About Us
About Melbourne Truck Insurance
Melbourne Truck Insurance is the Brevard County–based commercial trucking division of Garzor Insurance. We write commercial auto, motor truck cargo, general liability, physical damage, and fleet policies for owner‑operators, hotshot haulers, box truck businesses, port drayage carriers, passenger transport operators, and growing fleets across Melbourne, Palm Bay, Cocoa, Titusville, Viera, Vero Beach, Fort Pierce, Port St. Lucie, and Stuart. Our office sits 12 minutes from I‑95 at 1460 Baytree Dr Suite D, Palm Bay, FL 32905 — and we answer the phone.
Who We Are
We are an independent commercial insurance team. That means we shop your risk across more than a dozen A‑rated trucking carriers — Progressive Commercial, Berkshire Hathaway GUARD, Great West, Canal, Sentry, Nationwide E&S, Cover Whale, Pie, Lancer, Trisura, and others — instead of forcing you into one company. You get a price comparison, an honest recommendation, and one local point of contact for the life of your policy.
Meet Mariana Zorrilla — Your Licensed Commercial Advisor
Mariana Zorrilla is a Florida‑licensed commercial lines agent (2‑20) who specializes in trucking and transportation risks on the Space Coast and Treasure Coast. She has placed coverage for single‑truck owner‑operators running Port Canaveral, Amazon DSP fleets out of Melbourne, hotshot Ram 5500 operators on I‑95, and 40‑power‑unit citrus haulers in Indian River County. Mariana speaks English and Spanish, files MCS‑90s and BMC‑91s, issues same‑day certificates, and is the person who actually picks up when you call (321) 329-5556.
Why Brevard County Carriers Choose Us
Local underwriting knowledge. We know SR‑528, the Pineda Causeway, the Port Canaveral TWIC gates, the I‑95 Viera widening, and which Brevard ZIP codes underwriters love (and which they surcharge).
Same‑day certificates. Need a COI for a broker, shipper, or Port Canaveral terminal before the load leaves? Email or call before 4 PM ET; you get it the same business day.
DOT and FMCSA filings handled in‑house. MCS‑90, BMC‑91, Form E, IFTA carrier proof — we file directly with FMCSA and the state.
Bilingual service. Atendemos en español. Mariana lleva pólizas comerciales en español desde el primer día.
Independent, not captive. We rewrite your policy at every renewal — only 38% of our clients stay with the same carrier two years in a row, because the trucking market moves and we move with it.
What We Insure
- Semi‑trucks, day cabs, and sleeper tractors
- Box trucks (16′–26′), straight trucks, and refrigerated units
- Cargo vans (Sprinter, Transit, ProMaster) and Amazon DSP fleets
- Hotshot pickups and gooseneck combinations (Ram 3500/4500/5500, F‑350/450/550)
- Owner‑operator under‑dispatch and non‑trucking liability
- Commercial fleets (3 to 100+ power units)
- Port Canaveral drayage and intermodal containers
- Passenger transport: limos, shuttles, NEMT, charter
- Boat haulers and oversize/wide‑load carriers
- Motor truck cargo, refrigeration breakdown, trailer interchange, on‑hook
Service Area
Headquartered in Palm Bay, we write policies across the entire Treasure Coast and Space Coast: Brevard County (Melbourne, Palm Bay, Cocoa, Titusville, Rockledge, Viera, Merritt Island, Cape Canaveral), Indian River County (Vero Beach, Sebastian, Fellsmere), St. Lucie County (Port St. Lucie, Fort Pierce), and Martin County (Stuart, Palm City, Hobe Sound). Florida‑wide policies available on request.
Our Process
- 1
Free quote call (10 minutes). Tell us your trucks, radius, commodities, drivers, and loss history.
- 2
Multi‑carrier shop. We pull rates from every carrier that fits your operation.
- 3
Side‑by‑side comparison. You see prices, deductibles, limits, and exclusions in plain English.
- 4
Bind and file. We bind the policy, file MCS‑90/BMC‑91, and issue your certificate the same day.
- 5
Lifetime service. Endorsements, COIs, claims advocacy, and renewal re‑shop — included.
Trust & Credentials
- • Florida licensed: Garzor Insurance, license #L107448
- • Independent appointments with 12+ A‑rated commercial trucking carriers
- • BBB‑listed and Better Business Bureau A+ standing
- • FMCSA‑authorized filings (MCS‑90, BMC‑91, Form E)
- • Member: Florida Trucking Association referral network