-truck owner-operators to growing fleets, we work with a wide range of trucking operations. If your business depends
on a truck, there’s a good chance we can help insure it.
See common trucking operations we insure
Owner-operators under their own authority or leased on to a carrier, hotshot drivers running gooseneck and dually setups,
local and regional delivery routes, box truck and final-mile operations, flatbed and step-deck haulers,
dry van and refrigerated (reefer) units, car haulers, tow and wrecker services, dump trucks and construction haulers,
mixed-use fleets, and specialized commercial trucks.
New authority? New CDL? Upgrading from one truck to a small fleet? We walk through the details with you so your coverage keeps up
with your growth instead of holding you back.
Commercial Truck Insurance Across Florida & Texas
We actively insure truckers, carriers, and logistics businesses throughout both states. Whether you are based near the coast,
in a major metro, or running lanes between hubs, we can help you protect your routes and your revenue.
Major Florida trucking markets we serve
Tampa Bay area, Miami–Dade, Orlando, Jacksonville, St. Petersburg–Clearwater, Fort Lauderdale, Sarasota–Bradenton,
Fort Myers & Naples, West Palm Beach, Daytona Beach, Tallahassee, Gainesville, Ocala, Lakeland,
Port St. Lucie and surrounding corridors.
Major Texas trucking markets we serve
Houston, Dallas–Fort Worth, San Antonio, Austin, El Paso, Corpus Christi, Lubbock, Waco, Amarillo,
Brownsville & the Rio Grande Valley, Midland–Odessa, Plano, Arlington, Irving, Frisco, Garland, and more.
Even if your home base is in a smaller town, what matters most is your radius of operation, cargo type, and safety record.
We help you design coverage that works for regional, intrastate, and interstate trucking.
Key Commercial Truck Insurance Coverages
Every trucking operation is different, but most need a core package of coverage to stay compliant and protected.
Instead of burying you in jargon, we break things down in plain language and show how each coverage affects your price and risk.
Primary Liability
Required by law for most CDL and USDOT operations. Primary liability covers bodily injury and property damage you may
cause to others while operating your truck. It also ties directly into your filings and FMCSA compliance.
Physical Damage (Comprehensive & Collision)
Covers your tractor and trailer for collision, theft, vandalism, fire, and certain weather-related losses.
If you still owe money on your truck, your lender will almost always require this protection.
Motor Truck Cargo
Protects the freight you haul. Whether you run dry van, flatbed, reefer, hotshot, LTL, or Amazon-style deliveries, cargo coverage
helps pay for lost, damaged, or stolen goods when a covered loss occurs.
Non-Trucking Liability / Bobtail
Designed for when you are driving your truck without a trailer or outside of dispatch. Many leased-on owner-operator
agreements require this coverage.
General Liability for Trucking Businesses
Covers certain risks away from the road — such as incidents at loading docks, yards, offices, and customer locations.
Often required by brokers, shippers, and warehouse partners.
Occupational Accident (OCC/ACC)
A flexible, cost-effective option that can help cover medical bills, disability, and accidental death benefits for
independent owner-operators who are not on a workers’ compensation plan.
Specialized Options (Reefer Breakdown, Trailer Interchange & More)
We can also look at reefer breakdown for temperature-sensitive cargo, trailer interchange coverage for non-owned trailers,
hired and non-owned auto, and other endorsements tailored to your contracts.
Why Florida & Texas Truckers Choose Dupuy Insurance
You can get a quick number from almost any website. The difference with Dupuy Insurance is that we combine
modern tools with real human guidance from people who understand trucking — not just personal auto.
What makes our trucking insurance approach different?
Access to multiple trucking-focused carriers instead of a single company, competitive options for both new ventures and experienced fleets,
fast certificates of insurance (COIs) so you can secure loads and contracts, help with filings and FMCSA requirements,
and clear explanations of deductibles, limits, and exclusions so you know exactly what you are paying for.
We’re based in Florida and actively work with drivers and carriers who run to, from, and within Texas.
That regional focus helps us understand hurricane risk, hail, storm exposure, coastal routes, and the legal environment truckers face in both states.
Ways to Keep Your Commercial Truck Insurance Competitive
Rates for commercial truck insurance have climbed in recent years, but there are practical ways to keep your premium under control
without stripping away protection you truly need.
Smart strategies to manage your premium
Selecting deductibles that balance cash flow and risk tolerance, maintaining a clean DOT and MVR history, investing in dash cams
and telematics for documented safe driving, keeping up with preventive maintenance to avoid major losses, training drivers on
defensive driving and claims reporting, and reviewing your coverage regularly so limits stay aligned with equipment and freight values.
When we quote your policy, we’ll point out where discounts may apply and what changes can have the biggest impact on cost over the long term.
Our Fast & Simple Truck Insurance Quote Process
We know you don’t have time for endless back-and-forth phone calls. Our process is designed to be simple, digital, and respectful of your schedule.
- Share your details. Use our secure online form to tell us about your equipment, drivers (if any), cargo, radius, and current coverage.
- We shop multiple trucking carriers. We compare options that fit Florida and Texas routes, your authority status, and your risk profile.
- Review clear side-by-side options. You’ll see how different limits and deductibles affect both protection and premium.
- Bind coverage and get your COI. Once you choose an option, we help you activate the policy and deliver certificates so you can roll.
Dupuy Insurance — helping commercial truck drivers, owner-operators, and fleets across Florida and Texas protect what keeps them moving.