Coverage for straight trucks that keep Miami moving — furniture and appliance delivery out of Doral and Hialeah, movers, last-mile and Amazon Relay loads. Auto liability, cargo, physical damage and general liability that meet your broker and customer contracts, placed by an independent broker.
Box truck insurance in Miami covers 16–26 ft straight trucks used for delivery, moving, freight and Amazon Relay loads. A working policy usually includes commercial auto liability (brokers and Amazon Relay require $1 million), motor truck cargo ($100,000 is standard), physical damage on the truck, general liability for deliveries inside customers' homes and businesses, and hired/non-owned auto. Typical annual cost runs about $3,000–$7,200 for a 16 ft local truck, $6,600–$13,200 for a 26 ft truck, and $18,000+ in the first year for a new venture — Miami-Dade garaging usually lands in the upper half.
Florida's legal minimums for a box truck are low. The limits that decide whether you get loads are the ones in your broker, Amazon Relay and customer contracts.
| Who sets it | Requirement | Applies when |
|---|---|---|
| Florida law (§ 627.7415) | $50,000 combined liability per occurrence for trucks 26,000–35,000 lb GVWR; lighter trucks follow Florida's standard PIP and property damage rules | Intrastate operation |
| FMCSA | $750,000 liability for general freight; USDOT number required over 10,001 lb GVWR in interstate commerce, MC number for for-hire interstate | Crossing state lines or hauling interstate freight |
| Amazon Relay | $1M auto liability, $100K cargo, $1M/$2M general liability; workers' comp with $100K employer's liability if you have employees; MC active 180+ days | Hauling Amazon Relay loads |
| Freight brokers | $1M auto liability and $100K cargo is the common minimum; certificate naming the broker | Brokered loads |
| Retail & warehouse contracts | General liability with the customer as additional insured, hired/non-owned auto, often workers' comp | Furniture, appliance and last-mile delivery |
Sources: Florida Statutes § 627.7415; FMCSA 49 CFR Part 387; Amazon Relay's published carrier insurance requirements. Contracts can require more — we check yours before binding.
One program that clears broker, Amazon and customer requirements, with one renewal date and certificates the same day.
$750K–$1M combined single limit, scheduled or any-auto, so you qualify for brokered and Amazon Relay loads.
$100K standard, higher for electronics and furniture; reefer breakdown for food and produce boxes.
Collision and comprehensive on the truck and liftgate, with rental reimbursement and towing to limit downtime.
Covers damage and injuries while delivering or installing inside a customer's home or store — required by most retail contracts.
Covers rented box trucks and employees' cars used for business.
Workers' comp for helpers and W-2 drivers; occupational accident for 1099 owner-operators.
Cargo and GL built for local movers, with valuation options that match your bill of lading.
Same-day certificates for brokers, Amazon Relay and retail customers — no waiting on a call center.
Annual ranges published for 2026. Miami-Dade garaging, young drivers and losses push toward the top.
| Truck & operation | Typical annual premium |
|---|---|
| 16 ft, local delivery | $3,000 – $7,200 |
| 26 ft, regional delivery | $6,600 – $13,200 |
| 26 ft, new venture (first year) | $18,000 – $31,200 |
| Amazon Relay carrier, experienced | $8,000 – $14,000 |
| Amazon Relay carrier, new | $12,000 – $18,000 |
Illustrative ranges from FreightWaves and Amazon Relay's carrier guidance — not a quote. Your price depends on truck value, radius, cargo, drivers and loss history.
Send it all in one email to adolfo@nextguardinsurance.com — no back-and-forth calls.
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