Miami Trucking Insurance built for PortMiami drayage and the Palmetto.
From owner-operators pulling containers out of PortMiami to box-truck fleets running Doral, Medley and Hialeah — NextGuard places Florida-compliant trucking coverage with A-rated carriers. Fast quotes, filings and COIs handled, one broker for every line. English, Español, Português.
Coverage
Every line a Miami motor carrier needs — under one roof
Whether you're running drayage out of PortMiami, warehousing in Doral and Medley, or last-mile box trucks across Dade County, we structure the program around how you actually operate — and around Miami realities like cargo theft, hurricane exposure and interchange liability.
Commercial Auto Liability
Primary liability that meets Florida's § 627.7415 intrastate minimums and FMCSA filing requirements (MCS-90, BMC-91) for interstate lanes up I-95 and the Turnpike.
Physical Damage
Collision and comprehensive on tractors, trailers and box trucks — with the theft and wind/flood exposure Miami underwriters price for, including unsecured-parking risk.
Trailer Interchange & Non-Owned
The coverage PortMiami and Port Everglades drayage runs on — protects your liability for chassis and containers you pull under interchange agreements.
Motor Truck Cargo
Protects the freight you haul — produce, reefer, general commodity and import/export containers — with reefer breakdown for South Florida perishables.
Non-Trucking Liability (Bobtail)
Coverage when you're driving without a load or off dispatch — essential for leased owner-operators running under a carrier's authority.
General Liability & Workers' Comp
Premises and operations coverage for your Medley or Hialeah yard, plus workers' comp for drivers and dock staff — often required on Miami facility leases and shipper contracts.
Trucks we insure across Miami-Dade:
Local Ground
We know the roads your trucks actually run
Miami-Dade is one of the toughest commercial-auto markets in the country — PortMiami and Port Everglades drayage, the warehouse belts of Doral, Medley and Hialeah, and dense four-wheeler traffic on the Palmetto (826), the Dolphin (836), I-95 and the Turnpike. Add organized cargo theft and hurricane season and you get real carrier scrutiny. We know how underwriters price Miami, and how to present your operation so you don't overpay for it.
Why NextGuard
A specialty brokerage — not a call-center quote mill
Global capacity, local hands
Backed by a top international broker with worldwide offices and specialists in the most complex risks — placing coverage through Lloyd's, London and A-rated international carriers, not just one domestic market.
Filings done for you
MCS-90, BMC-91, FMCSA filings and certificates of insurance issued fast, so you stay dispatch-ready and the port lets you work.
Trilingual service
We work with you in Spanish, English or Portuguese — start to finish, from application to claim. It's how Miami actually does business.
We shop the market
Multiple carriers, wholesale and specialized capacity — we bring that firepower to a single truck or a growing fleet so you never depend on one market's appetite.
FAQ
Miami trucking insurance questions
How much does trucking insurance cost in Miami?
In Miami, an owner-operator semi generally runs about $10,000–$22,000 per year, box trucks roughly $6,500–$15,000, and hotshots around $7,000–$16,000 — with owner-operators broadly landing in the $8,000–$18,000 range. Miami tends to price above the rest of Florida because of dense traffic on the Palmetto and Dolphin, cargo-theft exposure and unsecured parking. Your radius, commodity, driver records, equipment value and years in business all move the number. We structure your submission and shop multiple A-rated markets to get the sharpest rate.
Do I need trailer interchange for PortMiami drayage?
Almost always, yes. When you pull chassis and containers you don't own under an interchange agreement, trailer interchange and non-owned trailer coverage protect you for damage to that equipment. Most drayage contracts and the port require it. We build those layers into your program so you're covered and cleared to work the port.
What are Florida's minimum insurance requirements for a truck?
Florida Statute § 627.7415 sets minimum combined bodily-injury and property-damage liability for commercial vehicles by weight: $50,000 for 26,000–34,999 lb GVWR, $100,000 for 35,000–43,999 lb, and $300,000 for 44,000 lb and over. Interstate operations follow FMCSA minimums instead — $750,000 general freight, $1,000,000 oil, $5,000,000 hazmat. Most Miami shippers and freight brokers also require a $1,000,000 combined single limit plus cargo.
Do you cover single owner-operators as well as fleets?
Yes. We place coverage for single-truck owner-operators, leased drivers needing bobtail/non-trucking liability, and fleets of every size — all through one broker.
Can you handle my FMCSA filings and COIs?
Absolutely. We issue MCS-90 and BMC-91 filings and certificates of insurance quickly — including additional-insured COIs your shippers and the port require — so you can keep operating without gaps.
How fast can I get a quote?
Most Miami trucking quotes are turned around within 24 hours once we have your basic operation details, driver info and loss history. Complete the form or call us and we'll get moving today.
One submission, done right
Calling 10 agencies actually slows you down — and costs you options
In commercial trucking, insurers award your account to the first broker who submits it — it's called market clearance. When several agencies send the same operation to the same carriers, those markets get blocked or decline outright. So sending your account to 10 agencies doesn't get you more quotes — it shrinks your options and delays every one.
Give it to one broker who controls a clean submission to the full market. We shop Lloyd's, London and A-rated carriers on your behalf — once — and bring you the strongest terms, faster.
Get your Miami trucking quote
Tell us about your operation. We'll shop A-rated markets and come back fast — usually within 24 hours.
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