Amazing expirience! The agent is very professional and friendly. Definitely recommend!!
About Covered by Guzman
Last updated September 2, 2026
Call or text 813-302-7151
Raymundo Guzman
Independent Insurance Agent
License #W512374 | NPN #18906048
P: 813-302-7151
Index
Contact Us
Phone
813-302-7151
813-302-7151
Service Area
We serve clients across Florida and work with multiple insurance carriers to help individuals, families, and business owners compare coverage options that fit their state and industry requirements.
We serve clients across Florida and work with multiple insurance carriers to help individuals, families, and business owners compare coverage options that fit their state and industry requirements.
7 months ago
Excellent service and very professional staff. They made the process easy, answered all my questions, and helped me find the right coverage. Highly recommended!
3 months ago
I’ve worked with Ray for years and he’s always reliable and has been able to help my clients in need! I can always count on him to provide the best insurance advice and service
7 months ago
Great service, and always looking out for my commercial insurance. Thank you Ray
3 months ago
Great insurance agent to work with. Ray is the best!
3 months ago
Reviews reflect individual customer opinions and experiences. They do not guarantee specific coverage, pricing, service timing, or claim outcomes.
Covered by Guzman is an independent insurance agency based in Wesley Chapel, Florida, working with business owners across Tampa Bay, Central Florida, and the rest of the state on the commercial insurance their operation needs: commercial auto, general liability, workers’ compensation, property, tools and equipment, and the related coverages that come with running a business.
We are a local agency. When you call or text 813-302-7151 you reach someone who knows Florida commercial insurance and can walk you through what each policy does and does not cover, in plain language, without steering you toward something you do not need.
A captive agent works for one insurance company and can offer that company’s products at that company’s rates. An independent agent compares what is actually available across the carriers they have access to. The practical difference shows up when a business is not a perfect risk, which is most of them.
A recent claim, a younger driver on the roster, a lapse in coverage, a new venture with no prior insurance, or a higher-hazard trade can make one carrier decline and another quote normally. Access to more than one carrier is the main reason to work with an independent agency, and it matters again at renewal when markets shift and the carrier that was competitive two years ago no longer is.
Most of our clients are owner-operators, small crews, and growing local companies rather than large corporations. We know the contract demands that are common in this part of Florida, which customers ask for additional-insured status as a matter of routine, and how quickly a certificate needs to move to keep a job on schedule.
If you run a business anywhere in Florida, we can very likely help. And if we are not the right fit for your operation, we will tell you that too.
Who we are
Covered by Guzman was started to give business owners a straight answer about what their insurance does. Too many commercial policies get sold on price alone, and the gaps only surface at claim time, or at audit time, when it is far too late to fix them.
We work through the details up front. What the business does, who performs the work, which vehicles are used, what tools and property are involved, and what your contracts obligate you to carry. Those answers drive nearly every part of a commercial auto, general liability, or workers’ compensation quote, and a wrong answer can leave a policy that does not respond when you need it.
We are licensed in Florida and serve eligible businesses throughout the state, with local roots in Zephyrhills and Wesley Chapel and most of our clients across Pasco, Hillsborough, and Polk counties.
What we do
We help Florida business owners review and coordinate the coverages a working business needs. Commercial auto is where we started and it is still our specialty, but a vehicle is usually only one part of the risk.
That means commercial auto for box trucks, cargo vans, work trucks, dump trucks, trailers, and small fleets; general liability for the work performed at customer locations and after the job is finished; workers’ compensation for crews and employees; commercial property and business owner’s policies; tools and equipment coverage; hired and non-owned auto; motor truck cargo; and commercial umbrella. The commercial insurance page explains how these fit together.
It also means the paperwork side that business owners actually deal with day to day: certificates of insurance, additional-insured requests, waivers of subrogation, loss-payee endorsements, payroll audits, and the contract language customers hand you before a job starts.
Eligible business owners can also ask us to review homeowners and personal auto insurance, so one agency relationship covers both the business and the household. Those policies are quoted and underwritten separately.
We are happy to review an existing policy even if you are not ready to move.
Why business owners work with us
We are an independent agency, so we compare options from the carriers available to you rather than representing a single company. Our focus is contractors and service businesses, which means the questions we ask are the ones that actually change your rate and your eligibility.
We are local to Tampa Bay and know the contract demands common in this area. We treat certificates of insurance as urgent, because a delayed certificate can hold up a job, and we tell you what is realistic once we have reviewed the requirements. You can call, text, or submit a request anytime; we review the information and follow up promptly.
Most of all, we match coverage to how the business operates. When something is not worth buying, we will tell you.
How we work
The first conversation is usually short. We ask what the business does, who does the work, what you drive, and what your contracts require. From there we can tell you roughly where you will land and what is likely to move the number.
Then we compare what is available and come back with options rather than a single take-it-or-leave-it quote. You see what each one covers, where the limits and deductibles sit, and what the tradeoffs are between them. Placement, pricing, and timing remain subject to carrier underwriting.
Our work continues after the policy is bound. Certificates, driver and employee changes, vehicle and equipment additions, payroll audits, and renewal reviews are all part of the service, and they are handled by the same person you spoke to originally.
What we insure
The easiest place to start is the coverage you were asked for, the vehicle you run, or the trade you are in. All three lead to the same conversation.
On the coverage side we help with Commercial Auto, General Liability, Workers’ Compensation, commercial property and business owner’s policies, tools and equipment, Hired and Non-Owned Auto, motor truck cargo, and commercial umbrella, plus homeowners and personal auto for eligible business owners.
On the vehicle side we write Box Truck, Cargo Van, Pickup Truck, Dump Truck, Food Truck, Flatbed Truck, Tow Truck and Service and Utility Truck. On the trade side we work with landscapers, general contractors, courier and delivery services, cleaning companies, pest control operators, painters, HVAC contractors, gutter installers, fence installers, electricians, concrete contractors, tree services, roofers, pool services and plumbers, and many others besides.
You can browse everything on our commercial insurance, commercial vehicles, and industries we serve pages. If what you run is not listed, call 813-302-7151 and we will tell you honestly whether we can place it.
The independent agent advantage
A captive agent works for one insurance company and can only offer that company’s product. As an independent agency affiliated with Mesa Insurance Agency, we compare what is available across the carriers Mesa has access to, for auto, liability, workers’ compensation, and property alike.
The practical difference shows up when a business is not a perfect risk. A recent claim, a young driver, a lapse in coverage, a new venture, or a higher-hazard trade such as roofing or tree work can make one carrier decline and another quote normally.
It also matters at renewal. Markets shift, appetites change, and the carrier that was competitive two years ago may not be today. We re-check the market at each renewal.
Certificates and ongoing service
Most business owners need certificates of insurance far more often than they expect, and usually with very little notice.
A property manager wants proof of general liability before crews come on site. A general contractor wants to be named as additional insured and wants to see workers’ compensation for your crew. A lender wants to appear as loss payee on the truck. Each of these is routine, but each one can hold up work if it is not handled quickly.
We treat certificate requests as urgent because for you they usually are. A certificate can only reflect coverage that is actually in force, and requested endorsements must be supported by the policy and carrier, so send the complete requirements as early as you can and we will tell you what is realistic.
Our service commitment
We answer the phone. We explain coverage in language that makes sense without an insurance background. We tell you when something is not worth buying, even when selling it would be easier.
We also try to be realistic about price. Commercial insurance in Florida is not cheap, and no agent can change the market. What we can do is make sure you are not paying for coverage that does nothing for your operation, and that you are not missing the coverage that would actually respond.
Getting a quote
Call or text 813-302-7151 or request a quote online. Either way the process is the same.
We will ask what the business does, about your vehicles and drivers, your employees and subcontractors, your payroll and revenue, and your prior coverage history. Having a copy of your current declarations pages helps, as does any contract language that specifies limits you are required to carry. From there we compare options and come back to you with what is available.
There is no charge for the conversation and no obligation attached to it.
About the Author
Raymundo Guzman
I’m Raymundo Guzman, an independent insurance agent and the owner of Covered by Guzman. I help business owners across Tampa Bay and central Florida find commercial auto, general liability, workers’ compensation, and related business coverage that matches how they actually operate, comparing options across the carriers available to me rather than selling one company’s product.
Independent Insurance Agent · License #W512374 | NPN #18906048 · 813-302-7151
Get a Quote
Are you an independent broker?
Yes. We compare options from available carriers rather than representing a single company.
What areas do you serve?
Businesses throughout Florida, with local roots in Zephyrhills, Wesley Chapel, Land O Lakes, Tampa, Lakeland and the surrounding Tampa Bay and Central Florida communities.
What types of businesses do you work with?
Contractors, landscapers, couriers, cleaners, pest control, pool service, HVAC, plumbers, electricians, and many other Florida service businesses, along with the business owners behind them.
How do I get a certificate of insurance?
Call, text, or email with the certificate holder’s details and the contract requirements. Once the policy is active and the requested wording is supported by the carrier, we issue it as quickly as the carrier allows.
What are your hours?
You can call, text, or submit a request anytime. Our team reviews the information and follows up promptly; carrier underwriting, binding, and certificates depend on actual availability.
How do I get started?
Call or text 813-302-7151 or request a quote online. Tell us which coverage you need, or choose “Not Sure” and we will sort it out together.
Licensed in Florida
Covered by Guzman is a trade name of J&C Agency LLC. Insurance services are provided by Raymundo Guzman, Florida License #W512374, NPN 18906048, affiliated with Mesa Insurance Agency, serving business owners throughout Florida with local roots in the Tampa Bay region and Central Florida.
Insurance requirements vary by coverage. Commercial auto requirements depend on vehicle weight, configuration, and use, and heavier vehicles or those crossing state lines can fall under federal filing requirements administered through the FMCSA. Florida workers’ compensation requirements depend on industry, employee count, and entity type and are published by the Florida Department of Financial Services. We help you organize which requirements may apply to your operation and direct you to official resources to confirm compliance before you buy. An insurance summary is not legal advice.
Contact Us
Phone / Text: 813-302-7151
Email: Rguzman@CoveredByGuzman.com
Availability: Call, text, or submit a request anytime; we follow up promptly
We are based in Wesley Chapel and serve business owners throughout Florida, with most of our clients across Pasco, Hillsborough, and Polk counties. If it is easier to talk in person, that can usually be arranged.
Industries we serve
The same set of commercial policies serves a wide range of Florida trades, though the details differ from one trade to the next.
We regularly work with landscapers, general contractors, courier and delivery services, cleaning companies, pest control operators, painters, HVAC contractors, gutter installers, fence installers, electricians, concrete contractors, tree services, roofers, pool services and plumbers. Many of these businesses run similar vehicles, carry similar crews and tools, and face similar contract demands, and several of our clients operate across more than one trade.
The full list is on our industries we serve page. If your trade is not shown, call and we will confirm where you fit.
Areas we serve
We are based in Wesley Chapel and help eligible businesses throughout Florida, with the deepest local experience across the Tampa Bay region and Central Florida.
Our primary service areas are Zephyrhills, Wesley Chapel, Land O Lakes, Tampa and Lakeland, along with the surrounding communities in Pasco, Hillsborough and Polk counties. If you work across more than one of these areas, or elsewhere in Florida, that is normal and it does not complicate the policy.
A full list is available on our service areas page.
Let's talk
Get coverage built around your business, your people, your vehicles, and how you actually operate.
Tell us about your vehicles, drivers and the work you do, and we will come back with real options. Call or text 813-302-7151.
