Commercial Auto Insurance in San Antonio, FL

Name: Covered by Guzman
Telephone: 813-302-7151
Rating: 5

Call or text 813-302-7151

Home Service Areas Commercial Auto Insurance in San Antonio, FL

Raymundo Guzman

Independent Insurance Agent
License #W512374 | NPN #18906048
P: 813-302-7151

Phone
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.

Reviews reflect individual customer opinions and experiences. They do not guarantee specific coverage, pricing, service timing, or claim outcomes.

A small town on State Road 52

San Antonio is one of the smallest cities in Pasco County, with about 1,300 residents in the 2020 census. It was founded in 1882 as a Catholic colony, and Saint Leo University, started by Benedictine monks in 1889, is right next door. It still feels like a small town, but the roads around it have changed a lot.

We write commercial auto for San Antonio businesses: contractors, farm and ranch operations that haul for pay, landscapers and small service companies. Our agency is based in Wesley Chapel, just south of here, so we know this part of Pasco and the kind of work that goes on in it.

We would rather ask a few extra questions up front than have you find a gap in your policy on the side of State Road 52.

The new State Road 52

FDOT rebuilt State Road 52 through this area into a four-lane divided highway, with a new alignment that ties into Clinton Avenue on the way to US 301 in Dade City. All lanes were open by October 2023. It makes the drive to I-75 faster, but it also brings more traffic and more trucks past town.

If your trucks pull onto State Road 52 with a loaded trailer, the higher speeds and heavier traffic are worth a talk with every driver. Carriers look closely at driver records, especially for trucks that tow. If your yard or shop opens right onto the highway, pulling out with a long trailer takes time and space, so make sure every driver knows it.

Farm, ranch and horse trailers

The UF/IFAS extension office in Pasco lists beef cattle and forage among its farm programs, and you see that on the land around San Antonio. That means a lot of pickups pulling stock trailers, flatbeds with hay, and horse trailers.

How those trucks are insured depends on how they are used. A truck used only on your own farm may belong on a farm policy. A truck that hauls hay, cattle or equipment for other people, for pay, is doing commercial work and should be insured that way. If yours does both, tell us, and we will help you sort out the right setup.

Coverage for the animals themselves usually works differently from coverage for the truck and trailer, so ask us about it if you haul livestock or horses.

What carriers want to know about trailers

The type, length and value of each trailer, with the VIN or serial number
What it hauls: your own animals or equipment, or other people’s
Whether the truck and trailer together are heavy enough to need a commercial driver’s license
How far you usually go, and whether trips ever leave Florida

What rides on the trailer, like a tractor, mower or animals, is usually a separate question from the trailer itself. Our trailer insurance page explains what to gather.

Working in town, living in the country

If you live around San Antonio and run a contracting or service business that works in Wesley Chapel, Zephyrhills or Tampa, your truck may spend the night on rural land and the day on I-75.

Carriers rate each vehicle by where it is kept overnight, and they price how far it goes. Give us your real home address and your normal work area, including the longest regular trips. A policy written on the wrong garaging address can cause trouble when a claim comes in.

Mention anything unusual about your routes, like dirt roads, pasture gates or long drives in the dark. It helps us describe the account honestly to the carrier.

Certificates for bigger customers

If you do work for the university, a builder, or a business in one of the new Wesley Chapel developments, you will likely be asked for a certificate of insurance. Some customers want specific liability limits, additional insured status or a waiver of subrogation.

Send us their written requirements before you sign. Some can be handled with a certificate, and others need a change to the policy itself. Our guide to certificates of insurance and contract requirements covers the common ones.

Starting with a new customer? Ask for their insurance requirements in writing at the first meeting. It is much easier to adjust a policy before the job starts than to hold up a crew at the gate.

What to send us for a quote

Business name, what you do and how long you have done it
Year, make, model and VIN for each truck and trailer
Name, date of birth and license number for each driver
Where each vehicle is kept overnight
How much of the driving is for your own farm and how much is paid work
Your current declarations page and loss runs, if you have them

Call or text 813-302-7151. The insurer decides eligibility and price after underwriting, and we will explain each option in plain words.

Switching from another agent? Bring your current policy. We will compare it limit for limit so you can see what changes.

Serving San Antonio and nearby communities

We also work with businesses in Dade City, Zephyrhills and Wesley Chapel, plus Saint Leo and the rural areas along State Road 52. If your business runs from a farm, a shop or your kitchen table, we can help you set up commercial auto that fits. We can also quote general liability and workers’ compensation when a customer asks for them.

Every October, the Rattlesnake Festival fills City Park on Main Street. If your business works local events with a trailer or food truck, those trips belong on your policy too.

What businesses in Pasco County pay for insurance

These ranges come from real quotes our agency has run for businesses across Pasco County, which includes San Antonio. 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 $7,000 / yearAbout $25 to $590 a month.
Commercial auto, whole policy$2,000 to $36,000 / yearAbout $160 to $3,000 a month.
Workers' compensation$900 to $4,000 / yearAbout $75 to $340 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.

I haul hay for neighbors and get paid for it. Do I need commercial auto?

Most likely, yes. Hauling for other people for pay is commercial use, and a personal or farm policy may not respond to it. Tell us how often you haul and how far, and we will look at the right setup.

Does my horse trailer need to be on the policy?

If you use it for business, yes. Give us the VIN or serial number, length and value. The animals on the trailer are a separate question, so tell us what you haul and whether it belongs to you or to customers.

I run my contracting business from home in San Antonio but work in Wesley Chapel. Which address counts?

The carrier rates each vehicle where it is kept overnight, so your home address matters. We also ask where you work and how far you drive, because radius affects the price.

Do I need a CDL for my truck and trailer?

It depends on the combined weight of the truck and trailer and how you use them. Check your registration and trailer weight ratings, and tell us the numbers. Carriers will ask about driver licensing for heavier setups.

Is your agency close to San Antonio?

Yes. We are based in Wesley Chapel, just south of San Antonio, and we work with businesses across Pasco County. Most quotes happen by phone, text and email.

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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Commercial auto for San Antonio farms, trades and trailers

Call or text 813-302-7151 with your trucks, trailers and drivers, and we will compare carriers for your San Antonio business.