CommercialAuto&TruckingInsurance
Whether you own one truck or a fleet, we've got you covered. 35+ A/B-rated carriers, 19+ years of trucking insurance expertise, and bilingual service.
Complete Fleet Protection
From owner-operators to full fleets, we build comprehensive trucking and commercial auto packages that keep you compliant and on the road.
Liability Coverage
Required for all commercial vehicles. Covers bodily injury and property damage to third parties. FMCSA requires $750K-$1M minimums for interstate trucking.
Physical Damage
Comprehensive and collision coverage for your trucks, vans, and commercial vehicles. Covers repair or replacement costs from accidents, theft, and weather.
Motor Truck Cargo (MTC)
Protects the goods you're hauling. Required by most brokers and shippers. Covers damage or loss of cargo during transit from covered perils.
Non-Trucking Liability (Bobtail)
Covers your truck when not under dispatch -- driving to the shop, home, or personal use. Essential for owner-operators leased to a motor carrier.
Workers' Compensation
Covers medical expenses and lost wages for injured drivers and staff. Required in most states for trucking companies with employees.
Excess / Umbrella Liability
Additional liability coverage beyond your primary policy limits. Provides an extra layer of protection for catastrophic claims and lawsuits.
Beyond the Basics
Whether you own one truck or a fleet, we work with 35+ insurance companies with A, B, and Risk Retention ratings. With 19+ years serving the area, we understand what South Florida trucking operations need. Trailer Interchange coverage is also available for operators who swap trailers between carriers.
Our Trucking Insurance Partners
Trucking Insurance FAQ
To obtain your FMCSA operating authority, you need liability coverage ($750,000 minimum for general freight, $1,000,000 for hazmat), cargo insurance (typically $100,000 minimum), and a BOC-3 process agent filing. We handle the entire process -- from quoting to filing your MCS-90 endorsement with the FMCSA.
Bobtail or non-trucking liability covers your truck when you're not under dispatch from a motor carrier. This includes driving home after delivering a load, running personal errands, or heading to the shop for maintenance. If you're an owner-operator leased to a carrier, your carrier's insurance only covers you while under their dispatch.
Yes, if you haul freight for others. Motor Truck Cargo (MTC) insurance protects the goods you're transporting against damage or loss from covered perils like accidents, theft, and fire. Most freight brokers require proof of cargo insurance ($100,000 minimum) before assigning loads.
Insurance carriers review each driver's MVR (Motor Vehicle Record), CDL status, experience level, and accident history before approval. Typically, drivers need at least 2 years of CDL experience and a clean record. We work with carriers that accept newer drivers and those with minor violations to keep your fleet fully staffed.
Keep Your Fleet Moving
Get a free trucking insurance consultation. From one truck to your entire fleet, we build the coverage package that keeps you compliant and profitable.