Coverage for Florida last-mile delivery fleets — built for FLHSMV commercial registration, the state’s financial-responsibility rules, and the certificate requirements your delivery-service-partner program imposes.
Florida is one of the largest last-mile delivery markets in the country, with dense routes across Miami, Orlando, Tampa, and Jacksonville. The state registers commercial vehicles and sets its own financial-responsibility and commercial-auto rules, and your delivery-service-partner program sets the certificate limits on top. Here is what that means for your coverage.
Florida registers and titles commercial vehicles through the Florida Department of Highway Safety and Motor Vehicles (FLHSMV), with commercial vehicles registered by weight in the business name. Florida is a no-fault state for personal auto, but commercial and for-hire vehicles carry their own financial-responsibility and liability rules — and a delivery operation is a for-hire use, not ordinary personal driving.
Florida applies commercial-motor-vehicle insurance requirements that scale with weight, on top of any program requirement:
Florida’s commercial minimums are a floor, not the operative number — your delivery-service-partner program sets the limits that actually clear onboarding. In practice that means a $1M combined single limit on commercial auto, $1M/$2M general liability, motor truck cargo, hired & non-owned auto, and workers’ comp, with the program named as additional insured. We build the certificate to your program’s requirements and confirm the commercial-vehicle filings your operation needs in Florida.
Tell us about your operation and your loss history — we’ll confirm we can write Florida and structure the limits to match.