What Type of Insurance Should An Owner/Operator Carry?

In Davie, FL, owner/operators who drive big rigs for a living can find all the answers they need to important insurance questions by calling Zot Insurance Agency. Over the road trucking and even local route drivers enjoy an exciting career that has many opportunities for advancement. Buying your own tractor and trailer is a huge move upward. It also carries a lot of financial responsibility.

Truck and Auto Coverage

Just like any other vehicle on the road, as an owner/operator, you must carry the appropriate amount of insurance for your type of vehicle. As a vehicle, your tractor must be in compliance at all times with the amount of coverage required by the state of Florida, as well as any other states you may drive through as part of your everyday route. If you want to know the different types of coverage that are available for owner/operators, you need to talk to a licensed insurance agent. 

Business and Liability Coverage

Your rig is your office. It’s how you make your money and what you rely on to do your job successfully. This means you may want to look into various types of business and liability insurance to make sure you are fully protected if an accident occurs. This type of insurance protects your business from financial loss from either a traffic accident or a mishap that occurs with the load you are transporting.

The agents of Zot Insurance Agency are always available to answer any questions you may have concerning ownership of a trucking business. If you live in or near Davie, FL, call the agents today to schedule a consultation and find the answers you need to make an informed choice. We offer insurance solutions to those in Florida, Georgia, South Carolina, North Carolina, Tennessee, Alabama, and Texas.

What Kinds of Businesses Need Commercial Insurance?

As a business owner in Davie, FL, you have probably heard something about commercial insurance and how important it is to have. However, you are probably also wondering if it is the right thing for your business and if you should put any money towards it. Here at Zot Insurance Agency, we want to make sure you are fully protected in every way. 

How to Know if You Need Commercial Insurance

No matter what kind of business you are running, you need to have a commercial insurance policy. If you are wondering if your business should have a commercial insurance policy, the answer is yes. The beauty of a commercial insurance policy is that it is unique to every business. That means that you do not need to get a policy that does not work for your business. In fact, it should be made to meet all of the needs of your business. You can get a commercial insurance policy that can cover all kinds of things such as workers compensation for your employees, coverage for your building, machinery, and even proprietary information. It can even protect you from your employees in case one of them tries to go rogue. No matter what your specific needs are, you can get exactly what you need, and you can continue to protect your business from all kinds of outside factors. 

As you can see, a commercial insurance policy is one of the best things that you can get to protect your business, no matter what industry or type of business that you have. You can get a policy that meets all of your needs. If you do not already have one in place, be sure to reach out to us here at Zot Insurance Agency, serving Davie, FL, today. We can get you a free quote and can make sure that the policy you get fits within your budget. 

Home Insurance Tips for a Better Resale Price

How can Home Insurance Help my Resale Value?

How much you get for your home in Davie, FL depends on how you take care of your home — and it starts from the moment you unpack your first box. Upkeep and maintenance aren’t easy to do, but it’s necessary for a number of reasons. For starters, it helps you take more pride in your home, and it ensures you feel a deeper connection to your property. Although, you may be overlooking another major component, your home insurance policy. Zot Insurance Agency wants to help you learn more about your home’s upkeep.

The Fine Print 

Home insurance policies can be long, and somewhat confusing. They use jargon you may not be familiar with, and scenarios that don’t seem to apply to your life. This is due to the fact that it’s impossible to cover all of the situations that may happen to your home. But this explanation will do you little good if something happens to your home and you find you don’t have coverage to pay for the repairs. 

Not being able to pay for damage done to your home isn’t just inconvenient, it can be what ends up destroying the structure and property. For example, water damage from a small flood can turn into toxic black mold. A cracked foundation may end up making the home collapse eventually. But what’s most likely to happen is that the damage gets worse and worse, leading the home to decrease in sale value. It doesn’t even have to be a dramatic circumstance because even seemingly innocuous flaws in the home can spin out of control quickly. 

Zot Insurance Agency can help you maintain your property in Davie, FL for as long as you have it. Give us a call if you want to learn more about how a home insurance policy can help your home.