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Services

Commercial Insurance Services for Florida Trucking & Transportation

Every service below is written by Melbourne Truck Insurance through Garzor Insurance using A‑rated carriers. Click any service to see coverage details, typical premiums, required filings, and a quote form. Or call (321) 329-5556 and speak with Mariana Zorrilla directly.

Trucking Insurance

Commercial Truck Insurance

Liability, physical damage, and motor truck cargo for any commercial vehicle over 10,001 lbs GVWR. Starting around $9,800/yr for a clean owner‑operator on regional runs.

Semi Truck Insurance

Class 8 tractor and trailer coverage. Typical OTR programs $14,000–$22,000/yr per power unit, 80% lower for company drivers under non‑trucking liability.

Owner Operator Insurance

Under‑dispatch, primary liability, bobtail, and occupational accident in one program. We file your MCS‑90 and BMC‑91 the same day.

Fleet Insurance (3–100+ units)

Composite‑rated fleet programs with monthly reporting, telematics discounts, and dedicated loss control.

Ready to price your trucking policy? Get a same‑day quote.

Light Commercial Vehicles

Box Truck Insurance

16′, 20′, and 26′ straight trucks for last‑mile, moving, and expedited freight. From $4,200/yr.

Cargo Van Insurance (Sprinter / Transit / ProMaster)

Amazon DSP, courier, and expediter fleets. Composite rates from $3,400/yr per van.

Hotshot Trucking Insurance

Ram 3500/4500/5500 and F‑350/450/550 with gooseneck and dovetail trailers. MCS‑150 / DOT filings included.

Commercial Pickup Insurance

Contractor and service pickups under 10,001 lbs that still need commercial auto.

Box truck, van, or hotshot? We bind same‑day for clean operators.

Specialty Transportation

Port Canaveral Drayage Insurance

TWIC‑compatible drayage policies with container interchange and UIIA approval.

Passenger Transportation

Shuttles, limos, NEMT, charter buses, and Disney/Port Canaveral cruise transfers.

Boat Transport Insurance

Yacht and trailerable boat haulers — on‑hook, in‑transit cargo, and oversize permits.

Drayage, passenger, or boat haul? Talk to a specialist now.

Service Areas

Treasure Coast Hub

Region-wide commercial insurance hub for the Treasure Coast.

Brevard County

Coverage for Melbourne, Palm Bay, Cocoa, Titusville, and the entire Space Coast.

Indian River County

Vero Beach, Sebastian, and Fellsmere trucking & fleet policies.

St. Lucie County

Port St. Lucie and Fort Pierce commercial trucking specialists.

Martin County

Stuart, Palm City, and Hobe Sound transportation insurance.

Based on the Treasure Coast or Space Coast? Quote in 24 business hours.

Coverages We Place on Every Policy

  • Primary Auto Liability ($750K–$5M, including MCS‑90 endorsement)
  • Motor Truck Cargo ($25K–$250K, refrigeration breakdown available)
  • Physical Damage (Comp & Collision, Agreed Value or ACV)
  • General Liability ($1M/$2M, premises & operations)
  • Non‑Trucking Liability (bobtail) for leased owner‑operators
  • Trailer Interchange & Non‑Owned Trailer
  • Occupational Accident & Workers' Compensation
  • Hired & Non‑Owned Auto for fleets with employee drivers
  • Umbrella / Excess Liability up to $10M

Need a specific coverage on your COI today? Call and we'll issue it.

Filings We Handle In‑House

MCS‑90, BMC‑91, BMC‑34, Form E, Form H, IFTA carrier proof, UIIA, FMCSA biennial updates, and certificates of insurance (same business day before 4 PM ET).

How to Get Started

  1. 1

    Call (321) 329-5556 or submit the quote form.

  2. 2

    We shop 12+ carriers and email you a comparison within 24 business hours.

  3. 3

    Bind, file, and pull onto your next load — same day if needed.

One call. One local agent. Twelve carriers shopped.