• armbrandmedia

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


English | Spanish

Updated: Oct 6

Melbourne, Fla.—Have you watched the amazing series AWAY on Netflix yet? There is so much excitement going on around the Perseverance rover, which had a successful launch on July 30th of this year 2020 on an Atlas V rocket from Cape Canaveral Air Force Station.

Percy’s (Perseverance’s nickname) main mission: To find out if life was ever on the Red Planet.  It not only seeks signs of habitable conditions on Mars in the ancient past, but also will search for signs of past microbial life.

Percy will be the first rover to make a complete round trip mission to Mars. It is also the first rover specifically designed to collect retrievable samples. It is now on its way to seek signs of ancient life and collect rock and soil samples for possible return to Earth. Along with the rover is the Ingenuity helicopter, a technology demonstration that will be the first powered flight on Mars.The rover will arrive on the Red Planet on Feb. 18, 2021.

So far, manned missions to Mars could be possible by the 2030s, according to a group of scientists, and Percy will be able to explore the planet to find signs of life. Its 95 percent carbon dioxide atmosphere, temperatures ranging from 70 degrees Fahrenheit in the day to -80 degrees Fahrenheit at the night, abrasive dust, and extremely high levels of radiation does not make it a desirable tourist destination.

For all of us Floridians, these are amazing developments that were are being able to watch first hand, many from their very own backyards in Brevard County.

Not only that, the space exploration program and these missions are bringing a lot of livelihood to our commerce and businesses in our neck of the woods. At Melbourne Truck Insurance we are happy to see businesses thrive in the area, and even happier to be able to provide insurance solutions that will keep them well secured, and protected at the right price. Trucking and transportation are an essential part to businesses and contractors in the Space Coast.

A Commercial Vehicle Insurance policy is designed to protect your business from costly liability lawsuits, property damage, and loss of business due to lack of transportation after an accident.

A typical coverage includes

Bodily Injury Liability - Coverage for damages that involve bodily injury to others for which you become responsible under law.

Property Damage Liability - Coverage for damage to property of others for which you become responsible under law.

Medical Payments - Coverage for reasonable and necessary medical expenses and funeral services for those who are accidentally injured while in your automobile or while getting into or out of your automobile.

Personal Injury Protection - Coverage for medical, hospital, rehabilitation, loss of wages or loss of services costs resulting from injury to you or any resident family member. In case of death to the insured or a resident family member, death benefits and survivor benefits, if applicable, will be provided.

Additional coverage you may want to consider

Comprehensive - Protection for the loss of or damage to your vehicle and its equipment from all causes except collision, subject to the deductible on the policy.

Collision - Protection for the collision damage to your automobile and its equipment, subject to the deductible on the policy.

Uninsured Motorist - Coverage allows you to recover bodily injury damages due to an accident where the other party does not have insurance, and is found legally liable.

Underinsured Motorist - Coverage allows you to recover bodily injury damages due to an accident where the other party is found legally liable and does not have adequate liability limits.

Additional Expense - Coverage for necessary additional expenses incurred as a result of a loss for which you are protected under comprehensive or collision coverage. These expenses include rental cars, food, lodging and other incidental expenses.

Hired Auto Liability Coverage - Covers liability for automobiles hired under contract on behalf of or loaned to the named insured.

Hired Auto Physical Damage - Coverage for an automobile of any type, hired, borrowed or leased on a short term basis for use in the insured's business.

Employer's Non-Ownership Liability - Coverage for a private-passenger automobile used in the business of the named insured by any person, or the occasional and infrequent use of a commercial automobile in the business by any of your employees.

We are pleased to provide services to government, and private companies who support the Space Coast’s role as a hub for technology, aviation and aerospace for the nation, is of utmost importance. Melbourne Truck Insurance has come to fulfill an impending demand in comercial, and transportation insurance solutions for different types of businesses in all categories. Give us a call for a FREE consultation at (321) 329-5556 and one of our local truck insurance specialists at Melbourne Truck Insurance will be more than happy to walk you through all of your options.

Oscar Pacheco - Licensed Agent

Email Oscar

  • armbrandmedia

Melbourne, Fla.—As the trend continues, throughout the next decade, the industry will have to train and hire 1.1 million new drivers in order to replace older and retiring workers. Should there be no immediate market corrections in the meantime, the shortage may grow to as many as 160,000 empty positions as early as 2028. The American Trucking Association claim that the turnover rate could be as high as 83 percent in some sectors of the industry.

The trucking industry generated $791.7 billion in revenue in 2019, moving 11.84 billion tons of freight, according to the latest edition of American Trucking Associations’ annual data compendium – ATA American Trucking Trends 2020.

It is interesting to know why it is still hard to find enough people for this type of job with excellent pay. Most truck drivers now earn from $42,000 to $100,000, and many trucking companies are desperately seeking drivers and paying signing bonuses and pay raises.

Litigation plays an important role, because given the number of injury attorneys that have run nationwide campaigns, especially here in Florida, have created a negative environment for truck drivers who will be blamed in cases of accidents.

As part of a growing debate, economists are now saying that the current shortage of truck drivers has been seriously misunderstood by the media, and have instead elected to focus on the fact that more trucking companies exist than could ever possibly receive freight shipments from established firms.

On the good side, it is said that market adjustments may correct the driver shortage. It is so, because the cash flow problems that have been a major issue for small truck companies, may have lead to closures, Florida’s Space Coast included—the current job market allows displaced drivers to take one of countless available positions, and it is likely that the trucking industry will stabilize as drivers continue to retire and older trucks replaced with any of the current models. For example, a greater percentage of freight moves by van, shipped to fulfill individual online customer orders by local delivery services. In other words, drivers who are no longer employed by any trucking service could transfer to one of these services and begin a new career in a growing industry.

Insurance wise— If your company operates one or more 18 wheeler trucks, at Melbourne Truck Insurance we can provide you with affordable truck drivers/operator coverage for most commercial truck and tractor trailer combinations. As a recognized leader in the local trucking insurance industry, our parent company  Garzor Insurance specialized in serving “niche” or undeserved markets. Our proven, superior underwriting model creates the necessary flexibility to write unique coverage’s in a wide array of diverse industries, all present here in Florida’s Space Coast.

From small delivery vans to tractor-trailers, we offer coverage for a wide variety of business vehicles, including:

box trucks, semi-trucks, flatbed trucks, garbage trucks, pickup trucks, tank trucks, tractors, dump trucks , refrigerator and utility trucks, tow trucks, haulers and wreckers, car carriers, food trucks, catering trucks, lunch box trucks, shuttle vans, passengers van, taxi or limousines, non–emergency medical transportation and more.

Give us a call for a FREE consultation at (321) 329-5556 and one of our local truck insurance specialists at Melbourne Truck Insurance will be more than happy to walk you through all of your options.



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


English | Spanish


Monday - Friday 

8:30 am to 6: pm

Fill out this form

© 2020 Melbourne Truck Insurance   >>>     Call us: (321)  329-5556