Question 1

How long does it take to get a commercial truck insurance quote in Melbourne, FL?

Accepted Answer

Most Brevard County operators complete the 4-step quote wizard in under 5 minutes. Mariana Zorrilla typically follows up by phone or WhatsApp the same business day with carrier options tailored to your industry.

Question 2

What information do I need to request a quote?

Accepted Answer

Have your VIN (or year/make/model), DOT/MC number if applicable, driver license info, radius of operation, and a rough idea of cargo or passengers carried. The wizard walks you through everything step by step.

Question 3

Do you cover owner-operators, fleets, and last-mile delivery vans?

Accepted Answer

Yes. We quote semi trucks, box trucks, cargo vans, sprinters, hotshots, dump trucks, passenger transport, and Amazon DSP / FedEx Ground / courier fleets across Melbourne, Palm Bay, Cocoa, Titusville, and the I-95 corridor.

Question 4

Is there any cost or obligation to request a quote?

Accepted Answer

No. Quotes are 100% free with no obligation. You only bind coverage if the price and terms work for your operation.

Question 5

Which carriers do you shop for Brevard County truckers?

Accepted Answer

We shop multiple A-rated commercial transportation carriers admitted in Florida. Because we're independent, we match your operation to the carrier most likely to offer the best rate and the right endorsements (cargo, trailer interchange, non-trucking liability, etc.).

Question 6

Can I get a Port Canaveral or aerospace contractor quote here?

Accepted Answer

Absolutely. The wizard includes Aerospace/Space Coast contractors, Port Canaveral drayage, marine/boat transport, and other Brevard-specific verticals so your quote reflects the real exposures local carriers underwrite to.

Question 7

What is USDOT passenger authority and do I need it for shuttle or limo work?

Accepted Answer

USDOT passenger operating authority is required by the Federal Motor Carrier Safety Administration (FMCSA) for any for-hire passenger transport that crosses state lines OR uses a vehicle with 15+ passenger capacity. If you run cruise transfers, charters, or interstate shuttles, you'll need an active MC number with passenger authority before a carrier can bind your commercial auto policy.

Question 8

What are the federal liability limits for passenger transport?

Accepted Answer

FMCSA requires $1.5M combined single limit for vehicles seating 8–15 passengers and $5M for 16+ passengers. Cruise lines, hotels, and corporate accounts often require $5M minimum and naming them as Additional Insured. We quote you to the limit your contracts demand — not just the federal floor.

Question 9

I drive for Uber or Lyft only — can you write me a commercial policy?

Accepted Answer

No, and you actually don't need one. Uber and Lyft drivers are covered by a TNC (Transportation Network Company) endorsement on a personal auto policy. A commercial passenger policy is the wrong product and would cost 4–6x more without giving you better protection. Ask your personal auto agent for a TNC endorsement, or call us and we'll point you to the right product.

Question 10

What about NEMT (Non-Emergency Medical Transport) or paratransit?

Accepted Answer

NEMT requires its own underwriting class — most personal auto policies and standard commercial policies exclude wheelchair-accessible transport and Medicaid-broker contracts. We quote NEMT specifically and match you with carriers that understand wheelchair lifts, AHCA contracts, and broker network requirements.

Question 11

I don't have my DOT number / MC / LLC yet — can I still get insured?

Accepted Answer

Carriers can't bind a commercial policy without active operating authority and a registered business entity. Our sister company, Orlando Trucking Permits (orlandotruckingpermits.com), handles USDOT, MC, UCR registration, LLC formation, IFTA, IRP, and 2290 filings. Get your authority active there, then come back to us — we'll have your insurance ready the same week.

Question 12

What liability limit should owner-operators carry on a Class 8 truck?

Accepted Answer

FMCSA minimum is $750K for general freight and $1M for hazmat, but most brokers and shippers require $1M minimum and many demand $2M for refrigerated or high-value loads. We almost always quote $1M as the baseline because the premium difference vs. $750K is small and it opens up far more freight.

Request a Free Quote

What kind of operation do you run?

Quote Questions

Authority, Limits & Compliance

Need DOT, MC, or LLC first? We've got you.

Speak With Mariana Zorrilla