Container hauling coverage built to clear PortMiami gates and UIIA equipment providers the first time — auto liability with the intermodal endorsement, trailer interchange, cargo, general liability and USL&H, placed by an independent broker.
Drayage insurance in Miami is the coverage package a container hauler needs to pull boxes in and out of PortMiami and Port Everglades. At minimum that means $1 million auto liability with the UIIA intermodal endorsement, $1 million general liability (PortMiami asks for $1M per occurrence / $2M aggregate with Miami-Dade County as additional insured), trailer interchange for the containers and chassis you pull, motor truck cargo, and — for PortMiami permits — workers' comp that includes USL&H. For a single owner-operator, a complete package commonly runs about $9,000–$18,000+ a year; new authority, Miami-Dade garaging and losses push it toward the top.
Two rulebooks decide whether your truck moves: the port permit and the Uniform Intermodal Interchange Agreement (UIIA) that steamship lines and chassis providers use. Miss one line and the gate or the equipment provider turns you away.
| Item | Requirement | Who asks |
|---|---|---|
| Auto liability | $1,000,000 combined single limit; UIIA endorsement (UIIE-1 / CA 23 17) on the policy; equipment providers as additional insureds | UIIA · PortMiami |
| General liability | $1M per occurrence (UIIA). PortMiami: $1M per occurrence / $2M aggregate, Miami-Dade County named additional insured | UIIA · PortMiami |
| Trailer interchange | Physical damage to containers and chassis in your care — comprehensive, collision, fire, theft. Limit and deductible set by each equipment provider | Steamship lines · chassis pools |
| Workers' comp | Coverage under the U.S. Longshore & Harbor Workers' Act (USL&H) for work on navigable waters; statutory WC/EL where equipment providers require it | PortMiami · some EPs |
| Motor truck cargo | Usually $100,000 per load; higher for reefer or high-value boxes | Brokers · BCOs |
| Port permit | PortMiami cartage permit: $400 processing + $500 permit, USDOT/MC number, business license | PortMiami |
| Credentials | SCAC code and UIIA enrollment; TWIC card for unescorted access to secure terminal areas | UIIA · TSA |
Requirements summarized from PortMiami's trucking-permit page and the Intermodal Association of North America's UIIA insurance requirements. Equipment providers can require more — we check your list before binding.
One program, one renewal date, one certificate packet for every steamship line and chassis pool you pull for.
$1M CSL with the intermodal endorsement so the UIIA system accepts it. Scheduled, hired or any-auto symbols as your equipment providers require.
Covers the container and chassis you don't own while they're hooked to your truck — the line most Miami carriers are underinsured on.
$100K standard, higher limits for reefer, electronics and high-value freight. Reefer breakdown available.
Agreed or stated value on the tractor, with rental reimbursement and towing so a wreck doesn't park your business.
$1M/$2M with Miami-Dade County and equipment providers as additional insureds — the port permit won't issue without it.
Statutory comp with the Longshore endorsement for port work. Occupational accident for owner-operators who aren't on comp.
For owner-operators leased to a drayage carrier — covers the truck when it's not under dispatch.
We issue and track certificates for every steamship line, chassis pool and terminal so your UIIA file never lapses.
Typical annual ranges for one power unit with clean MVRs. Miami-Dade garaging usually lands in the upper half.
| Coverage | Typical annual premium |
|---|---|
| Primary auto liability ($1M) | $4,000 – $7,000+ |
| Physical damage | $3,000 – $6,000 |
| Trailer interchange | $800 – $2,000 |
| Motor truck cargo ($100K) | $600 – $1,500 |
| General liability w/ additional insureds | $500 – $1,200 |
| Non-trucking liability (leased-on) | $300 – $600 |
| Full package, one truck | about $9,000 – $18,000+ |
Illustrative ranges, not a quote. New authority (under 2 years), drivers under 2 years CDL experience, hazmat, overweight or prior losses raise the rate.
Send it all in one email to adolfo@nextguardinsurance.com — no back-and-forth calls.
Four short steps. Most quotes come back in 24–48 hours, and you can bind within 2–3 days.
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