Florida First Insurance of Broward — Home 877-FL-INS-ME

Florida Delivery Truck & Courier Vehicle Insurance

Delivery operations in Florida — Amazon DSP routes, restaurant supply, e-commerce fulfillment, parts distribution — need a commercial auto policy that knows the difference between a 50-mile local run and an intermediate haul across the state. We place delivery-class business auto with appropriate liability, physical damage, and cargo coverage, then document the operation correctly at binding so the year-end audit doesn't produce a surprise bill.

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Last-mile delivery operations — independent Amazon DSP routes, restaurant supply runs, parts distribution, e-commerce fulfillment, and contracted USPS/UPS auxiliary work — sit in a specific commercial-auto rate slot that's tougher to place than a standard local-radius hauler. Florida First Insurance of Broward writes delivery-class business auto for cargo vans, box trucks, and Class 4-6 straight trucks running 50-mile and intermediate radius.

Most placements here require $1M CSL minimum, motor-truck cargo at stated value, and care-custody-and-control language for goods in transit. The audit at year-end runs on miles, payroll, and unit count; misreported radius or commodity is one of the most common reasons a delivery account ends up over-billed at audit. We document operations at the front of the placement.

Delivery accounts bind for operators based in Miami-Dade, Broward, and Palm Beach; Collier and Lee on the southwest coast; Sarasota and Manatee; Hillsborough, Pinellas, and Pasco around the Tampa Bay metro; Polk and Orange through I-4; Seminole, Brevard, and Volusia on the Atlantic; Marion, Alachua, and Duval through the gateway region; and Leon and Escambia in the Panhandle.

Delivery-truck quotes are placed for operators dispatching from Fort Lauderdale, Miami, West Palm Beach, Boca Raton, Port St. Lucie, Fort Pierce, Palm Bay, Melbourne, Titusville, Daytona Beach, Jacksonville, Gainesville, Ocala, Orlando, Lakeland, Winter Haven, Tampa, St. Petersburg, Clearwater, Sarasota, Bradenton, Fort Myers, Cape Coral, Punta Gorda, Naples, Pensacola, Fort Walton Beach, Panama City, and Tallahassee.

What Does Delivery Truck & Courier Vehicle Insurance Cover?

  • Auto Liability — Covers bodily injury and property damage to third parties caused by your delivery vehicles in accidents.
  • Cargo Coverage — Covers the goods and packages being transported in case of damage, theft, or loss during delivery.
  • Physical Damage — Covers repair or replacement of your box trucks, cargo vans, and sprinter vans from collision and perils.
  • Hired & Non-Owned Auto — Covers liability when drivers use personal vehicles or rentals for deliveries.