Basics of Trucking Insurance

As a commercial enterprise, trucking presents special insurance needs. That is why they deserve unique attention from knowledgeable agents. A trucking policy not only has to cover the truck, but it also has to protect the driver and the contents of the truck. These variables need to be addressed in any policy. As the value of the truck’s contents will vary as will the risks facing the driver in certain conditions and areas, it is important that you work with agents that understand these unique needs. The agents at Zot Insurance Agency work for truckers in the Davie, FL area, and several surrounding states. They are well versed in the coverage needs specific to the trucking industry. 

As every trucker is different, there is a variety of policy options available. Some of the considerations include whether you are an owner-operator and drive for a company. Do you have someone who shares the driving with you? They will also need insurance coverage. Does your family come on the road? If so, there may be an additional need for medical coverage while you are away from home. They can also discuss the options that are available to companies with fleets of trucks on the road or who, as part of their business operations, lease trucks.

Truckers find themselves in many different environments with a wide variety of loads. This means that as an owner-operator or a fleet owner, you will need a policy that addresses the risks that you face daily. The team at Zot Insurance Agency specializes in trucking insurance policies. They not only understand the unique needs of their clients in the Davie, FL area, but they also strive to serve the broader needs of truckers and trucking companies throughout the region. Visit our website then call or come by. Get the coverage you need today whether you live in or outside of Florida!

Commercial Liability Insurance for Independent Contractors: What You Need to Know

The gig economy is changing the way we earn money. Anyone with a skill and a bit of self-motivation can make a living doing a variety of tasks on their own schedule. The Zot Insurance Agency wants to help you make the most of your freelance career in the Davie, FL area. Commercial liability insurance is an important part of that.

How can these policies protect independent contractors in the gig economy?

  • As an independent contractor, you are solely responsible for the results of your actions. If one of your direct-sales products makes someone sick, you could be held liable for medical payments and restitution. Your commercial general liability policy would help you pay for legal defense and defray the impact of any court-ordered costs.
  • If you cause an injury or accident while doing work for another business, your client could be held liable for your actions. This could mean bad news for the future of your business. An active liability policy protects your client as well. In some industries, potential clients are more willing to hire contractors with liability coverage, since they know they’re covered too.
  • Many gig workers engage in multiple money-making activities to make ends meet. Whether you’re stocking shelves for a major brand distributor or crafting handmade jewelry in your garage, your liability coverage will protect you. You won’t need a different policy for each of your roles. However, you may need additional coverage if you drive professionally. 

The experts at the Zot Insurance Agency helps gig workers in the Davie, FL area safeguard the assets they work so hard to build. Let our agents assess your insurance needs and personalize a general liability policy for you. Contact us today to get started whether you live in Florida, Georgia, South Carolina, North Carolina, Tennessee, Alabama, or Texas.

Protect Your Home With These Insurance Add Ons

Protecting your home does not come in a one size fits all approach. There are many different variables in regards to your home. This not only includes the kind of home you have but who you have living in it. You may want to protect certain areas of the house further if you have kids playing by windows or if you live in an area that experiences a high level of flooding. Regardless of where you live in and around Davie, FL, Zot Insurance Agency is here to help you with your insurance needs. 

Flood Insurance

Whenever you live in Florida, it’s always highly recommended to invest in flood insurance. You never know when the next major storm might hit, so having the peace of mind knowing your home is protected will help prevent you from paying for flooding repairs out of pocket. 

Home Business

Do you run a home business? Perhaps you’ve been cultivating a side job at home, and it’s starting to grow. Whether you’re printing t-shirts in the garage or offer marketing services, when you have a home business it’s important to protect it. If your business valuables are stolen or damaged in a storm, it may not be covered by your current policy. Replacing these items can set your business back months, if not years, which is why you need to consider home business insurance. 

Extra Coverage for Home Valuables

Did you invest in a valuable work of art or jewelry? If so you’ll want extra coverage for these investments. 

Zot Insurance Agency understands the many different needs of a homeowner. With so many variables it is important to find an insurance policy that meets the specific needs of a homeowner. For residents who live in and around Davie, FL, now is the time to give Zot Insurance Agency a call. Feel free to reach out to us if you also live in Georgia, South Carolina, North Carolina, Tennessee, Alabama, or Texas.

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.