Trucking Insurance in Miami, FL
What you haul shapes what you stand to lose. Refrigerated freight, dry van loads and flatbed work each carry different cargo exposures. At Mel’s Insurance Agency, our team helps carriers in Miami, FL set trucking insurance limits that reflect their commodity.
What Does Trucking Insurance Cover?
Trucking insurance is a commercial lines product designed for the specific demands of the transportation industry. Coverage typically includes:
Commercial auto liability coverage—May help cover bodily injury and property damage you cause to others in an accident on the road- Physical damage coverage—For your trucks and trailers, including collision and comprehensive perils
- Motor truck cargo insurance—May help cover the freight you haul against loss or damage
- General liability insurance—May help cover incidents that occur away from the road, such as loading and unloading accidents or incidents in offices or garages
- Bobtail and non-trucking liability—May apply when a truck is operated without a trailer or outside of dispatch (i.e., for personal errands)
- Trailer interchange coverage—May help cover damage to a trailer you pull under an interchange agreement
- Refrigeration breakdown coverage—May help cover cargo loss caused by a mechanical failure of your refrigeration unit
Coverage needs vary by haul type, operating radius and commodities carried, so policies are typically tailored to your specific operation.
Is Trucking Insurance Mandatory?
Federal and state regulations require commercial truck operators to carry minimum liability coverage. Required limits vary based on the type of cargo hauled and the authority under which the carrier operates. Operating without proper coverage can result in loss of operating authority and regulatory penalties.
Get Covered Today
Contact Mel’s Florida Insurance Agency to discuss your trucking operation and review your coverage options.