FLORIDA/TEXAS— This mother’s day buyers have spent normal time shopping because our pandemic conditions have changed, but businesses like Flower Shops still have last minute orders and/or fulfillment to be done during Mother’s Day weekend, and even on Sunday.

Not only it is important to have proper coverage to protect your business and way of life with insurance policies for business owners (BOP), but there is so much more that needs to be considered.

For example, if you have a few employees you must protect them with worker’s compensation insurance which in some states is required by law, where it's not, it is still strongly recommended. Also, general liability insurance will help you keep your business afloat if alleged bodily injury, property damage, or personal injury occurs in your business’ premises while running your operations.

For small businesses like flower shops, delivery is crucial, it is probably one of the main reasons why customers come to you looking for a reliable way to either surprise, create a good impression, or express love to someone. Not only they fall in love with your products, but they trust you will get it delivered on time and in perfect conditions.

As a small business owner, you need some of the same insurance coverage's for the company cars, trucks, vans or other vehicles you use in your business as you do for vehicles used for personal travel, but a commercial auto insurance policy is required under most circumstances when a vehicle is used for business purposes and meets certain other requirements. Commercial auto insurance covers legal bills, medical expenses, and property damage if a business vehicle is involved in an accident.

Selecting commercial vehicle insurance coverage that meets your specific needs is vital to protecting your business and income. A commercial auto insurance quote typically includes:

• Liability
• Physical Damage
• Medical Payments
• Uninsured Motorist
• Hired Auto
• Non-Owned Coverage
• Any Auto
• All commercial coverages

Hired and non-owned auto (HNOA) insurance provides liability coverage for vehicles your business uses but does not own, like:

• Employee-owned vehicles
  
• Vehicles leased by a company
  
• Vehicles rented by a company

At Garzor Insurance we care about your business and we also understand that in Florida and Texas, it is hard to find the right Commercial Auto insurance company that is most compatible with your type business. Not only our agents can find a commercial auto or truck insurance policy that suits your company's needs, but we will be able to assist you with aspects of your business like general liability, property coverage or workers compensation. Also, identifying potential coverage gaps and discuss your unique insurance needs to find you the professional liability policy with coverage that matches your specific business needs. 

Our experienced professionals are dedicated to providing commercial insurance, including BOP coverage,business general liability, and professional liability coverage in Florida as well as Texas, and now many other states across the U.S. If you also have questions about truck or other commercial vehicles insurance, or any other business insurance aspects, please do not hesitate to visit us online at Garzor Insurance, or you may want to call us directly at (321) 206-8035. 

Manuela Garcia

Licensed Insurance Agent