• armbrandmedia

Melbourne, Fla.—Choosing the right types of commercial auto and truck insurance protects you from having to pay for repairs or medical bills caused by an accident, and most importantly, it can protect you against uninsured drivers. If your company operates one or a fleet of 18 wheeler trucks, here are the types of insurance you may need to consider:

Motor Truck General Liability Insurance

Trucking general liability insurance covers legal defense fees, court costs, and settlements or judgments if a client sues you. It also covers accidents or damage that may happen at your company's place of business. You must be aware of its limits and ask your insurance agent about the possible need to add an umbrella coverage, depending on your type of operation and its risks.

Bobtail Insurance

Truck business owners who drive their 18-wheeler vehicles without a trailer or with an empty trailer, bobtail insurance or deadheading insurance is a necessity. It oftentimes is confused with the Non-Trucking Liability coverage which may cover some of the loss, but not at much as the Bobtail Insurance.

Mechanical Breakdown Insurance

Managing out of pocket expenses can become a real issue. This type of truck insurance covers them, if repairs are needed to continue your operations.

Motor Truck Cargo Insurance

This type of insurance can provide coverage on freight or commodity and liability for cargo. This option can include coverage for losses that occurred from fire, collision, or striking. Sometimes this also includes coverage to pay for debris removal and prevention of further loss to damaged cargo, legal defenses, and freight charges lost by the customer.

Motor Carrier Insurance

Provides protection for your trucking business when you are using permanently leased independent contractors.

Non-Trucking Liability Insurance

Provides coverage for the use of a truck for non-business purpose when using your truck on days off.

Optional Downtime Coverage

This type of coverage provides you with financial protection in situations that will keep your truck out of the roads for some time.

Limited Depreciation Coverage

If your vehicle is declared a total loss after an accident limited depreciation coverage can help to cover the gap between the fair market value that the insurance will likely pay out and what you owe on the vehicle, or the cost to replace the vehicle.

Passenger Accident Insurance

Provides coverage for the driver if an accident occurs while an uninsured passenger is in the vehicle.

Physical Damage Coverage

Provides coverage to protect your commercial vehicle when physical damage occurs, including collision, comprehensive, fire and theft, and others.

On-Hook Coverage

Provides coverage of repairs, or replacement, of vehicles that are not owned by your business if they are damaged by collision, fire, theft, explosion, or vandalism when they are towing or hauling.

Supplemental Towing and Clean Up

Provides additional insurance coverage for towing businesses and cleaning up of pollutants and other debris.

Trailer Interchange Agreement Insurance

If you don't own your trailer, you need trailer interchange insurance to cover physical damage to your truck.

As commercial vehicles and truck insurance brokers located in Melbourne, Florida, we extremely happy to offer you the benefits of working with us in the Space Coast area.

Contact one of our local commercial/truck insurance agents to find out what options are available for your trucking and transportation business in the Palm Bay area, and help you start saving on the protections needed to keep it always afloat. Melbourne Truck Insurance has the products and underwriting experience that meet the insurance needs of your business.

Give us a call for a FREE consultation (321) 329-5556, at Melbourne Truck Insurance.



Transportation Specialist

Bilingual:English | Spanish

3 views0 comments
  • armbrandmedia

Photo by FDOT

Melbourne, Fla.—Space Florida applied for a U.S. Department of Transportation grant that would enable construction of a new span in 2021. The grant, recently signed by Governor DeSantis, provides funds to rebuild the Indian River Bridge and roadway improvements to Space Commerce Way in Merritt Island. The state of Florida, led by Space Florida and supported by FDOT, was named an INFRA Grant award recipient by the U.S. Department of Transportation in a partnership with NASA and FHWA for both the Indian River Bridge Replacement and roadway improvements to Space Commerce Way.

The federal grant will help replace a deteriorating bridge that serves as a critical link for employees, tourists and spacecraft bound for Kennedy Space Center and Cape Canaveral Air Force Station.

The $126 million bridge project includes new high-level fixed bridges that replace the current twin draw bridges built in 1964. Bridge enhancements will provide critical support for large vehicles that are necessary for future space launches. The new bridges will also serve as a public access route between the mainland near Titusville and North Merritt Island as well as a hurricane evacuation route for residents of the barrier islands in the area.

Also included in the grant funding is widening approximately 2.7 miles of Space Commerce Way to four lanes. Improvements along this corridor offer enhanced access for the public and commercial traffic, which helps to ensure critical commerce through the area, benefiting all businesses including those in the space industry. Roadway improvements on this corridor total an additional $24 million.

Built in 2001, Space Commerce Way is a mostly two-lane road that loops from State Road 3 on Merritt Island to State Road 405, also called the NASA Causeway. The road cuts through state-run Exploration Park, where Blue Origin has built a massive factory for New Glenn rockets and OneWeb Satellites aims to crank out small communications satellites. Firefly Aerospace also announced their plans to build Alpha and Beta rockets there too. These three companies are responsible to produce nearly 1,000 jobs, and a need to move heavy equipment back and forth from the mainland to manufacturing sites and launch facilities.

The construction of the new bridges is anticipated to begin in late 2021 and estimated to be complete in 2025. “Getting this bridge fixed now is critical to growing the industry and launch cadence here in Florida and will modernize the Cape Canaveral Spaceport infrastructure so Florida can remain a global leader in space commerce and exploration.” said Frank DiBello, Space Florida President and CEO.

Construction of the improvements to Space Commerce Way is expected to begin in late 2022 and estimated to be complete by late 2024.

As commercial vehicles and truck insurance brokers located in Melbourne, Florida, we could not be more pleased with these amazing news and the benefits it will bring to many of our hard working clients in the Space Coast area.

Contact one of our local commercial/truck insurance agents to find out what options are available for your trucking and transportation business in the Space Coast area, and help you start saving on the protections needed to keep it always afloat. Melbourne Truck Insurance has the products and underwriting experience that meet the insurance needs of your business.

Give us a call for a FREE consultation (321) 329-5556, at Melbourne Truck Insurance.




English | Spanish

6 views0 comments

Updated: Feb 1

Melbourne, Fla.—In an effort to assist service members and veterans in transitioning to civilian transportation careers the Federal Motor Carrier Safety Administration (FMCSA) has developed several programs that make it easier, quicker, and less expensive for experienced military drivers to obtain Commercial Driver’s Licenses (CDLs).

It is not difficult to link service members and veterans with military driving experience as qualified drivers to help and support the commercial truck and bus driver shortage, given its continued high demand.

Programs include:

Commercial Motor Vehicle Operator Safety Grants

The FMCSA also provides funds to educational institutions that provide commercial driver training, including accredited public or private colleges, universities, vocational-technical schools, post-secondary educational institutions, truck driver training schools, associations, and state and local governments. Grants help institutions recruit and train active duty personnel, veterans, and their families for professional bus and truck driving careers.

The Military Test Waiver Program, which allows drivers with two years of experience operating heavy military vehicles safely, to obtain a Commercial Driver’s License (CDL). It is available in all states, and so far more than 40,000 service members have taken advantage of this great program.

The Under 21 Military Driver Program

This program is a three-year pilot program that allows qualifying military drivers of ages below 21, to operate CMVs in interstate commerce. The program exists because all states except one issue CDLs with intrastate restrictions to individuals of those ages.

An Even Exchange Program or Knowledge Test Waiver

This program allows qualified military drivers to be exempt from the knowledge test for obtaining a CDL. When used with the Military Skills Test Waiver, this allows a driver to exchange a military license for a CDL.

States currently participating




North Carolina

North Dakota




South Carolina



New Mexico


West Virginia

Other states working on its implementation include: Alabama, Arkansas, Connecticut, Florida, Maine, Michigan, Montana, Tennessee, Washington, and Wyoming (as of Dec. 1, 2020).

In Florida, currently, military customers requesting to be issued a CDL due to qualifications of experience while serving on military duty must:

  • Pass all required knowledge and endorsement tests for the CDL license class and endorsements they are applying to obtain, and

  • Present the Certification for Waiver of Skill Test for Military Personnel form completed by their commanding officer or designee while on active duty or within 90 days of separation from service in order to be exempt from taking the skills tests.

The process must be completed and the CDL issued within 120 days of separation from service.

In addition, applicants must be at least 18 years of age. If they are under 21, they will be restricted to intrastate operation only. Also, knowledge tests are offered in multiple languages and may be taken orally in English or Spanish with the exception of the hazardous materials test. Skills tests must be conducted in English. Interpreters may not be used during the administration of any tests.

First, we would like to Thank You for Your Service, and if you choose to pursue a career in truck driving or start transportation business in Florida and need insurance advice, give us a call for a free consultation (321) 329-5556. One of our local truck insurance agents at Melbourne Truck Insurance will be more than happy to walk you through all of your options.



Trucking Specialist


English | Spanish

5 views0 comments

Monday - Friday 

8:30 am to 6: pm

Fill out this form

Success! Message received.