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Commercial Auto & Truck Insurance

Commercial Auto & Truck Insurance

We specialize in providing commercial auto and truck insurance that can be customized for almost any type of car, truck, or trailer used in your business.

We insure nearly every type of commercial vehicle, including cars, pickup trucks, vans, box trucks, tow trucks, dump trucks, semi-trucks, and trailers. If you have a business vehicle, we can help you get it insured.

Other vehicles we insure

  • Bucket Trucks
  • Car carriers or auto transporters
  • Catering trucks
  • Cement mixers
  • Flatbed trucks
  • Pump trucks
  • Refrigerated trucks
  • Roll-on vehicles
  • School buses
  • Stake body trucks
  • Step vans
  • And More!
We work with a variety of insurance companies to find you the most flexible coverage options at the best rates. We’ve helped owner-operators of trucking fleets all over the Southeast, and whether you have a single single semi-truck or an entire fleet, we can help find the right policy for you. Our goal is not to just get you insurance coverage, but also to minimize the risks involved with operating your business.

​How Can I Lower My Commercial Truck Insurance Cost?

Many factors that will help cut costs on a truck insurance quote. We have listed a few ways to help you get started with a risk management plan: 
  • Maintain a good driving record (USDOT Operating History)
  • Set up your payment via electronic funds transfer (EFT)
  • Opt for a higher deductible or lower coverage limits
  • Pay your premium in full annually
  • Insure more than one vehicle

How does Commercial Truck Insurance Work?

​Truck insurance—also referred to as truckers insurance and trucking insurance—is a subset of business insurance, categorized under commercial vehicle insurance, and comprised of various policies to insure your truck. While you don't necessarily need every type of coverage to protect your truck business, per federal regulations, you're required to a least obtain liability coverage in case of accidents or third-party bodily injury (which includes damage to their personal property).

​What A Commercial Truck Insurance Policy Should Include

​There are many types of commercial truck insurance coverages to choose from. We put together a list and examples of how the coverages can protect your commercial truck.

​Insurance Policies Specific to Commercial Vehicles

If you're looking for comprehensive coverage, commercial truck drivers should consider these coverage options:
  • Motor Truck General Liability Insurance: General liability insurance covers legal defense fees, court costs, and settlements or judgments if a customer sues you. This policy also covers accidents or damage that may happen at your company's place of business.
  • Bobtail Insurance: Bobtail insurance covers your truck in the instance you are driving it without a trailer attached. Typically, bobtail insurance is for drivers under a permanent lease agreement. For owner-operators under their own authority, bobtail is usually covered under your primary liability policy.
  • Physical Damage Coverage: The next time one of your trucks is in a collision or faces some sort of theft or vandalism, you've got physical damage insurance to repair the damage.
  • Trailer Interchange Insurance: If you don't own your trailer, you need trailer interchange insurance to cover physical damage to your truck.
  • Non-Trucking Liability Insurance: You've got your truck covered for work purposes. But what about those times you might drive your truck when you're not on dispatch? Your rig needs to be covered outside of strict business operations. That's where non-trucking liability comes into play.
  • Motor Truck Cargo Insurance: Cargo liability is an absolute necessity. It helps truckers cover the value of their cargo from damage, theft, and loss. In addition, it covers debris removal, freight charges, and separate limits. You may need specialized livestock cargo insurance if you haul animals. Another subset of cargo insurance is HAZMAT insurance, which is necessary if you haul hazardous materials.
  • Fleet Insurance: Fleet insurance covers a motor carrier fleet, and it's usually a more affordable truck insurance option versus insuring each unit individually.
  • Refrigeration Breakdown: Provides legal liability protection for a loss due to breakdown on heating and refrigeration units.
  • Permanently Attached Equipment: Offers additional coverage for equipment that is permanently attached to your truck.
  • Rental Reimbursement with Downtime Coverage: If you're in an accident and your truck is damaged—and you rely on it to make a living—this coverage can pay you a specified amount per day for a specific length of time to help keep you afloat.

​We’ve helped thousands of business owners across the Southeast with their commercial trucking insurance.
(786) 391-3886
1619 SW 107 Ave
Miami, FL 33165
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