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.
Seffner sits right on I-4
Seffner is a small unincorporated community about 13 miles east of downtown Tampa, with I-4 along its northern edge and Martin Luther King Jr. Boulevard to the south. A hundred years ago it was a railroad shipping town. Today the shipping happens by truck, with warehouses and distribution buildings along the I-4 corridor between Tampa and Plant City.
We are an independent agency based in Wesley Chapel. We quote Seffner haulers, delivery operators and service businesses with several carriers and explain the choices in plain words, so you can pick coverage that matches the work and the contracts you sign.
Box trucks, cargo vans and delivery routes
Warehouse growth along I-4 brings more box trucks, cargo vans and last-mile delivery routes. County planners studying the corridor have found transportation and warehousing to be its fastest-growing job sectors. Mango Road and McIntosh Road both feed I-4 nearby, so a lot of local trucks are on the interstate within minutes of leaving the yard.
Carriers look closely at this work: what you carry, how many stops, and whether you deliver under your own name or as a contractor for a larger company. If you run box trucks, see our box truck insurance page for the questions carriers ask.
Contracting for a delivery network
Many delivery operators work under contract for a larger shipper or platform. Those contracts usually set required auto liability limits and cargo limits, and say who must be named as additional insured. Some also spell out coverage for vehicles you rent during peak season.
Send us the contract’s insurance section before you sign it. We will tell you what the carriers we work with can meet and what it may add to the price. It is much easier to fix a gap before the first route than after a customer’s compliance team flags it.
Read the indemnity section too. Some contracts make you responsible for more than your own driving, and insurance may not follow every promise you make on paper.
Hauling for hire and heavier trucks
Hauling someone else’s goods for pay is different from carrying your own tools. Heavier trucks, hauling for hire and crossing state lines can each bring extra federal and state requirements, and not every carrier writes that work.
Tell us the gross vehicle weight of each truck, what you haul and whether you ever leave Florida. We will point you to the official requirements that may apply and build the quote around them. If you are just starting out, say so. New operations have fewer carrier options, but coverage may still be available.
Keep copies of permits, filings and inspection records in one place. Underwriters often ask for them, and having them ready speeds up the quote.
Drivers for a growing route
Delivery businesses add drivers fast, and turnover can be high. Each driver needs to be reported to the carrier, and each carrier sets its own rules on age, experience and violations. A driver the carrier will not accept can hold up a route or, worse, cause a coverage problem after an accident.
Send new drivers to us before their first shift. We check them with the carrier and let you know right away if there is an issue. Keep a simple driver file with a copy of each license and the date the driver started, and review records at least once a year.
A short written policy on phone use, seat belts and backing also helps your case with underwriters, especially as the fleet grows.
Rentals and employee vehicles
During busy seasons, delivery businesses often rent extra vans or trucks. The coverage sold at the rental counter can be expensive and may not match your contract. Hired auto coverage can extend your liability to rented vehicles, and non-owned auto coverage helps protect the business when employees use their own cars for work.
Damage to the rented truck itself is a separate question. Ask us before peak season so you know what the rental agreement makes you responsible for and how your policy responds.
If you lease trucks long term instead of renting by the day, the lease usually spells out its own insurance requirements. Send it with your quote request.
Cargo, garaging and limits
- Cargo: the load inside a box truck is not covered by auto liability. Motor truck cargo coverage is a separate line, and contracts often set its limit.
- Garaging: tell us where trucks park overnight, whether that is a yard off Mango Road, a warehouse lot or a driver’s home.
- Limits: customer contracts and lenders often require more than the minimum. Pick limits based on the work, not just the price.
- Tools and equipment: hand trucks, dollies and lift gates are part of the job, but loose equipment usually needs inland marine coverage.
Serving Seffner and nearby communities
We work with haulers and service businesses in Seffner, Mango and Thonotosassa, and nearby Brandon, Tampa, Plant City and Temple Terrace.
To start a quote, send us the business name and what you do, each driver’s name, date of birth and license number, VINs, gross weights for trucks, overnight parking addresses, what you haul and for whom, and any contract insurance requirements. The insurer decides eligibility and price after underwriting, and we will lay out the options side by side. 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 Seffner. 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.
I deliver packages under contract for a larger company. Do I need my own policy?
In most cases, yes. Delivery contracts commonly require the contractor to carry its own commercial auto with set limits. Send us the contract so we can match it.
Does cargo coverage come with commercial auto?
No. Motor truck cargo is a separate coverage. If you haul goods for others, ask about it and check what limit your contract requires.
I rent extra box trucks for the holidays. Am I protected?
Hired auto coverage can extend your liability to rented vehicles if it is on your policy. Damage to the rental may need separate coverage or the rental company’s option. Confirm before you rent.
Does parking at a warehouse lot off I-4 change my rate?
It can. The overnight location is part of the rating, and a secured lot may be viewed differently than a street or driveway. Give us the exact address.
I am starting a new delivery business. Can I still get a quote?
Yes. New ventures usually have fewer carrier options and may pay more at first, but coverage may still be available. Driver records and a clear business plan help.
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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Seffner box trucks and delivery vans: let's get you quoted.
Call or text 813-302-7151 with your trucks, drivers and contract requirements, and we’ll shop your Seffner operation with several carriers.
