Commercial Truck Insurance Miami, FL

Commercial auto insurance offers coverage for business-related auto accidents, but this type of insurance is typically constrained to standard motor vehicles. Due to the increased risk of operating a commercial truck, business owners need specialized commercial truck insurance to protect themselves and their drivers on the road.

At FIB Insurance, we work with owner-operators and fleet managers in Miami, Pembroke Pines, and the surrounding areas to help them find the commercial truck insurance policies they need to ensure their valuable assets are fully protected.

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Why FIB?

With over 20 years of experience in the insurance industry, FIB Insurance has worked with countless clients in Miami, FL across a variety of industries to help them find insurance policies that meet their coverage needs and budgetary requirements. We understand that every client has different needs, and our insurance agents will work closely with you to find a customized policy that protects your valuable commercial assets.

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What Does Commercial Truck Insurance Cover?

Commercial truck insurance is a broad term that refers to several different types of commercial auto insurance tailored to the trucking industry. Like commercial auto insurance, commercial truck insurance offers coverage for business-related auto accidents.

Additionally, commercial truck insurance offers protection for your assets being carried on your commercial trucks. As long as a “permissive user”—someone who is listed as a driver on your policy—is driving the truck, your commercial truck coverage applies.

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Types of Trucks Covered

Commercial truck insurance can apply to a wide variety of trucks, including:

  • Flatbed trucks
  • Agricultural trucks
  • Dump trucks
  • Ice cream trucks
  • Refrigerated trucks
  • Tow trucks
  • Tractors
  • Tanker trucks
  • Garbage trucks
  • Cement mixers
  • Delivery vans
  • And more
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Customization Options

In addition to the standard coverage offered by most commercial truck insurance policies, you may be able to add optional coverages to accommodate your unique needs, including:

  • Non-trucking liability insurance
  • Motor truck general liability insurance
  • Motor truck cargo insurance
  • Trailer interchange insurance

Our insurance agents will work with you to ensure your policy meets your coverage needs.

Commercial Truck Insurance FAQs

Here are answers to some of the most common questions we get about truck insurance in Miami, FL:

How does commercial truck insurance differ from commercial auto insurance?

Commercial auto insurance typically does not include commercial trucks due to the unique risks associated with them. Instead, commercial auto insurance is generally restricted to non-specialized company vehicles.

How much does commercial truck insurance cost?

The cost of your commercial truck insurance will depend on factors such as:

  • Driving record
  • USDOT authority
  • Vehicle type
  • Cargo
  • Operating area
  • Coverage needs

Our insurance agents will work with you to find a policy that fits your budget and will walk you through potential discount opportunities.

Does commercial truck insurance cover personal use?

If you are operating under your own authority as the owner of the truck, then commercial truck insurance will typically cover personal use. However, if you are leased through a motor carrier, then personal use is not usually covered unless you purchase non-trucking liability coverage.

Request a Quote Today

If your business uses trucks to transport cargo, commercial truck insurance is an absolute necessity to protect you, your business, and your employees while on the road.

Speak with an FIB Insurance agent today to get a quote for your customized auto policy.

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We specialize in more insurance policies! Take a look at our other coverage options below.