Transportation
Insurance Solutions
Specialized coverage for trucking companies, freight carriers, delivery services, and logistics operations.
Get a QuoteUnique Risks in Transportation & Logistics
Transportation is one of the most heavily regulated and liability-intensive industries in the country. A single trucking accident can result in multi-million-dollar claims, and cargo losses from theft or damage can strain shipper relationships and contract compliance. Florida's highways are among the most trafficked in the U.S., amplifying these risks for every carrier operating in the state.
FMCSA filing requirements, MCS-90 endorsements, and cargo liability minimums create a complex compliance landscape that many carriers struggle to navigate. Owner-operators face additional challenges securing affordable coverage that meets broker and shipper requirements.
SMAART Insurance works with motor carriers, freight brokers, and logistics companies of all sizes to design programs that meet regulatory requirements and protect every asset in the operation.
Key Industry Facts
- ■Large truck accidents cause over 5,000 fatalities and 150,000 injuries annually in the U.S.
- ■Cargo theft costs the transportation industry $15–35B per year.
- ■FMCSA requires minimum $750K in liability coverage for most interstate carriers.
- ■Florida ranks in the top 5 states for commercial vehicle accidents annually.
- ■Owner-operators without occupational accident coverage have no income protection if injured on the job.
is the average cost of a commercial trucking accident claim. Fleet insurance with proper liability limits is essential to keep your operations running after an incident.
Coverage Solutions for Transportation
From fleet auto to cargo to occupational accident, we cover every mile and every load in your operation.
Commercial Auto
Liability and physical damage coverage for trucks, tractors, trailers, and other commercial vehicles in your fleet.
Learn MoreCargo Insurance
Protection for freight and cargo against damage, theft, or loss while in transit by truck, rail, or intermodal.
Learn MoreWorkers' Compensation
Coverage for driver injuries and occupational illnesses sustained on the road or in loading operations.
Learn MoreGeneral Liability
Protection against third-party bodily injury and property damage claims from your transportation operations.
Learn MoreUmbrella
Excess liability coverage that protects against catastrophic claims exceeding primary policy limits.
Learn MorePhysical Damage
Comprehensive and collision coverage for your tractors, trailers, and specialized hauling equipment.
Learn MoreMotor Truck Cargo
Shipper and carrier cargo liability coverage for full truckload, LTL, and specialized freight operations.
Learn MoreOccupational Accident
Coverage for owner-operators and independent contractors who are not covered under workers' compensation.
Learn MoreWhy SMAART for Transportation
Fleet Protection
We build fleet programs that scale from a single truck to hundreds of units, with pricing structures that reward safe operations.
Cargo Security
Our cargo programs are tailored to your commodity type, haul lanes, and shipper requirements — including high-value and hazmat loads.
Driver Safety Programs
We connect carriers with loss control resources and telematics programs that reduce accidents and lower premiums over time.
Frequently Asked Questions
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Free Consultation
Not sure what coverage you need?
Our licensed advisors will assess your risks and recommend the right protection — at no cost.
Call (305) 819-3675Protect Your Transportation Business
Our transportation insurance specialists know the FMCSA requirements and the Florida road. Let us build a program that keeps your fleet moving and your operation protected.
Get a Quote