Commercial truck insurance in miami

Owners and operators of commercial trucks can't get by with a standard commercial auto insurance policy. In addition to protecting the cargo that they carry, truckers must consider the massive physical damage that can be caused by their trucks, the potential environmental issues an accident could cause, and the expensive cost to repair their large vehicles.

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Truck Insurance Coverages in Miami Lakes, Florida
What kind of insurance do I need for my trucking business?
How much insurance do I need for a trucking company?
Why is commercial truck insurance so high?
How can I lower the cost of commercial truck insurance?

Liability Insurance

For bodily injury and property damage liability exposure, one should consider an auto liability insurance policy. This policy will protect truckers by covering many different types of harm that they can unintentionally inflict on others and their property. This includes accidental damage to a retailer’s delivery dock, to other drivers, vehicles, and pedestrians.

Cargo Insurance

Your clients rely on you to safely deliver their cargo in the same condition it was in when they turned it over to you. With cargo insurance you can reimburse a client for qualifying damages made to their cargo during transport—and all without tapping into your business bank account except to pay the deductible.

Bobtail Insurance

When your truck is without cargo, it still needs protection. Bobtail insurance covers your truck even when it is not operational.

Physical Damage Insurance

If your truck is in an accident or collision, you need the right commercial insurance policy protecting your financial interests. Collision insurance and comprehensive insurance can cover various accidents and damages caused by theft, vandalism and fire.

Environmental Liability Insurance

If your truck carries cargo that can be environmentally toxic or could contribute to pollution, you need special insurance to help pay for the cost of the cleanup if it should be spilled in an accident. Environmental liability insurance will cover this expense, as long as it occurs in a qualifying situation.

Thank you for your interest in US1 Insurance & Financial Services of Miami. Please feel free to contact one of our locations either in Miami at 305-220-5122 or Hialeah at 305-828-7222 or email your questions and an insurance professional will reply promptly.

At Sharp Insurance Agency, we can help you find the right coverage at a fair price for your truck or trucking insurance needs in Miami Lakes, Florida including the Boca Raton, Coral Gables, Orlando, South Miami, and Weston areas.

We work with some of the top rated companies for your commercial truck insurance policy and tailor a package that meets your truck and trailer needs.

Truck Insurance Coverages in Miami Lakes, Florida

Primary Liability - This coverage option protects you from damage or injuries to other people as a result of a truck accident. This coverage is mandated by state and federal agencies
Comprehensive Physical Damage and Collision Coverage - This insurance is coverage for your truck and trailer. This coverage is for repair or replacement for damage resulting from things such as collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism to your owned vehicles.
Motor Truck Cargo Coverage - Motor Truck Cargo insurance protects the transporter for his responsibility in the event of damaged or lost freight. The policy is purchased with a maximum load limit per vehicle.
General Liability - This coverage provides protection for injuries or property damage sustained while on your premises, using your products or services, or because of a breach of contract. Our company can offer you many lines of coverage for Artisans Contractors, Contractors Liability, Contractual Liability, Electrical Work, and Plumbing.
Non-Trucking Liability/Bobtail Coverage - Non-Trucking Liability (Bobtail Coverage) provides limited liability insurance for owner-operators who are permanently leased to an ICC regulated carrier. It provides limited liability protection when the owner-operator is not on dispatch, nor pulling a loaded trailer.

Whether you're looking for owner operator, motor carrier or private carrier, we can help you find the best fit for your trucking insurance coverage. Contact us to find out more about truck and trucking insurance in Miami Lakes, Florida including the Boca Raton, Coral Gables, Orlando, South Miami, and Weston areas.

Miami Truck Insurance offer Truck Insurance for the following operations: Agricultural Haulers, Auto Haulers, Bulk Hoppers, Dry Vans, Dirt/Sand/Gravel, Flat Bed, Grain Haulers, Heavy Haulers, Hazmat, Hotshot. Intermodal, Livestock / Cattle, Loggers, LTL, Milk Haulers, Oilfield, Refrigerated Goods, Steel Haulers, Tankers, Towing, Local, Long-haul, Intermediate

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What kind of insurance do I need for my trucking business?

Truck drivers are required to carry commercial auto insurance, but what about other types of business insurance? While not legally mandated, trucking general liability insurance, business interruption insurance and motor cargo coverage can help protect your company from lawsuits and losses.

How much insurance do I need for a trucking company?

INTERSTATE TRUCK LIABILITY INSURANCE—MINIMUM REQUIREMENTS These are minimum limits required by the FMCSA, but many shippers and brokers require a minimum of $1,000,000 in coverage regardless of what the truck is hauling. Some trucking companies voluntarily purchase more than the minimum required.

Why is commercial truck insurance so high?

High Losses The degree of loss in the trucking industry is also an important factor to consider. Unlike personal vehicles where you may have a minor fender bender, most accidents involving semi and dump trucks result in huge losses. Losses exceeding $100,000 are common.