As a small business owner or manager in Davie, FL, you might wonder what type of insurance your enterprise is legally obligated to obtain. We invite you to explore your commercial insurance requirements with us at the Zot Insurance Agency. Here, we elucidate some of the insurance types you’ll need as per state, county, and local government directives. Keep in mind that Florida laws mandate every business with employees to secure workers’ compensation insurance.

Which Insurance is Mandatory?

Workers’ compensation insurance is compulsory if your business employs personnel (with a few exceptions). Commercial auto insurance is required if your company owns vehicles for business purposes. Liability insurance safeguards your business against claims that your products have caused injury.

Though workers’ compensation and commercial auto insurance are the only insurance types mandated by Florida law, your city or county may necessitate additional insurance. It’s advisable to check with your local occupational licensing office to decipher these requirements. Moreover, if your business property or building is financed via a bank, the bank might require you to obtain commercial insurance for your property, building, or inventory.

Contact Zot Insurance Agency to Discuss Your Commercial Insurance Needs

At Zot Insurance Agency, our independence enables us to offer you a selection of commercial insurance that empowers you to decide based on your business requirements. We are eager to partner with your organization and have done so with various companies in the Davie, FL, area for many years. Our focus is on establishing a robust business relationship that will sustain your business as it expands. Call us now to schedule a meeting with one of our professional agents to review your ongoing insurance needs.

Ensuring that trucking insurance policies cover various types of use is essential. Not getting the right insurance can leave your truck unprotected and with a significant bill if something happens. Here are some different coverages you may need, depending on how your truck is used.

Physical Damage Coverage

Physical damage coverage is the basic coverage for a commercial truck. It generally protects against damage to your truck due to accidents, theft, vandalism, or natural disasters. Coverage typically only applies when a truck is being driven for work, such as on the roads around Davie, FL, or interstates heading elsewhere.

Bobtail Coverage for Non-Dispatched Use

Bobtail insurance is designed for instances when the truck is driven without a trailer, which is typically when it’s not under dispatch. This coverage may be important if you regularly return to home base in Davie, FL, after dropping off a load and don’t bring another trailer on the way back.

Downtime Coverage for Non-Driving

When a truck isn’t being driven, downtime coverage can provide protection. It’s not needed when filling up at a gas station but might be required if you regularly spend nights at rest stops.

Non-Trucking Liability Insurance

Non-trucking liability insurance generally offers protection when a truck is used for non-business purposes. It usually covers incidents during personal use, separate from hauling cargo.

Additional Coverage Options

In addition to these coverages, protections such as cargo insurance, uninsured/underinsured motorist coverage, and other protections are often also recommended. At Zot Insurance Agency, our agents can guide you through many coverage options.

Contact us at Zot Insurance Agency today to get help to insure your equipment with commercial truck insurance that provides robust protections.

You’re an independent trucker. You like it. You set your own hours. You don’t punch a clock or deal with dispatch. If you get your cargo from point A to point B in a reasonable time frame, that’s all you have to do, and the client gives you your paycheck. You do your job to the best of your ability, but some things are out of your control. You’ve got trucking insurance; that only makes sense. You may also want to consider cargo coverage. 

What Is Cargo Coverage?

Just as trucking insurance covers any damage done to your truck, cargo insurance offers coverage against loss or damage to the freight while you’re delivering it. Did you hit a speed bump, and one of the TVs you were carrying got crushed? Did some of the fish you’re transporting spoil? Did a box of goods fall off the truck somewhere and was never recovered? Were you mugged at a truck stop for the entire contents of your truck? Did your truck get in an accident and the cargo damaged or lost? Cargo coverage ensures you are not fiscally responsible for any of these losses. 

What Kind Do I Need?

If you drive a truck, you will need land cargo insurance. It covers collision, theft, and related risks. These kinds of policies are generally bound within national borders. Open cover cargo policies deal with various consignments, whether renewable or permanent. A contingency insurance policy is good for a situation where the customer is responsible for the damage or loss.  

Contact Insurance Agency Serving Davie, FL 

If you need trucking insurance or any other coverage for your trucking business and are in the Davie, FL area, please get in touch with Zot Insurance Agency. We’re here to help. 

For independent truck drivers who own and operate their trucks in and around Davie, FL, securing the right insurance coverage is crucial to protect their assets and livelihood. Unlike trucking companies with fleets, independent owner-operators have unique insurance considerations and coverage options that cater to their needs. 

Regulatory Requirements

Independent owner-operators must adhere to federal and state regulatory requirements concerning trucking insurance. One of the primary mandates is the minimum liability insurance coverage that varies based on the type of cargo being transported and the vehicle’s weight. 

Liability Insurance

Liability insurance is a fundamental coverage for independent owner-operators. It protects in case of accidents where the truck driver is found liable for bodily injury or property damage to others. 

Physical Damage Coverage

Physical damage coverage is crucial for independent owner-operators, as it protects their trucks against damage caused by collisions, vandalism, theft, or natural disasters. This coverage helps them repair or replace their vehicle without substantial financial burdens.

Cargo Insurance

Cargo insurance is essential for independent owner-operators who transport goods on behalf of shippers or freight brokers. This coverage protects the value of the cargo transported in case of damage or loss during transit. 

Non-Trucking Liability (NTL) Insurance

NTL, or bobtail insurance, is designed for independent owner-operators during non-business use periods when they are not under dispatch. It ensures that the driver remains protected even when not engaged in business activities.

Occupational Accident Insurance

While not traditional workers’ compensation, occupational accident insurance is an alternative coverage for independent owner-operators. This insurance handles injuries sustained on the job, covering medical expenses, disability, and accidental death benefits.

Zot Insurance Agency Can Help You

Here at Zot Insurance Agency, we can answer all your questions concerning trucking insurance. We assist the Davie, FL region. Contact us today.

Freelance professionals are at risk of various liabilities and other limitations. That’s why you should consider having commercial insurance designed for Freelance professionals. If you are considering securing insurance to protect you with your business endeavors as a freelancer, you can count on Zot Insurance Agency to assist you. We proudly serve the residents in and around the Davie, FL, area. 

Commercial Insurance 

Having the correct type of coverage for your business is essential. If you want to provide services to customers and have peace of mind knowing you’re covered, you’ll want to invest in commercial insurance for freelance professionals. Our insurance agents can provide the information and details you need to select the right policy to avoid risks and losses associated with your profession. 

We are dedicated to ensuring you get the support and information you need to make an informed decision about your insurance coverage. We carefully assess your risks and needs and use those details to recommend policies that protect you the most. Once you secure your policy, you can depend on us to provide you with support for any policy changes or if you need to file a claim. We strive to provide the best services so that you can focus on your business. 

Contact Zot Insurance Agency Today

To learn more about commercial insurance, you can rely on Zot Insurance Agency to provide the necessary details. We can answer questions or find a policy that meets and exceeds your expectations. We are proud to serve the residents of Davie, FL. Feel free to call or stop by to schedule a consultation with one of our agents today.