Melbourne, Fla.— A Business Owners Policy (BOP)

could be considered the first step, since it’s the most cost effective and efficient way to provide property and liability insurance for small manufacturing operations. But there are also many other variables that might drive you consider broader options for a more comprehensive coverage.

Property Coverage

This type of coverage takes care of any real estate your business owns. The policy also covers the rest of your business’ property—equipment, machinery, raw materials, inventory, and others.

General Liability for Florida Businesses

If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.

It is no secret that Florida business owners are at high risk of getting sued. A General Liability insurance can prevent a legal suit from turning into a financial disaster if your business is ever sued or held legally responsible for some injury or damage. General Liability coverage pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.

There is a broad range of General Liability protection—

  • Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury.

  • Property Damage coverage for the physical damage to property of others or the loss of use of that property.

  • Products-Completed Operations provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or service your company provided.

  • Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents.

  • Contractual Liability extends to any liability you may assume by entering into a variety of contracts.

Additional types of coverage are also available, ask one of our local commercial insurance specialists at Melbourne Truck Insurance.

Business Vehicle Insurance

What does commercial auto insurance cover, and why is it important? As a Florida Space Coast business owner, you need similar insurance coverage for the company cars, trucks, vans or other vehicles you use in your business as you do for vehicles used for personal travel. A commercial auto insurance policy is required under most circumstances when a vehicle is used for business purposes and meets certain other requirements. It is not just registration that determines the requirement for a business automobile insurance policy. Other factors include ownership by a corporation, use in hauling goods for hire and gross weight of the vehicle. Some small trucks can be owned and insured under a personal automobile insurance policy under specific circumstances.

Typical classes of Commercial Auto Insurance include contractors, manufacturers, retailers, distributors, and wholesalers among others.

The category of commercial trucks involves several types of large vehicles, including:

Big Rig (tractor-trailers or 18-wheeler)

Dump Truck

Garbage trucks

Auto Haulers and Car Trailers

Tow trucks

Flatbed trucks

Tank trucks

Box trucks

Pick up Trucks

Delivery Vans

Workers Compensation

Florida Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. It eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer. This type of coverage is designed to help companies pay these benefits. Although it is not healthcare insurance, the workers compensation policy is designed specifically for injuries sustained on the job.

In Florida, if you have employees, you are required to carry Workers Compensation coverage.

We understand that managing your budget is a key concern, the good news is that you don't have to give up quality to get the right coverage, at Melbourne Truck Insurance we can help you evaluate options, limits, and deductibles and provide your with quotes from several carriers so you can stay in the driver’s seat when it comes to your coverage, and own the process.

If you own —or may be considering to start a business in Florida's Space Coast, Melbourne Truck Insurance  offers you insurance options that grow with your business. Compare the offerings from different insurance carriers, and save. Contact us for an initial consultation (321) 329-5556. (321)329-5556

#truckinsurance #melbourneflorida


  • armbrandmedia

Updated: May 1, 2020

The possibilities are endless for companies in Florida's Space Coast

Since the first U.S. moon landing in 1969, we have been fascinated with the mystery of space. The aerospace industry is enjoying a renaissance, thanks to private firms in Florida and its recognition as the next high-tech utopia.

The Space Coast area has made a list of the 10 best-performing cities in the U.S., News 6 partner Florida Today reports. Diversifying the economy and deepening the local talent pool would make the area less prone to recessions, the report states. “The Space Coast jumped 47 spots from its 2018 ranking. This year, it ranked fifth for job growth over the past 12 months.” reports Florida Today.

The Milken Institute, a nonpartisan economic think tank, uses an index to grade communities on measures that include job growth, wage growth and growth of high-tech industries within metropolitan areas. The Space Coast shares 2020's top 10 list for big cities with major metros like San Francisco, Seattle and Austin, Texas.

Some of the business categories dominating the area now include:

  • Aviation & Aerospace

  • Live Sciences

  • Manufacturing

  • Defense & Homeland Security

  • Information and Technology

  • Financial & Professional Services

  • Logistics & Distribution

  • Cleantech

  • Headquarters

Melbourne Truck Insurance has come to fulfill an impending demand in comercial, and transportation insurance solutions for different types of businesses in all categories.

Customer service driven, our local staff is prepared to provide you a with myriad of options available in this market and help you make wise decisions in terms of getting your business well covered and protected -- ready to face the unexpected.

On a recent statement from the Governor's Office, regarding the reopening of the state after the COVID-19 health crisis, the governor made emphasis in local leadership knowledge, and its advantages.

"Florida is a very large and diverse state, and a one-size-fits-all approach is not what Florida needs. By providing local leaders the authority to make key decisions, Governor DeSantis is empowering them to do what is best for their communities"

-Governor's Press Office

Discover a full-service provider of commercial insurance products, and services for trucking and commercial auto insurance. We invite you to review our programs: Truck, Public Transportation, and Commercial Specialty Auto.


Melbourne Truck Insurance has the products and underwriting experience that meet the insurance needs of your business. We proudly serve two primary markets in Brevard County

  • Palm Bay

  • West Melbourne

All agents in our local offices, located at 1460 Baytree Dr, Suite D in Palm Bay, Florida are standing-by, waiting to listen to your company's risks concerns and will provide their expertise in multiple business areas, including technology, education, aerospace, security, supply chain logistics and delivery, and many others. If you own —or may be considering to start a business in Florida's Space Coast, Melbourne Truck Insurance  offers you insurance options that grow with your business. Compare the offerings from different insurance carriers, and save. Contact us for an initial consultation (321) 329-5556. (321)329-5556

#truckinsurance #florida #spacecoast


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