Amazing expirience! The agent is very professional and friendly. Definitely recommend!!
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813-302-7151
813-302-7151
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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.
Lutz is our next-door neighbor
Our agency is based in Wesley Chapel, which borders Lutz to the north, so we see Lutz trucks on the road every day. Landscapers, pool techs, contractors, mobile mechanics and cleaning crews all start their mornings on U.S. 41, Dale Mabry or I-275, and a lot of them work out of a home driveway.
We are an independent agency, so we quote your vehicles with several carriers and explain the differences in plain words before you choose. You deal with the same local agent from the first quote through every renewal.
Two counties, one town name
Lutz is unincorporated and sits mostly in Hillsborough County, but the Lutz ZIP codes reach north into Pasco County, an area locals call Pasco Lutz. Your mailing address may say Lutz while your truck is actually parked in Pasco every night.
Carriers rate by the ZIP code and county where each vehicle is garaged overnight, and rates can differ between the two counties. Give us the exact garaging address for each vehicle, not just the business mailing address. If a driver moves across the county line, tell us so the policy stays accurate.
Roads that shape your radius
U.S. 41 runs through the middle of Lutz, past the rebuilt Lutz Junction depot at Lutz-Lake Fern Road. I-275 runs along the east side, Dale Mabry marks the west, and I-75 touches the northeast corner. From here, a crew can reach Tampa, Pasco and Pinellas jobs in the same day.
Carriers ask how far your vehicles usually go and the farthest they go. A pool route that stays between Lutz and Land O’ Lakes is a different risk than a contractor who runs to Clearwater and Brandon every week. Give us honest numbers so the policy matches the work.
If more of your jobs are now north of the county line toward SR 54, update your radius at renewal. Carriers price the work you do today.
Lawn, pool and route work
Many Lutz businesses run routes: lawn crews, pool service, pest control and pressure washing. Route work means many stops, a lot of backing out of driveways, and a trailer or equipment on board. If you run a lawn crew, our landscaper insurance page covers the trailer and equipment questions in more detail.
Tell us how many stops you make and whether drivers use the same truck every day. It helps the carrier see a steady, well-run route instead of guessing, and a clear picture usually means fewer follow-up questions and a faster quote.
Pressure washing and pest control trucks often carry tanks and chemicals. Tell us what is in the tank and roughly how much, because some carriers ask extra questions about what rides on board.
Family drivers and home driveways
Plenty of small Lutz businesses are family businesses. A spouse runs parts, a teenager helps on weekends, and the work truck sits in the home driveway next to the family cars. Every regular driver should be listed, and the carrier may ask about others in the household who can get to the keys.
A young or newly licensed driver can raise the price a lot. We will show you how each driver affects the quote so you can decide who should drive the work truck. Leaving a driver off the policy can create a problem right when you need the policy most.
Certificates for customers and HOAs
Gated neighborhoods, property managers and commercial customers often want a certificate of insurance before you start. Some ask for a specific liability limit, additional insured status or waiver wording in the contract.
Send the request to us before you sign. We will confirm what your policy supports and send the certificate once coverage and any endorsements are in place. Our certificate guide explains the most common requests and what each one means.
Keep those requests in one folder. At renewal, we check that the new policy still meets what your customers asked for, so a certificate never goes out showing coverage you no longer have.
Trailers, equipment and employee cars
A few more items we check on every Lutz quote:
- Trailers: each trailer needs its own line on the policy, with VIN and value, if you want physical damage coverage on it.
- Equipment: mowers, pool equipment and tools inside the truck are generally not covered by commercial auto. Inland marine is the usual fix, and we can quote it at the same time.
- Employee cars: if employees ever use their own cars for work errands, ask about hired and non-owned auto coverage.
- Storm season: flood damage to a vehicle is usually a comprehensive coverage question, so check which vehicles carry it before summer.
Serving Lutz and nearby communities
We work with businesses on both sides of the county line in Lutz, and next door in Wesley Chapel, Land O’ Lakes, Odessa and Tampa.
To start a quote, send us the business name and what you do, each driver’s name, date of birth and license number, VINs for vehicles and trailers, the overnight address for each vehicle (including the county), your usual work area and any customer insurance requirements. The insurer decides eligibility and price after underwriting, and we will lay the quotes side by side for you. If you are missing a detail, send what you have and we will fill in the rest together.
What businesses in Hillsborough County pay for insurance
These ranges come from real quotes our agency has run for businesses across Hillsborough County, which includes Lutz. Prices are annual and include taxes and fees. Your price can land outside them, because vehicles, drivers, payroll and claims usually matter more than the ZIP code.
- General liability$300 to $6,000 / yearAbout $25 to $500 a month.
- Commercial auto, whole policy$1,000 to $42,000 / yearAbout $80 to $3,500 a month.
- Workers' compensation$600 to $6,500 / yearAbout $50 to $550 a month.
- Business owner's policy$400 to $16,000 / yearAbout $30 to $1,350 a month.
- Commercial property$700 to $8,000 / yearAbout $55 to $670 a month.
- Professional liability$200 to $2,500 / yearAbout $15 to $210 a month.
For ranges by coverage, vehicle and business type, see our Florida commercial insurance cost guide. For your real number, call or text 813-302-7151. Commercial property and business owner's policies in Florida usually carry a separate hurricane deductible that is not reflected in these prices.
My address says Lutz but I live in Pasco. Which county do you use?
We use the actual garaging address, the place the vehicle parks overnight. If that is in Pasco, the carrier rates it as Pasco even if your mail says Lutz. Getting it right up front avoids corrections later.
Is your agency close to Lutz?
Yes. We are based in Wesley Chapel, just north of Lutz, and know these roads well. Most quotes are handled by phone, text and email, so you do not have to leave the job site.
Does my lawn trailer need to be on the policy?
If you want the trailer itself protected against damage or theft, list it with its VIN and value. Liability while towing typically comes through the truck’s policy, but the details depend on the carrier’s forms.
My teenager helps on weekends and sometimes drives the truck. Do I have to list them?
Tell us about anyone who drives the vehicle, even now and then. The carrier decides how to rate them. A driver who was never disclosed can create a serious problem after an accident.
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
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Lutz business on either side of the county line? Let us help.
Call or text 813-302-7151. We’re right up the road in Wesley Chapel and can quote your Lutz vehicles with several carriers.
