Commercial Auto

Commercial Auto & Trucking Insurance in Miami, FL

Protect Your Vehicles. Protect Your Business.

At WayGuard Insurance Group, we help businesses across Miami and South Florida stay protected on the road. Whether you manage a small delivery fleet, operate heavy-duty trucks, or own a single work vehicle, our commercial auto and trucking insurance solutions are built to fit your needs.

As a trusted independent insurance agency in Miami, we compare quotes from multiple top-rated carriers to find the right coverage at the best value, so you can focus on running your business with confidence.

Do You Need Commercial Auto Insurance in Florida?

You’re required to carry commercial auto insurance in Florida if you:

• Own or lease vehicles used for business purposes
• Transport equipment, goods, or tools
• Deliver goods locally, statewide, or nationally
• Have employees driving company or personal vehicles for work
• Operate a box truck, pickup, cargo van, or semi-truck

Whether you're a contractor in Kendall, a courier in Coral Gables, or a fleet operator in Doral, you need the right protection on the road.

What Does Commercial Auto Insurance Cover?

We offer flexible coverage options, including:

• Liability Insurance
  Covers bodily injury or property damage to others if you’re at fault in an accident.
• Collision & Comprehensive
  Pays to repair or replace your vehicle if it’s damaged by an accident, theft, vandalism, or storm.
• Uninsured/Underinsured Motorist
  Protects your business when the at-fault driver doesn’t have enough coverage.
• Medical Payments (MedPay)
  Helps cover medical bills for you or your employees after an accident.
• Hired & Non-Owned Auto
  Covers vehicles your business rents or employees use for work.
• Motor Truck Cargo Insurance (Optional)
  Covers the freight you're hauling—perfect for local and long-haul trucking companies.

Specialized Trucking Insurance in Miami, FL

We serve a wide range of trucking operations throughout South Florida:

• Owner-operators & fleet managers
• Dry van, refrigerated trucks, and flatbed haulers
• Dump trucks & tow trucks
• Local, regional, and long-haul routes
• Hazmat, tanker, and intermodal carriers

We understand FMCSA compliance, Florida DOT regulations, and the risks trucking companies face in and around the busy South Florida roadways and beyond.

Why Choose WayGuard Insurance Group?

• We Are Independent: We work for you, not the insurance companies.
• Local Expertise: Based in Miami, we know Florida’s rules, risks, and business climate.
• Flexible Options: Access top-rated carriers, with policies tailored to your operation.
• Fast Claims Support: We help you through every step, especially when the unexpected happens.

Get a Free Commercial Auto Quote Today

At WayGuard Insurance Group, we make it easy to protect what drives your business. Let us help you find the right commercial auto or trucking insurance in Miami, FL, at a price that works for you.

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