Motor Truck Cargo
Inland marine protection for goods in transit on Florida roads. Covers loss or damage to loaded freight, whether you haul general commodities, refrigerated goods, or specialty cargo.
Florida's busy freight corridors and year-round hurricane season demand rock-solid commercial truck coverage. Soma places affordable, comprehensive truck insurance for owner-operators, regional fleets, and long-haul carriers across the state — including hard-to-insure risks others turn away. Get the right coverage fast, with no broker chasing, no delays, and rates built around your actual operations.
Comprehensive trucking insurance programs built for Florida operators, from single owner-operators to large regional fleets.
Inland marine protection for goods in transit on Florida roads. Covers loss or damage to loaded freight, whether you haul general commodities, refrigerated goods, or specialty cargo.
Consolidated commercial auto policy covering all your trucks under one program. Simplifies renewals, reduces gaps, and ensures every vehicle meets Florida's commercial vehicle requirements.
Protects your trucks and equipment from collision, fire, theft, and weather-related damage — critical in Florida's storm-prone environment where hail and flooding are real operational risks.
Third-party liability coverage for bodily injury and property damage claims arising from accidents. Covers drivers across Florida's high-traffic I-95 and I-75 corridors where exposure is highest.
Coverage for non-owned trailers in your possession under a trailer interchange agreement. Essential for carriers operating intermodal routes through Florida's major port hubs.
Soma handles all required DOT and FMCSA filing submissions on your behalf, keeping your Florida operating authority compliant and your trucks legally on the road without administrative delays.
Florida's freight industry faces unique pressures — hurricane-season disruptions, heavy port traffic at Miami and Tampa, and strict state commercial vehicle regulations. Soma's Risk Management Team cuts through the complexity by analyzing your fleet operations, cargo type, and driver profile to place the right coverage at the right price. We work with top-rated carriers including Chubb, Progressive, and Kemper to bind competitive trucking programs fast — even for new ventures, drivers with violations, or specialty commodity haulers that standard brokers decline.
Real results from owner-operators and fleet managers who found fast, affordable coverage through Soma.
Soma is built differently from traditional brokers — faster, smarter, and purpose-built for complex trucking risks.
We insure new ventures, drivers with violations, and hazmat haulers that standard Florida brokers routinely decline.
We partner with Chubb, Progressive, and Kemper to secure competitive rates for Florida commercial trucking operations.
Submit one application and receive coverage options across hundreds of carriers — no chasing brokers across Florida.
We manage all federal and Florida-specific filings seamlessly, keeping your operating authority current and compliant.
Expert insurance professionals dedicated to protecting Florida's trucking businesses.
Soma was built to solve a problem every trucking business in Florida knows too well — slow brokers, vague quotes, and coverage that doesn't match real operational needs. Florida's freight market is one of the most dynamic in the country, with I-95 and I-75 among the nation's highest-volume commercial corridors, active port traffic from Miami to Jacksonville, and weather exposures that demand robust physical damage and cargo programs. Soma's Risk Management Team combines deep carrier relationships with trucking-specific expertise to place coverage fast, even for the risks that others won't touch — new DOT numbers, drivers with MVR issues, hazmat operations, and specialty commodity haulers. We handle thousands of businesses and treat every fleet, regardless of size, with the precision and speed their operation demands.
Soma insures a wide range of commercial trucks in Florida, including semi-trucks, box trucks, flatbeds, refrigerated units, dump trucks, tow trucks, and hazmat haulers. We also place coverage for owner-operators, small regional fleets, and large long-haul carriers. If your truck type has been declined elsewhere, our specialty carrier relationships can still find you a competitive program.
Talk to a Soma trucking specialist for a free, no-obligation consultation and quote.
Soma places commercial truck insurance for operators and fleets across every major Florida market and freight corridor.
Statewide Florida
Service Coverage
500+ Carriers
Carrier Access
Same-Day Quotes
Quote Turnaround
Reach out to confirm coverage availability for your specific operating area and cargo type.
Authorized to place Progressive commercial trucking programs
Appointed partner with Chubb for complex commercial risks
Handles all DOT and FMCSA filings for trucking compliance
Complete our quick form and a Soma trucking specialist will contact you with competitive quotes from top-rated carriers. Most operators receive same-day coverage options — no waiting, no chasing brokers.