Protect what you're building.
Coverage for owner-operators and trucking companies, with clear guidance and personal service in English and Spanish.
For your first truck and for the fleet you're building.
- Operations: Power Only, Dry Van, Reefer, Flatbed and more
- Coverages: Liability, Cargo, Physical Damage and more
Tell us how we can help.
Whether you want a quote, need help managing your policy, or need guidance, we’re here to support you.
- Service in English and Spanish
- Monday–Friday, 8 a.m.–6 p.m. EST
- Serving Florida
- Guidance and support at every stage
Your truck is more than a vehicle. It is the foundation of the business you are building.
We know what it takes to put a unit on the road, meet requirements and answer for every decision. That is why we understand your operation first: because protecting a business also means protecting the people who depend on it.
- 01
Start with the right coverage.
A policy aligned with your operation from day one, with no surprises later.
- 02
Avoid paying for what you don't need.
We review limits, deductibles and endorsements so cost matches your reality.
- 03
Know who to reach when something happens.
A clear line to the agency when you need guidance or the next step.
Coverages we typically review with you.
Every operation is structured differently. These are the most common coverages in commercial trucking.
Helps when a third party is affected in a road incident.
Helps when cargo is damaged or lost during transport.
Helps when the unit is damaged in a collision or other covered event.
Helps when you operate a trailer that isn't yours under contract.
Helps in business situations not directly tied to driving.
Helps when a reefer failure affects perishable freight.
Every operation is different. We help you review the available options and understand clearly what each one includes.
Want to see how the main coverages work together? Understand Liability, Cargo and Physical Damage
Operations we can quote.
We work across commercial trucking profiles. Tell us how your operation moves and what freight you handle.
Flatbed
For open-deck, oversized or specialized freight.
Coverage considerations for open-deck freightBox Truck
For freight operations running box trucks.
Insurance considerations for box trucks and hotshotPickup
For pickups used in commercial operations.
Understand the decisions behind the policy.
Insurance is easier to evaluate when you understand what affects the price, what each coverage actually does, and what changes when you are insuring your first truck.
Explore all Insights- 01
How Much Does Commercial Truck Insurance Cost in Florida?
There is no single number, and anyone who gives you one before asking about your operation is guessing.
See what actually drives the price - 02
First Truck Insurance Guide: What New Owner Operators Need to Know
Your first policy is the most expensive one you will buy, and the one that sets up everything after it.
Start with the essentials - 03
Understanding Liability, Cargo, and Physical Damage Coverage
Three coverages, three different questions: who did you hurt, what were you hauling, and what happened to your own equipment.
Break down the main coverages
A policy is the beginning, not the end of the relationship.
We listen before we recommend.
We understand the freight, the vehicle, the radius and the requirements of your operation.
We explain with clarity.
We talk about coverages, limits and deductibles without hiding what matters behind jargon.
We stay with you through the policy.
You know how to reach the agency when you need guidance, documents or the next step.
Tell us what you need.
Share the essential information so the team can understand your request and continue the conversation.
- Service in English and Spanish
- Monday–Friday, 8 a.m.–6 p.m. EST
- Serving Florida
Coverage built for trucking businesses across Florida.
From our Miami office, LaForte Insurance helps Florida owner-operators and trucking businesses understand their risks, evaluate the right coverage and move forward with greater confidence.
- Based in Miami, serving clients across Florida
- Support in English and Spanish
- Coverage guidance for owner-operators and growing fleets
When you have a claim, we help you understand the next step.
Clear guidance for Florida trucking businesses when an accident or commercial insurance claim disrupts the operation.
Coverage and the resolution of each claim are determined according to the policy terms and the insurance carrier's process.
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You tell us what happened.
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We review the available information with you.
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We guide you through the next steps.
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We stay in communication throughout the process.
What we usually hear.
What information do I need to start a quote?
For the first contact, just the essentials: how your operation works, unit type, radius and what you need.
See what to prepare before your first commercial truck insurance quote.
What types of trucks and operations can you quote?
We work with Power Only, Dry Van, Reefer, Flatbed, Box Truck and commercial pickups. Tell us your case to confirm.
Where does LaForte Insurance currently offer coverage?
LaForte Insurance currently serves commercial trucking clients in Florida. Our Miami-based team works with owner-operators and trucking businesses across the state.
What's the difference between Liability, Cargo and Physical Damage?
Liability responds for third-party damages; Cargo protects the freight; Physical Damage covers your own unit. Each is structured differently by operation.
For a deeper breakdown, see our guide to Liability, Cargo and Physical Damage.
What does LaForte Insurance do when I report a claim?
We help you organize the information, understand the next steps and stay supported throughout the process.
Can I request a review if I already have a policy?
Yes. We can review what you have today and explain the options. The decision is always yours.