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Melbourne, Fla.—Here we go again, here comes the holiday season and a surge of coronavirus is generating panic buying among consumers across the U.S. Hopefully our entire supply chain system has learned the lessons from the past and this time high demand items like paper towel, disinfecting wipes, baking mixes and wine will not fall short, at least not for long.

According to NBC, Kroger, Publix, and H-E-B have all limited purchases of staples like toilet paper, cleaning supplies, and paper towels to ensure more people get what they need. But chains are also looking ahead to see which products might be affected by the supply chain and increased demand, with breakfast foods and Thanksgiving sides topping the list.

While in March and April there was hoarding of inexpensive pantry items such as dried beans, flour, yeast, pasta and rice, the prediction is that retailers might see shortages of more upscale indulgences and ready-to-eat foods. Also, in that previous experience, grocery chains were too slow to place limits on high-demand products early on, and are trying to prevent hoarding so there isn’t another round of shortages. Retailers and manufacturers are less panicked about widespread shortages now that they’ve spent months simplifying their supply chains, adding more resources, shelves and workers to fulfillment centers, while also taking additional measures to counter panic-buying.


An important fact is that agricultural sectors report strong supply— much of the food that had been slated for food service before the pandemic has been repackaged or resized for retail consumers. Despite significant disruption due to covid outbreaks in meat-processing facilities, total red meat and poultry production has been increasing and, according to the U.S. Department of Agriculture, is expected to continue to increase for the remainder of 2020 and for 2021.

Drugs shortages, however, remain an ongoing public health concern in the U.S. With increases in new shortages, patient care and pharmacy operations are severely impacted by COVID-19 according to a November 2020 Council on Science and Public Health report from the American Medical Association Special Meeting.


Whether your company drives across the Florida’s Space Coast or serve the whole State, the right type of commercial truck and cargo insurance are crucial for protecting your assets.



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.


If your company operates one or more trucks, here are the types of business auto insurance you need to carry:


Auto Liability

Physical Damage Liability

Motor Cargo Insurance

General Liability

Trailer Interchange (if needed)

Federal Fillings (if needed)

Inter modal (if needed)


Give us a call for a FREE consultation (321) 329-5556, at Melbourne Truck Insurance will be more than happy to serve you.


HECTOR PEREZ PRODUCER Hector is a licensed insurance agent with vast experience as a Transportation Specialist. Bilingual: English | Spanish

Melbourne, Fla.— With the arrival of the winter, many truck drivers start experiencing harsh conditions on the road while crossing through states with lower temperatures, snow, ice and many other hazards.



The following are some tips that can help you stay away from trouble during the risks of this season:


  1. Check weather forecasts and possible construction areas along your route before planning your trip.

  2. Chart your fuel and meal stop locations.

  3. Make sure to allow extra time for any traffic delays.

  4. Do an inspection to verify the conditions of tires, wiper blades, fluids, and lights. This must be done both, visual and hands-on.

  5. Drivers need to monitor the shipper’s loading procedures since weight distributions is key to their safety under hazardous.

  6. Speed limit is set by law and what the conditions allow. Slowing down and making gentle movements can compensate for poor traction. Never tailgate, and make sure to double or triple your following distance.

  7. Black ice is always your enemy. Keep an eye out under bridges and overpasses, and in shady spots and intersections where it’s likely to form.

  8. In the chance, you begin to skid, take your foot off the gas and shift to neutral quickly, then steer in the direction you want your car to go. Before the rear wheels stop skidding, shift to drive and gently press the accelerator. Do not slam on the brakes.

Florida owners and operators of commercial trucks can't get by with a standard commercial auto insurance policy. In addition to protecting the cargo that they carry, truckers must consider the massive physical damage that can be caused by their trucks, the potential environmental issues an accident could cause, and the expensive cost to repair their large vehicles.

Liability Insurance

For bodily injury and property damage liability exposure, one should consider an auto liability insurance policy. This policy will protect truckers, covering many different types of harm that they can unintentionally inflict on others and their property. This includes accidental damage to a retailer’s delivery dock, to other drivers, vehicles, and pedestrians.

Cargo Insurance

Your clients rely on you to safely deliver their cargo in the same condition it was in when they turned it over to you. With cargo insurance you can reimburse a client for qualifying damages made to their cargo during transport—and all without tapping into your business bank account except to pay the deductible.

Bobtail Insurance

When your truck is without cargo, it still needs protection. Bobtail insurance covers your truck even when it is not operational.

Physical Damage Insurance

If your truck is in an accident or collision, you need the right commercial insurance policy protecting your financial interests. Collision insurance and comprehensive insurance can cover various accidents and damages caused by theft, vandalism and fire.

Environmental Liability Insurance

If your truck carries cargo that can be environmentally toxic or could contribute to pollution, you need special insurance to help pay for the cost of the cleanup if it should be spilled in an accident. Environmental liability insurance will cover this expense, as long as it occurs in a qualifying situation. 


Contact one of our local commercial/truck insurance specialists 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 will be more than happy to serve you.



Oscar Pacheco - Licensed Agent

Email Oscar





Melbourne, Fla.—This year 2020 was one with a big threat coming from a very active Hurricane Season. It has featured tropical cyclone formation at a record-breaking rate. So far, there have been a total of 27 tropical or subtropical cyclones, 26 named storms, 9 hurricanes, and 3 major hurricanes.


Although is has brought very sad news to the U.S. Gulf Coast, heavily affecting mostly the states of Louisiana, and southern Texas— somehow it looks like Florida’s east coast has been able to dodge the bullet on every nearby cyclonic formation. This article is being written before the end of Hurricane Season, and does not imply we are out of the woods yet, but cooler temperatures as we all know will improve our chances to walk away this year with no harm. Having said that, we have had to deal with a public health emergency for a prolonged period, and we all know this can be considered a big break from so much accumulated stress and challenges throughout the entire year.

Just in case, it is important to always be aware of proper commercial insurance options available for consideration because it’s always better to be prepared. As a truck company owner, your business may have to be ready to run, especially during difficult times and emergencies to supply and distribute items in need.

The following are a couple of insurance options you must discuss with your agent when purchasing a new policy or renewal.

Flood Insurance

  • Hurricane-generated storm surge, typically is not covered under a standard commercial policy, including a Commercial Package Policy (CPP) or a Business Owners Policy (BOP). Flood insurance is available from the federal government’s National Flood Insurance Program (NFIP). Flood insurance covers damage to your building and contents caused by flood. This includes losses resulting from water overflowing rivers or streams, heavy or prolonged rain, storm surge, blocked storm drainage systems, broken dams or levees, or other similar causes. To be considered a flood, waters must cover at least two acres or affect two properties. Generally if water comes from above—for instance from rain overflowing gutters and leaking onto your inventory—you’ll be covered by your standard commercial property insurance.


Business Interruption

Business income (interruption) coverage also known as business income coverage (BI), can help with operating expenses during the period of restoration, and includes:

  • Lost net income (based on financial records)

  • Mortgage, rent and lease payments

  • Loan payments

  • Taxes

  • Employee payroll


Your business owner’s policy (BOP) may combine property, liability and business income (interruption) coverages for a small–to-midsize business. Coverage purchased as a package is generally less expensive than if purchased through separate insurance policies and can help ensure proper underlying limits are in place.


Contact one of our local commercial/truck insurance specialists 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.

Give us a call for a FREE consultation (321) 329-5556, at Melbourne Truck Insurance will be more than happy to walk you through all of your options.




HECTOR PEREZ

PRODUCER

Hector is a licensed insurance agent with vast experience as a Transportation Specialist.

Bilingual:

English | Spanish

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