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.
Work trucks on Gall Boulevard and Fifth Avenue
Most workdays in Zephyrhills run along two roads: US 301, which is Gall Boulevard through town, and State Road 54, which becomes Fifth Avenue downtown. Add State Road 39 south toward Plant City and State Road 56 west toward Wesley Chapel, and you have the map most local crews drive every week.
We work with Zephyrhills businesses that depend on their vehicles: contractors, lawn and landscape crews, mobile mechanics, haulers and delivery drivers. Our agency is based next door in Wesley Chapel, so we know these roads and the kind of work that happens on them.
The State Road 56 extension, which opened to US 301 in 2019, made the drive to Wesley Chapel shorter and tied Zephyrhills more closely to the growth there. For a lot of local businesses, that means more jobs on the west side and more time behind the wheel.
Busier from fall to spring
Zephyrhills has long drawn winter residents, and many of them stay in the RV parks and 55+ communities around town. If your business serves those parks and neighborhoods, your schedule and your mileage may climb in the winter months.
If you add a seasonal driver, borrow a second truck, or buy another trailer for the busy months, tell us before the first day it goes out. A driver or vehicle that never made it onto the policy is a gap that is easy to avoid with one phone call.
Near the airport industrial park
The Zephyrhills Airport Industrial Park sits next to the municipal airport and has CSX rail access. It is home to manufacturing and distribution, including the large Bauducco Foods plant. Tractor trailers, box trucks and delivery vans now share the same roads as local service crews.
If you haul, deliver or do contract work for businesses out there, expect them to ask for proof of insurance, a set liability limit, and sometimes cargo coverage. Our box truck insurance page covers what carriers usually want to know about that kind of work.
More plants and rail traffic also mean more heavy trucks turning in and out. If your drivers are used to quiet residential streets, a short talk about following distance and blind spots is worth it. Fewer claims help keep your price in check at renewal.
Know your radius
A lawn crew that stays inside Zephyrhills and Wesley Chapel is a different risk from a hauler who runs to Lakeland, Tampa and Orlando every week. Carriers price the distance your vehicles really travel, so be honest about the long trips too, even if they only happen once a month.
We will ask about:
- The farthest place each vehicle goes in a normal month
- Whether any trips leave Florida
- Whether you haul your own equipment or other people’s goods
- Where each vehicle parks at night
If the radius changes during the year, like a new contract in Orlando, call us. A policy written for local work may not fit a truck that now spends half its week on I-4.
Drivers make the biggest difference
A young driver, a recent at-fault accident, or a suspended license can raise the premium or cause a carrier to decline the account. We ask for license numbers and dates of birth for everyone who drives, and we tell you plainly if one driver is causing trouble.
Hiring soon? Send us the new driver’s information before they start. Our page on driver record reviews explains what carriers check.
If a driver has an old ticket, we still want to know. Carriers look back over several years of driving history, and it is better to hear about it from you than to be surprised by the record.
Trailers, tools and equipment
Many Zephyrhills businesses pull a trailer: a mower trailer, an enclosed tool trailer, or a flatbed for equipment. Each one needs its own listing with a VIN or serial number and a value. What rides on the trailer, like mowers, blowers and hand tools, usually needs a separate tools and equipment policy.
Landscapers can find more detail on our landscaper insurance page, including how trailers and equipment are handled.
Renting a trailer or a skid steer for a big job? Ask the rental company what insurance they need from you before you sign, and send us that page so we can check it.
What to send us for a quote
- Business name, type of work and years in business
- Year, make, model and VIN for each vehicle and trailer
- Name, date of birth and license number for each driver
- The address where vehicles are kept overnight
- Your current declarations page and loss runs, if you have them
- Any customer contract or certificate requirements
Text a photo of your current declarations page to 813-302-7151 and we can start there. The insurer decides eligibility and price after underwriting, but a full picture up front saves time.
Most quotes start with a short phone call. We ask the questions, you answer in your own words, and we handle the carrier forms.
Serving Zephyrhills and nearby communities
Besides Zephyrhills, we work with businesses in Wesley Chapel, Dade City, San Antonio and Plant City. US 301 ties Zephyrhills to Dade City to the north, and State Road 39 is the straight run south to Plant City in Hillsborough County.
If your trucks cross the county line regularly, tell us. It helps the carrier rate the account the right way from the start.
We also help Zephyrhills businesses with general liability and workers’ compensation, which many customers and general contractors ask to see alongside the auto policy.
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 Zephyrhills. 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 add a truck and a driver only for the winter season. How do I handle that?
Call us before the truck or driver goes to work. We can add them to the policy for the months you need and remove them when the season ends, depending on the carrier’s rules. A driver who is not listed can cause a problem if there is an accident.
I haul for businesses near the Zephyrhills airport. What will they ask for?
Most will ask for a certificate of insurance showing your liability limit, and some will want to be named as an additional insured. If you carry their goods, they may also ask about cargo coverage. Send us their written requirements and we will check them against what the carrier can offer.
I live in Zephyrhills but most of my jobs are in Wesley Chapel and Tampa. Which address matters?
The carrier rates each vehicle based on where it is kept overnight, so that address matters most. We also ask where the work happens and how far you drive, because a longer radius can change the price.
Does commercial auto cover the mowers and tools on my trailer?
Usually not. Commercial auto is built for the vehicle, the trailer and your liability on the road. Mowers, blowers and tools are normally covered under a separate tools and equipment policy, which we can quote at the same time.
My last carrier did not renew my policy. Can you still help?
We can try. Send us your loss runs and the reason the carrier gave, and we will look for carriers that may consider the account. The insurer decides eligibility and price after underwriting, so we will be upfront about what we find.
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 Zephyrhills crews, haulers and fleets
Call or text 813-302-7151 with your vehicles, drivers and radius, and we will compare carriers for your Zephyrhills business.
