What Are Some Common Exclusions In Trucking Insurance Policies?

Some standard exclusions in trucking insurance policies include hauling hazardous materials, driving beyond a certain distance from the driver’s home base, driving a certain number of miles in a day, driving on certain types of roads, or driving a specific class of trucks. For consultations in Davie, FL, consult Zot Insurance Agency. 

What Does Trucking Exclusions Entail? 

If your policy has an exclusion, you will not be covered if you are involved in a claim. Other exclusions include transporting cargo for hire, operating outside the U.S., using a truck that is not covered by insurance, using an unlicensed driver, using an uninsured driver, using an unlicensed or uninsured carrier, exceeding the load limit, driving recklessly, driving negligently, failing to maintain the truck, failing to maintain the cargo, and failing to maintain insurance. 

Most trucking insurance policies exclude certain types of cargo. For example, some policies exclude hauling materials with a high risk of explosion or very flammable materials. Other policies exclude hauling materials that are very heavy, such as certain types of concrete. Some policies exclude hauling materials with a high risk of falling from the truck, such as large pieces of glass. 

Some common exclusions that you may find in trucking insurance policies include towing or hauling:  

  • Hazardous materials
  • Goods that exceed a certain value
  • Cars or livestock
  • Livestock or vehicles with a certain value
  • A vehicle in non-emergency circumstances
  • Non-operational cars
  • Anything other than an insured truck
  • Anything other than an insured trailer
  • Anything other than an insured semi
  • Anything other than an insured commercial motor vehicle
  • Anything other than an insured motor vehicle
  • Anything other than an insured motor vehicle in non-emergency circumstances
  • Anything other than an insured motor vehicle that exceeds a certain value

Bottom Line 

Some companies exclude hauling certain types of trailers, such as those not rated for the cargo weight. You can also remain uncovered for driving into certain locations, driving a certain distance, or driving a certain type of load. You will need a separate policy if you need coverage for hauling hazardous materials. For help, call Zot Insurance Agency, serving in Davie, FL.

Benefits of trucking insurance

Davie, FL trucking companies can turn to Zot Insurance Agency for their commercial insurance needs. If you are in the Davie area and want to ensure that your trucking firm has the coverage it needs, give us a call today. 

Protect your company with trucking insurance

Owning a successful trucking company takes a lot of work. Fortunately, protecting all of your investments can be quickly done by obtaining a trucking company insurance policy. An important part of this type of insurance is the available liability coverage. This protection can be pivotal if there is an accident involving one of your rigs.

Having a robust policy that includes the appropriate amount of liability coverage can be helpful in several different scenarios. If your drivers are injured during an accident or the cargo being delivered is damaged, you will be able to rely on your insurance policy to help defray the associated costs.

Don’t wait until you experience a loss to find out more about how a trucking company policy can help to protect your business. With the right policy, you can rest assured that you will have the protection you need. Trucking companies make a lot of investments in their equipment, and it is crucial to protect those assets. 

Comprehensive protection that includes liability coverage can help ensure that your company is thriving now and well into the future. 

Do you want to learn more? Call us today

The team at Zot Insurance Agency can help trucking business owners in the Davie, FL area with all of their insurance needs. Give us a call today, and we can meet with you to better understand your commercial trucking insurance needs. We look forward to working with you!

Protect your drivers and your rigs with trucking insurance

Zot Insurance Agency in Davie, FL is here for the trucking companies in our state. We understand that running a trucking business can be more complex than most people think, and we’re here to help you protect all of your hard work. Give us a call, or stop by our office to learn more about the trucking insurance policies available in Florida.

Protect your company with a dedicated trucking insurance policy

There are a lot of parts that go into a successful trucking business. In addition to your drivers and rigs, you have the people on the ground who work behind the scenes to help keep everything running smoothly. When one aspect of your business isn’t running as it should, it can be just about impossible to succeed over the long haul. 

Making sure that all areas of your trucking company are protected is possible with the right trucking insurance policy. We all know what broken-down rigs can do to the bottom line, but what happens when your logistics equipment isn’t up and running? Having a comprehensive trucking policy in place can help you overcome business interruptions and various other cash flow-affecting events.

Taking control of your future can be as simple as getting the proper protection. Make sure that your company keeps growing now and in the future.

Do you own a Florida trucking company? Let us help you with all of your insurance needs

The entire team here at Zot Insurance Agency is dedicated to serving the insurance needs of the greater Davie, FL community. If you have questions about any type of commercial insurance, including trucking policies, give our office a call today. We look forward to hearing from you!

What commercial insurance is required in Florida?

Florida is a very popular state with business owners. While the taxes in the state make it very friendly, when it comes to hazards that can kill your business, Florida is no more immune than any other state. As a business owner, the best thing you can do for your business is to make sure that you have the mandated commercial insurance and all the insurance you need to be protected. At Zot Insurance Agency in Davie, FL, we will help you make sure you have the required commercial insurance and any other insurance that benefits your business. 

Two types of commercial insurance are required in Florida: 

  • Commercial auto insurance
  • Workers’ compensation

Any business with four or more employees or any construction company with one or more employees must carry workers’ compensation insurance. This provides workers with coverage for medical injuries as well as time that is lost from work. 

Florida is a no-fault state when it comes to auto insurance. Businesses are required to have the same amount of auto insurance for their business as they would for their auto insurance.

Just because the state doesn’t require you to carry commercial property and liability insurance doesn’t mean that it is a good idea for your business to be without them. 

Commercial property insurance works pretty much like home insurance. It combines building and content coverage. This way, even if you are a renter, it makes sense to cover what you need to do business from hazards. 

Commercial liability insurance helps to protect your business assets from legal action. It will help pay a judgment and the legal expenses that come with it. 

Zot Insurance Agency in Davie, FL is here to help with your commercial insurance needs.

Do Homeowner’s Policies Cover Plumbing Issues?

At the Zot Insurance Agency, serving Davie, FL, we have heard just about every question imaginable about insurance. One of the most frequent is if plumbing problems are covered by their homeowner’s policy. The answer really isn’t a straight-forward yes or no so we’ll go over various issues and how they generally are seen by adjusters.

Plumbing Issues Generally Covered

  • Pipes that burst suddenly without warning
  • Burst plumbing systems or appliances
  • Pipes that are frozen, but the home is heated and maintained

Plumbing Issues Sometimes Covered

  • Improperly installed plumbing that malfunctions
  • Plumbing leaks or mold that is in the walls or floors
  • Old pipes or corroded pipes that burst

Plumbing Issues Hardly Ever Covered

  • Galvanized steel or polybutylene pipes that are outdated and obsolete
  • Sewer line backup or sump pump backup
  • Pipes that freeze in a home that isn’t heated or maintained
  • Preventable mold growth or pipe leaks

A rule of thumb is that things that happen suddenly are usually covered more than things that have taken time to malfunction.

Keep in mind also that if you have $6000 in damages but a $1000 deductible, you’ll have $5000 to use to help whereas a $1200 plumbing bill on a $1000 deductible may not be worth the possible increase in your premiums. Talk with an insurance professional to make sure that you are not only properly covered, but have the right deductibles for your situation.

If you’re in the Davie, FL area, we at the Zot Insurance Agency are here to help answer your questions and make sure that your policies are exactly what you need for your unique situation. Call or come by the office to speak with us.

Trucking Insurance 101

If you don’t mind long days on the road, trucking is a fantastic profession that’s vital to the economy. Here at Zot Insurance Agency in Davie, FL, we spend a lot of time connecting truckers with insurance that meets their needs, so here’s our quick trucking insurance 101.

What Kind of Insurance Does a Trucker Need?

Because truckers have a particular combination of business and auto coverage needs, their usual coverage is grouped together under commercial trucking insurance. With this coverage, the policy will typically cover damage done to or caused by your truck, the trailer, the cargo. This tends to include the medical bills for anyone injured by you. Every policy is different, so make sure to check the coverage and compare your options.

Travel Distance Matters

Driving further puts your truck and cargo at more risk. Trucking policies tend to have an operating radius where your coverage applies. Be clear with your agent about where you plan to operate and communicate any changes to avoid the brunt of full liability.

General Transport Versus Specialty Trucking

The type of cargo you haul has a large impact on the pricing of your insurance policy coverage. A trucker who takes a variety of jobs with no clear idea of the cargo will need general coverage. If your shipping is specialized to one product, you get a rate based on how volatile and valuable that cargo is. Hauling loads of cabbages doesn’t have the same risk involved as driving a car carrier trailer full of luxury vehicles.

Keep Your Eyes on the Road

There are enough distractions out there that your insurance coverage doesn’t need to add another one. Contact Zot Insurance Agency in Davie, FL for more information on how commercial trucking insurance works or to shop for a policy.

What to Expect if You’re Having Problems Getting Florida Auto Insurance

There are many reasons why you would be denied Florida auto insurance. You may have a poor driving record, too many claims, or have let your previous policy lapse in payments. These are the most common reasons.

If it happens to you, know you are not alone. You can still get auto insurance. At Zot Insurance Agency, we want every Davie, FL driver to get the insurance they need. We can help you find the solution that works.

Most Common Reasons To Be Declined for Florida Auto Insurance

The most common reasons for being declined for Florida auto insurance are:
• Poor insurance rating (non-payment, high claims)
• Your car is expensive or fast (insurance companies see claims on these cars and want to avoid this)
• Bad driving record (speeding tickets or other moving violations)
• A lot of car accidents
• One or more DUI on your record

When you have been denied auto insurance in Florida, you may not always be told why if you have filled out an online application. It doesn’t mean that you can’t get auto insurance. 

The best way to handle the problem is to talk to an insurance agent that can look at your insurance file and help you figure out the problem. From there you can consider your options.

What to Expect When You’ve Been Denied

The most common thing to expect when you have been denied auto insurance is a hike in your insurance rates. You will likely be considered a high-risk driver at that point and will see insurance rates in that range for approximately three years.

If you have a good driving and claims record for those three years, your rates will come back down again. That is the most common thing to expect when you are having problems getting car insurance.

If you can not get insurance because you have a DUI on your record, that is a separate kind of high-risk insurance. You will need SR22 or FR44 insurance, which most insurance companies can do for you.

Another option for you if you can not get insurance is to get added onto someone else’s car insurance as a secondary driver.

Get a Quote

These are just a few things to expect when you get denied for Florida car insurance. At Zot Insurance Agency, we want to work with all Davie, FL drivers to help them get the solutions they need. Call us for a quote today.

Trucking Insurance FAQ

Are you in the trucking business? Are you adequately insured? Contact the knowledgeable insurance agents at Zot Insurance Agency serving Davie, FL, with your query today.

What Does Trucking Insurance Cover?

Your trucking insurance should cover five main areas:

  • Your truck or trucks
  • Driver
  • Cargo
  • Passengers
  • Liability

Trucking insurance is often commercial and should be a tailor-made package that covers the appropriate areas above. Be willing and able to discuss these areas extensively with your insurer. They can assist you in providing different coverage options. These options are based on the information you provide, so be as accurate as possible. Review regularly.

What Are the Florida Insurance Requirements?

Most state insurance requirements revolve around liability, and FL is no exception. Any driver on FL roads and highways are required to have mandatory liability insurance, including truckers. However, their liability insurance requirements are much higher, depending on the category of cargo they are carrying.

Interstate truckers must register with the Federal Motor Carrier Safety Administration (FMCSA), and they have their insurance requirements before they issue operating authority.

When discussing your liability cover, consider.

  • Property damage liability
  • Personal injury liability

What Else Should I Think About When It Comes to Trucking Insurance?

The trucking business is sensitive to time delays and costs, and it is essential to consider all the aspects involved when it comes to trucker insurance. Hope for the best, but plan for the worst.

Crashes, breakdowns, and lost cargo are regular occurrences when it comes to trucking, and these affect your bottom line. Having the appropriate insurance in place helps to negate this, and you should therefore consider your trucking insurance as an asset.

Speak to Us Today!

Call Zot Insurance Agency serving Davie, FL, today and make sure you have peace of mind when your trucks are out on the road!

Commercial Truck Insurance: A Guide to Getting the Right Coverage

Commercial truck insurance is a tailored policy suitable for trucking risks. This insurance protects drivers and trucks on the road for owners of truck businesses and independent truck drivers, thus safeguarding your business. Zot Insurance Agency provides truck owners in Davie, FL, with the best coverage options for commercial truck insurance.

What You Need to Know About Commercial Insurance For Your Truck

Truckers have unique needs, which are accounted for in commercial truck insurance policies. If you want to be safe and keep your truck on the road, get your truck insured. The trucking policies start with primary liability and build on that foundation for additional policies, including general liability.

Commercial truck insurance is mandatory in most states. The Federal Motor Carrier Safety Administration requires truckers to show proof of insurance on the road to perform commercial activities. There are many risks involved with heavy cargo transport, and proper insurance helps shield you from monetary losses in these cargo damage cases due to road fatalities.

Buying The Right Commercial Truck Insurance

Commercial truck insurance is a big and key investment for anyone with a truck business. Before purchasing this policy, it’s important to understand what they entail to know the level of coverage offered. You can get multiple quotes from agents specializing in truck insurance to determine what best suits your business needs.

Determine the type of commercial insurance that best protects your assets in cases of negligence claims and malpractices. Choosing a reputable insurance company with enough experience and reserves is important to cater to insurance claims.

What Is Covered In Commercial Truck Insurance?

Truck businesses have unique safety needs. Commercial truck insurance policies cover general liability, workers’ compensation, and commercial umbrella insurance for truckers.

If you want to cover all fleet damages and protect yourself against losses occurring on the roads, get commercial truck insurance from Zot Insurance Agency serving Davie, FL. Contact us to protect your truck business against unforeseeable losses.

Is Home Insurance Required in Florida?

You have made huge of your money as well as your time and passion into the home you chose to purchase so you will want to protect it properly. The home insurance agents at the Zot Insurance Agency in the Davie, FL area stress the importance of having home insurance in place.

While home insurance is not required in the state of Florida, you will more than likely be in violation of your mortgage contract with the lender that you borrowed the money from to purchase your home if you do not have the proper amount of home insurance coverage in place. Your lender can actually create a policy for your home if you do not have home insurance and tack the premiums onto your mortgage payment and more than likely that policy will be a lot more expensive than if you obtain home insurance on your own.

Even if you do not owe money on your home or paid cash to purchase it, having a good home insurance policy in place is still a great idea. Home insurance will cover not only your house and outbuildings on the property, such as a garage or shed, but it will also cover your personal possessions, appliances, computer equipment, and anything else you have inside the home.

We never know what the future holds and a home insurance policy will protect your house from theft, vandalism, natural disasters, and a fire. Most home insurance policies do not automatically cover flooding or earthquakes, but you can get additional coverage added to your home insurance policy that will cover those types of incidents that can occur.

To decide upon the proper home insurance coverage options to be included in your policy, you should consult with a trusted insurance agent. The home insurance agents at the Zot Insurance Agency in Davie, FL are ready to assist you in creating the best home insurance policy for your situation. Call for an appointment today!