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Sunday, September 18 2022
The New I-4 Truck Parking Facility

Orlando, Fla.—According to the U.S. Department of Transportation, the Tampa/Orlando corridor carries an average of 18,000 trucks daily. A long standing truck parking facility shortage is an urgent issue to address.

Recently, the USDOT announced a $1.5 billion in grants awarded to 26 infrastructure and transportation projects nationwide, and includes a new truck parking facility in Florida. As reported by DOT the projects were prioritized based on those that will deliver national or regional economic benefits, the Infrastructure for Rebuilding America, also known as INFRA projects, were also evaluated based on safety, how they supported freight movement and job creation, their efforts to address climate change and resiliency, impacts on equity and quality of life, how they applied innovative technology, their cost effectiveness, and demonstrated project readiness.

The I-4 West Central Florida Truck Parking Facility— will consist of approximately 120 truck parking spaces, electric charging stations, at least six electrical hookups to provide stand-by power for refrigerated trucks and auxiliary power for in-cab comforts. It will also include pedestrian infrastructure to allow truck drivers to access nearby commercial amenities, and will be connected DOT’s Truck Parking Availability System to make it easy for users to identify available spots.

It is a federal requirement for truckers to have primary auto liability. Each truck, including leased units, must carry commercial auto insurance. This liability insurance provides you with protection if a third party becomes injured in an accident. It is also important to keep your truck/fleet well protected against risks on and off the road. Protecting your commercial vehicles as much as your valuable cargo, especially if it represents an environmental threat, can be the difference between staying in business and prosper, or not. If your truck carries cargo that can be environmentally toxic or could contribute to pollution, you need special insurance to help pay for the cost of the cleanup if it should be spilled in an accident. Environmental liability insurance will cover this expense, as long as it occurs in a qualifying situation. 

Specialized heavy truck insurance for most types of trucks, including:

  • Box trucks
  • Semi trucks
  • Flatbed trucks
  • Front loaders
  • Tank trucks
  • Tractors
  • Dump trucks
  • Auto hauler trailers
  • Garbage trucks
  • Pickup trucks
  • Flatbed trailers

Orlando Truck Insurance is a full-service provider of Commercial Insurance products and services for Trucking and Commercial auto insurance. We invite you to review our programs: truck, public transportation, and commercial specialty auto. Orlando Truck Insurance has the products and underwriting experience to meet your insurance needs.

To obtain a quote for Truck Insurance, call us at  (407) 203-7085 to speak with a truck insurance specialist. You may also fill out an online questionnaire and one of our staff members will contact you to complete your quote process.

We have the staff, the local experience and the customer service platform to walk you through your insurance coverage options and keep your business well protected. Again, call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be more than happy to assist!

Diana Munoz - Licensed Agent

Email Diana

Posted by: AT 03:52 pm   |  Permalink   |  Email
Saturday, August 20 2022
Truck Driver Fatigue And Its Risks

Orlando, Fla.—Truck driver fatigue is a problem the industry has been dealing with for a while. With the driver shortage, comes additional work hours for the ones currently on the job. Working while tired is a normal situation for many, but when a truck driver is showing signs of fatigue, it becomes a serious danger for all, the driver and anyone else involved in case of an accident.

Fatigued commercial truck drivers are exposed to daytime sleepiness, slowed thinking, a diminished attention span, and poor judgment or decision making. You must remember this is all happening while they are in control of heavy weight rigs, driving at highway speeds. Do the math.

The Federal Motor Carrier Safety provides a few tips for truck drivers to maintain safe driving conditions while on duty.

Get enough sleep before getting behind the wheel

Be sure to get an adequate amount of sleep each night. If possible, do not drive while your body is naturally drowsy, between the hours of 12 a.m. to 6 a.m. and 2 p.m. to 4 p.m. Driver drowsiness may impair a driver’s response time to potential hazards, increasing the chances of being in a crash. If you do become drowsy while driving, be sure to choose a safe place to pull over and rest.

Maintain a healthy diet

Skipping meals or eating at irregular times may lead to fatigue and/or food cravings. Also, going to bed with an empty stomach or immediately after a heavy meal can interfere with sleep. A light snack before bed may help you achieve more restful sleep. Remember that if you are not well-rested, induced fatigue may cause slow reaction time, reduced attention, memory lapses, lack of awareness, mood changes, and reduced judgment ability.

Take a nap

If possible, you should take a nap when feeling drowsy or less alert. Naps should last a minimum of 10 minutes, but ideally a nap should last up to 45 minutes. Allow at least 15 minutes after waking to fully recover before starting to drive.

Avoid medication that may induce drowsiness

Avoid medications that may make you drowsy if you plan to get behind the wheel. Most drowsiness-inducing medications include a warning label indicating that you should not operate vehicles or machinery during use. Some of the most common medicines that may make you drowsy are: tranquilizers, sleeping pills, allergy medicines and cold medicines.

Recognize the signals and dangers of drowsiness

Indicators of drowsiness include: frequent yawning, heavy eyes, and blurred vision.

Do not rely on “Alertness Tricks” to keep you awake

Behaviors such as smoking, turning up the radio, drinking coffee, opening the window, and other “alertness tricks” are not real cures for drowsiness and may give you a false sense of security.


Orlando Truck Insurance is a full-service provider of Commercial Insurance products and services for Trucking and Commercial auto insurance. We invite you to review our programs: truck, public transportation, and commercial specialty auto. Orlando Truck Insurance has the products and underwriting experience to meet your insurance needs.

To obtain a quote for Truck Insurance, call us at  (407) 203-7085 to speak with a truck insurance specialist. You may also fill out an online questionnaire and one of our staff members will contact you to complete your quote process.

We have the staff, the local experience and the customer service platform to walk you through your insurance coverage options and keep your business well protected. Again, call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be more than happy to assist!

Hector Perez, Producer

Email Hector
Call 407-203-7085

Posted by: AT 10:57 am   |  Permalink   |  Email
Saturday, July 30 2022
The Commercial Vehicle Safety Alliance Brake Safety Week

Orlando, Fla.—Approximately 4 million commercial motor vehicle inspections are conducted every year throughout North America to ensure the large trucks and buses driving on our roadways are operating safely. Specially trained inspectors in each state, jurisdiction, territory and province inspect commercial motor vehicles based on inspection procedures and criteria created by CVSA, known as the North American Standard Inspection Program. During the month of August, specifically from the 21 through the 27, the U.S., Canada, and Mexico will be conducting the CVSA Brake Safety Week. During this period of time, inspectors will be performing what is known as the North American Standard Level I and V Inspections. The North American Standard Level I, Level V and Level VI are the only inspections that may result in issuance of a CVSA decal placed on the vehicle.

To qualify for a CVSA decal, a vehicle must not have any critical violations according to the North American Standard Out-of-Service Criteria.

In 2022 the focus will be in brake hose/tubbing chafing violations. Brake-related violations comprise the largest percentage of all out-of-service vehicle violations cited during roadside inspections, and according to last year’s three-day International Road check data, brake systems and brake adjustment violations accounted for 38.9% of all vehicle out-of-service violations, the most of any category of vehicle violations. To address this, CVSA’s Brake Safety Week seeks to:

  • Identify and remove commercial motor vehicles with critical vehicle inspection violation items identified in the North American Standard Out-of-Service Criteria from roadways.
  • Conduct inspections and identify and acknowledge commercial motor vehicles that do not have critical vehicle inspection violations by affixing those vehicles with a CVSA decal.
  • Encourage proactive vehicle maintenance in advance of the week.
  • Highlight the hard work and commitment to safety by inspectors, drivers and motor carriers.
  • Remind drivers and motor carriers about the importance of proper brake maintenance and vehicle pre-trip and post-trip inspections.
  • Provide an opportunity for outreach and educational brake-safety efforts by inspectors.

The Level I of the above mentioned inspections include the examination of the driver’s license; Medical Examiner’s Certificate and Skill Performance Evaluation (SPE) Certificate (if applicable); alcohol and drugs; driver’s record of duty status, as required; hours of service; seat belt; vehicle inspection report(s) (if applicable); brake systems; cargo securement; coupling devices; driveline/driveshaft; exhaust systems; frames; fuel systems; lighting devices (headlamps, tail lamps, stop lamps, turn signals and lamps/flags on projecting loads); steering mechanisms; suspensions; tires; van and open-top trailer bodies; wheels, rims and hubs; windshield wipers; buses, motor coaches, passenger vans or other passenger-carrying vehicles – emergency exits, electrical cables and systems in engine and battery compartments, seating, HM/DG and specification cargo tank requirements, as applicable. HM/DG required inspection items will only be inspected by certified HM/DG and cargo tank inspectors, as applicable.

The Level V is basically an inspection that includes each of the vehicle inspection items specified under the North American Standard Inspection (Level I), without a driver present, conducted at any location.


Orlando Truck Insurance is a full-service provider of Commercial Insurance products and services for Trucking and Commercial auto insurance. We invite you to review our programs: truck, public transportation, and commercial specialty auto. Orlando Truck Insurance has the products and underwriting experience to meet your insurance needs.

To obtain a quote for Truck Insurance, call us at  (407) 203-7085 to speak with a truck insurance specialist. You may also fill out an online questionnaire and one of our staff members will contact you to complete your quote process.

We have the staff, the local experience and the customer service platform to walk you through your insurance coverage options and keep your business well protected. Again, call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be more than happy to assist!

Diana Munoz - Licensed Agent

Email Diana

Posted by: AT 10:18 pm   |  Permalink   |  Email
Sunday, June 12 2022
Is Truck Driving Still a Childhood Dream?

Orlando, Fla.—Those were the days when as kids we couldn’t take our eyes off trucks, planes and automobiles. Technology has changed that quite a bit, but mostly in the way our kids interact with them. Wheels are always exciting to the eyes of children and that has not changed even a bit.

Many truck drivers sacrifice important time with their families and as dads they need to weigh-in the need to provide food, shelter and security for their loved ones, sometimes at the cost of missing holidays or other important events together.

For all of us adults it is easy to know the heroic task they have at hand, especially at times of challenges in the distribution chain. Truck drivers are the year round Santa Clauses, that make possible our uninterrupted ways of life.

Now, sometimes, it’s not only about the challenges of the industry or the dynamics of the job itself, if you invested in one or more trucks to make it your way of living and support for your family, you must take the necessary steps to protect your business from adversity.

You must protect your investment from weather events, theft, accidents, lawsuits and any other risk or potential cause of loss. The truck itself may be very expensive. Imagine if you had to personally pay for repairs out of your own pocket.

For example, Florida owners and operators of commercial trucks can't get by with a standard commercial auto insurance policy. In addition to protecting the cargo they carry, truckers must consider the massive physical damage that can be caused by their trucks, the potential environmental issues an accident could cause, and the expensive cost to repair their large vehicles.


If you are concerned about the cost of truck insurance policies, there are a few easy tactics you can implement to help you save big on your commercial trucking insurance premiums, here are just a few examples:

Clean driving records— insurance providers value the experience of truck drivers dealing with bad weather one other difficult conditions.

Employment history—Ideally, hire drivers with no more than 2 minor moving violations in 3 years.

Trucking routes—Oftentimes risk levels will rely on the frequency your drivers have to face inclement weather and dense population areas. Premiums are calculated based on risks, so you do the math.

Newer trucks—Trucks that are 10 years old or newer are key to help maintain lower premiums. If accident avoidance technology is present, make sure to let your insurer know at the time of preparing your quote.

Higher deductible— This is another option to lower your premium. Ask your agent about the pro’s and con’s of having a higher deductible in your particular case before making any decision.


Orlando Truck Insurance is a full-service provider of Commercial Insurance products and services for Trucking and Commercial auto insurance. We invite you to review our programs: truck, public transportation, and commercial specialty auto. Orlando Truck Insurance has the products and underwriting experience to meet your insurance needs.

To obtain a quote for Truck Insurance, call us at  (407) 203-7085 to speak with a truck insurance specialist. You may also fill out an online questionnaire and one of our staff members will contact you to complete your quote process.

We have the staff, the local experience and the customer service platform to walk you through your insurance coverage options and keep your business well protected. Again, call one of our truck and commercial vehicles insurance specialists today at

(407) 203-7085 to get you started in the right track, we’ll be more than happy to assist!

Hector Perez, Producer

Email Hector
Call 407-203-7085

Posted by: AT 03:11 pm   |  Permalink   |  Email
Monday, May 30 2022

Orlando, Fla.—As we watched recent news in Central Florida regarding the explosion of a food truck that severely burned burned a woman, located in the Brevard Coast, we take some time to reflect on what happened and what could have been done to prevent it.

Food trucks are regulated by the state and require many of the same checks and inspections as restaurants. In some cases, additional licensing is necessary depending on where they are setting up to do business. Following rules and regulations are  clearly key for physical safety and for food safety.

The inspections of gas lines, fire suppression, and emergency cut-off valves are required to be before operating your food truck business. Especially during events like food festivals and others where increased traffic can be expected, a fire marshal is usually on-site for inspections.

In Deltona, as an example, the city commission is already in the works for new regulations that had been a little controversial among businesses in the area.  The ordinance includes several other regulations for food trucks, including:
—Requirements for fire safety inspections every six months

—Licenses for alcohol sales (if applicable)

—Zoning designations

—10-foot minimum distance from all buildings, vehicles and combustible materials

—Each food truck to be equipped with at least one trash receptacle

—Site restrictions based on available nearby parking spaces

—Provisions against excessive noise, heat or glare

—Tables, seating and canopies must be removed at the end of the day

Also in Deltona, the new ordinance now requires food truck owners to present a notarized letter from the landowner at any given spot their truck parks and operates.

Given the amount of risk involved in operating some kinds of businesses like food trucks, owners/operators must have a solid strategy to respond in the event an accident of this type occurs.

What kind of insurance does a food truck need?

Food truck insurance is insurance tailored to the needs of food truck operators. You will need several coverages to work in tandem with one another in order to ensure sufficient coverage for a mobile food truck.  It is important that your insurance coverage takes care of the vehicle itself, its content, your employees, plus the two areas vulnerable to liability, which are the truck and your business operation.

Commercial Auto Insurance—This type of insurance is required for all vehicles used for business purposes to protect from liabilities and damage while in transit. The policies included in commercial auto insurance protect your vehicle from physical damage to the unit and items permanently attached to your vehicle by bolts, plumbing, and gas lines.

Kitchen Equipment and its Contents—It is important to pair commercial auto insurance with contents coverage to ensure that all of your food truck belongings are protected by your insurance. It covers the items that are in your food truck but not permanently fixed to the unit. As a food truck owner you’ll have the option to choose between an actual cash value policy or replacement cost value. As in other types of insurance policies, replacement policies will imply a higher premium than actual cash policies.

General Liability Insurance —Food truck general liability insurance is necessary to protect your mobile business from risks involving third parties while your vehicle is stationary while open for business.

Workers Compensation—It protects your employees with wages and medical benefits if they get ill or injured at work. This particular coverage will give you protection if:

  • An employee slips and falls on the job.
  • Employee suffers a job-related illnesses.
  • Employee incurs in medical care expenses, medication, and rehabilitation caused by an injury on the job.
  • Long-term or permanent disability payments.

Death benefits to family members of employees that experience a work-related death.


Orlando Truck Insurance is a full-service provider of Commercial Insurance products and services for Trucking and Commercial auto insurance. We invite you to review our programs: truck, public transportation, and commercial specialty auto. Orlando Truck Insurance has the products and underwriting experience to meet your insurance needs.

To obtain a quote for Truck Insurance, call us at  (407) 203-7085 to speak with a truck insurance specialist. You may also fill out an online questionnaire and one of our staff members will contact you to complete your quote process.

We have the staff, the local experience and the customer service platform to walk you through your insurance coverage options and keep your business well protected. Again, call one of our truck and commercial vehicles insurance specialists today at

(407) 203-7085 to get you started in the right track, we’ll be more than happy to assist!

Diana Munoz - Licensed Agent

Email Diana

Posted by: AT 03:56 pm   |  Permalink   |  Email
Sunday, May 01 2022
Way To Go With Your New Trucking Business!

So now you’ve decided to get a hold of the opportunity at hand and start your business as a truck driver in Orlando, but do are you aware of all the resources available in Florida to help your grow your business and stay away from trouble? Getting all the knowledge and skills necessary are just the beginning.

First, as you know, all applicants for a Commercial Driver License are required to have an Operator’s License, pass the vision requirements, and pass knowledge and skills tests. Applicants must be at least 18 years of age. If they are under 21, they will be restricted to intrastate operation only.

Drivers with CDL licenses that have expired for a year or more will be required to complete and pass all applicable knowledge and skills exams again. In other words, you must get a new CDL. These knowledge tests are offered in multiple languages and may be taken orally in English or Spanish. Hazardous materials and skill tests are currently only available, and must be conducted, in English and interpreters are not allowed during the administration of any tests.


— Class A Requirements –

To operate trucks or truck combinations weighing 26,001 lbs or more, and towing a vehicle/unit over 10,000 lbs, a Class A license is required. The following tests are required:

  • Knowledge Tests
  • General Knowledge Test
  • Combination Vehicles Test
  • Air Brakes Test (if applicable, most Class A vehicles are equipped with Air Brakes but not all)
  • Applicable exams for desired endorsements
  • Skills Tests
  • Pre-trip Vehicle Inspection
  • Basic Vehicle Control
  • On-road Test

—Class B Requirements –

To operate straight trucks and buses 26,001 lbs or more, a Class B license is required. The following tests are required:

  • Knowledge Tests
  • General Knowledge Test
  • Air Brakes Test (if applicable)
  • Applicable exams for desired endorsements
  • Skills Tests
  • Pre-trip Vehicle Inspection
  • Basic Vehicle Control
  • On-road Test

—Class C Requirements –

To operate vehicles transporting placarded amounts of hazardous materials, or vehicles designed to transport 16 or more people including the driver, with a Gross Vehicle Weight Rating of less than 26,001 lbs, a Class C license is required. The following tests are required:

  • Knowledge Tests
  • General Knowledge Test
  • Air Brakes Test (if applicable)
  • Applicable exams for desired endorsements
  • Skills Tests
  • Pre-trip Vehicle Inspection
  • Basic Vehicle Control
  • On-road Test

It is important to know that Florida will reciprocate an out of state or a Canadian commercial driver license. However, an out of state applicant with a hazmat endorsement will have to reapply for a hazmat endorsement, which will include a  background check, appropriate tests and fees.

Another important step you’ll need to learn in the process is how to combine different insurance coverages to make sure you get maximum protection for your investment, while making sure you don’t pay more for what you don’t need. This is when an experienced local agent comes to play and helps you find easy solutions for complex matters like buying truck insurance. It saves you time, and will save you money.

Orlando Truck Insurance is a full-service provider of Commercial Insurance products and services for Trucking and Commercial auto insurance. We invite you to review our programs: truck, public transportation, and commercial specialty auto. Orlando Truck Insurance has the products and underwriting experience to meet your insurance needs. As a recognized leader in the local trucking insurance industry, our parent company Garzor Insurance  specialized in serving “niche” or undeserved markets. Our proven, superior underwriting model creates flexibility to write unique coverage’s in a wide array of diverse industries.

We have the staff, the local experience and the customer service platform to walk you through your insurance coverage options and keep your business well protected. Again, call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist. We are in this together!

Hector Perez, Producer

Email Hector
Call 407-203-7085

Posted by: AT 01:33 pm   |  Permalink   |  Email
Saturday, March 19 2022
Are 18-20 Year Old Drivers the Solution to the Reported Industry Shortage?

Orlando, Fla.—The Safe Driver Apprenticeship Pilot (SDAP) Program is a new federal program intended to limit the amount of 18 to 20 year old drivers to operate commercial motor vehicles in interstate commerce, allowing them now to drive between states.

This pilot program is one of many initiatives designed to support drivers and improve retention at the same time as expanding access to quality jobs.

These initiatives include: 

  • Expanding Registered Apprenticeship programs -- more than 100 employers and industry partners have stepped forward to work to expand Registered Apprenticeships in the last 30 days. 
  • Creating the Women of Trucking Advisory Board mandated in the Bipartisan Infrastructure Law. 
  • Creating a new task force, mandated by the Bipartisan Infrastructure Law, to investigate predatory truck leasing arrangements with DOL and the Consumer Financial Protection Bureau. 
  • Beginning two studies to explore the issues of truck driver pay and unpaid detention time. 
  • Launching the Safe Driver Apprenticeship Pilot –an under-21 pilot program for truck drivers mandated in the Bipartisan Infrastructure Law. 
  • Over $32 million in funding to states to improve CDL licensing process. 
  • The purpose of the new federal program is to help address the truck driver shortage and ongoing supply chain crisis. The FMCSA notified the public that it will be screening motor carriers to determine their eligibility to participate in the SDAP if they meet strict safety standards, and will also conduct outreach to motor carriers with excellent safety records inviting their participation in the program.  

FMCSA considers the Safe Driver Apprenticeship Pilot Program (SDAP) a top agency and Departmental priority and is working diligently to comply with federal law to establish it before motor carrier and/or driver applications can be accepted.

18- to 20-year-olds are currently already permitted to drive semi-trucks in Florida and 48 other states; they just can’t drive across state lines or haul interstate commerce. There are concerns the the SDAP Program will make highways less safe – but it actually raises the bar for training standards and safety technology far above current standards for under-21 CDL holders.

The SDAP Program represents a great opportunity for young women and men seeking a high-paying profession without going into debt for a four-year degree. For us in Florida, it will open doors for young drivers to transport cargo from Florida ports, which is considered interstate commerce – even if the port is located in the same state (or city) as the final location. 

FACT: Florida needs about 15 percent of the nation’s professional drivers due to geography, ports, and consumption.

To obtain a quote for truck insurance, call us at  (407) 203-7085 to speak with a truck insurance specialist. You may also fill out an online questionnaire and one of our staff members will contact you to complete your quote process.

At Orlando Truck Insurance we have the staff, the local experience and the customer service platform to walk you through your insurance coverage options and keep your business well protected. Again, call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist!

Oscar Pacheco - Licensed Agent

Email Oscar

Posted by: AT 03:26 pm   |  Permalink   |  Email
Sunday, February 13 2022
Keeping Your Food Truck Well Insured

Orlando, Fla.— Food trucks is a modality that is here to stay. Crowds rave for certain types of food served in a casual way that allows you the flexibility to eat at location in some instances, or you can take home or stay in your own vehicle to enjoy your order. Orlando has a large variety of food trucks to cater all food tastes. If you’re looking to start your own food truck, one of the most important business steps is investing in insurance.

The one question many new businesses have is:

What kind of insurance does a food truck need?

Food truck insurance is insurance tailored to the needs of food truck operators. You will need several coverages to work in tandem with one another in order to ensure sufficient coverage for a mobile food truck.  It is important that your insurance coverage takes care of the vehicle itself, its content, your employees, plus the two areas vulnerable to liability, which are the truck and your business operation.

Typically the following types of food trucks will need food truck insurance:

Concession truck

Lunch truck

Ice cream truck

Catering truck

Mobile food truck

Vending truck

Commercial Auto Insurance—This type of insurance is required for all vehicles used for business purposes to protect from liabilities and damage while in transit. The policies included in commercial auto insurance protect your vehicle from physical damage to the unit and items permanently attached to your vehicle by bolts, plumbing, and gas lines.

Kitchen Equipment and its Contents—It is important to pair commercial auto insurance with contents coverage to ensure that all of your food truck belongings are protected by your insurance. It covers the items that are in your food truck but not permanently fixed to the unit. As a food truck owner you’ll have the option to choose between an actual cash value policy or replacement cost value. As in other types of insurance policies, replacement policies will imply a higher premium than actual cash policies.

General Liability Insurance —Food truck general liability insurance is necessary to protect your mobile business from risks involving third parties while your vehicle is stationary while open for business.

Workers Compensation—It protects your employees with wages and medical benefits if they get ill or injured at work. This particular coverage will give you protection if:

  • An employee slips and falls on the job.
  • Employee suffers a job-related illnesses.
  • Employee incurs in medical care expenses, medication, and rehabilitation caused by an injury on the job.
  • Long-term or permanent disability payments.
  • Death benefits to family members of employees that experience a work-related death.

Orlando Truck Insurance is a full-service provider of Commercial Insurance products and services for Trucking and Commercial auto insurance. We invite you to review our programs: truck, public transportation, and commercial specialty auto. Orlando Truck Insurance has the products and underwriting experience to meet your insurance needs. As a recognized leader in the local trucking insurance industry, our parent company Garzor Insurance  specialized in serving “niche” or undeserved markets. Our proven, superior underwriting model creates flexibility to write unique coverage’s in a wide array of diverse industries.

To obtain a quote for Truck Insurance, call us at  (407) 203-7085 to speak with a truck insurance specialist. You may also fill out an online questionnaire and one of our staff members will contact you to complete your quote process.

We have the staff, the local experience and the customer service platform to walk you through your insurance coverage options and keep your business well protected. Again, call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist!

Hector Perez, Producer

Email Hector
Call 407-203-7085

Posted by: AT 03:49 pm   |  Permalink   |  Email
Sunday, January 23 2022
New Regulations May Be on The Horizon For Truck Drivers

Orlando, Fla.— Advocates for Highway and Auto Safety is an alliance of consumer, medical, public health, law enforcement, and safety groups and insurance companies and agents working together to improve road safety in the U.S. They propose legislative initiatives, analyze issues, conduct research, develop strategies, organize coalitions, testify before Congress and state legislatures, file technical comments on federal regulatory actions, prepare fact sheets and other publications including the annual Roadmap of State Highway Safety Laws, and educate the public.

Given the fact that no state has a perfect score on the Roadmap of State Highway Safety Laws, the safety group is urging Congress to enact numerous federal regulations to significantly improve highway safety.

Among those regulations are several mandates for large trucks that the trucking industry has opposed for years if not decades, like a mandates for speed limiters, underride guards and automatic brakes.

In May of 2021, the Owner-Operator Independent Drivers Association (OOIDA) opposed a speed limiter mandate, stating that decades of highway research show greater speed differentials increase interactions between truck drivers and other road users. This statement is backed by studies that have consistently demonstrated that increasing interactions between vehicles directly increases the likelihood of crashes.

Front and side underride guards, in OOIDA’s view, would not increase safety and there is lack of evidence of its safety benefits. They also consider it impractical and costly.

OOIDA also opposed another mandate in the highway bill related to the automatic braking expressing concerns about what they considered “imperfect” technology yet.

OOIDA stands strongly against a pilot program for teen truckers to drive interstate, questioning the need for an entirely new pilot program analyzing the performance of younger CMV drivers considering the agency is already conducting a comparable study. The Association claims  that there is clear data to substantiate the fact that younger drivers and inexperienced drivers crash more.

Other proposed 16 state traffic laws are described as follows:

  • Primary enforcement front seat belt law.
  • Primary enforcement rear seat belt law.
  • All-rider motorcycle helmet law.
  • Rear-facing child seats through age 2.
  • Booster seat law.
  • Minimum age 16 for learner’s permit.
  • Six-month holding period provision (teen drivers).
  • 50 hours of supervised driving provision (teen drivers).
  • Nighttime driving restriction (teen drivers).
  • Passenger restrictions (teen drivers).
  • Age 18 unrestricted license.
  • All-offender ignition interlocks.
  • Child endangerment law.
  • Open container law.
  • All-driver text messaging restriction.
  • Graduated Driver’s License phone restriction.

The Roadmap of State Highway Safety Laws has also been vocal about certain inclusions or omissions of certain provisions in the $1 trillion infrastructure bill which are related to trucking.

According to the organization, most states fall short of optimal safety, with the vast majority of states on a yellow or red rating based on a traffic light red/yellow/green rating.

States that are currently under a green rating include California, Delaware, Louisiana, Maine, New York, Oregon, Rhode Island and Washington, while more than 30 states are in yellow and 11 in the red ranges. Florida is among those 11. Other red rated states include Arizona, Missouri, Montana, Nebraska, New Hampshire, Ohio, South Dakota, Vermont, Virginia and Wyoming.

Achieving a perfect score nationwide, would require the enactment of 400 traffic safety laws, according to the Roadmap of State Highway Safety Laws.

Orlando Truck Insurance is a full-service provider of Commercial Insurance products and services for Trucking and Commercial auto insurance. We invite you to review our programs: truck, public transportation, and commercial specialty auto. Orlando Truck Insurance has the products and underwriting experience to meet your insurance needs. As a recognized leader in the local trucking insurance industry, our parent company Garzor Insurance  specialized in serving “niche” or undeserved markets. Our proven, superior underwriting model creates flexibility to write unique coverage’s in a wide array of diverse industries.

To obtain a quote for Truck Insurance, call us at  (407) 203-7085 to speak with a truck insurance specialist. You may also fill out an online questionnaire and one of our staff members will contact you to complete your quote process.

We have the staff, the local experience and the customer service platform to walk you through your insurance coverage options and keep your business well protected. Again, call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist!

Diana Munoz - Licensed Agent

Email Diana

Posted by: AT 01:40 pm   |  Permalink   |  Email
Sunday, December 12 2021
Truck Driving Safety During the Winter

Orlando, Fla.—While everybody is enjoying the holidays, possibly having found everything, or almost everything on their list for the season— our truck drivers are on the road making dreams possible day after day. With their level of commitment, they face numerous challenges throughout their routes.

Winter is one of those times of the year when truck drivers can face weather conditions that can be either naughty or nice. Roads can become slick, which can pose a real threat to your safety.

When ice and snow hit, it is important to be careful when the road conditions start to worsen.

The following are a few tips to remain safe while on duty:

Checking the Weather

Weather can change easily from one location to the next. That means, that you may be in the middle of fair weather conditions right now, but in just a few hours you may encounter a complete snowstorm. You should always map out your route ahead, and plan accordingly, including the amount of time you may be stuck due to bad weather.

Truck Inspection

Your pre-trip truck inspection must include:

  • Tire pressure— Low tire pressure can lead to an inability to control your truck on a slippery road.
  • Lights clean of ice and snow— Low visibility is a major cause of accidents, it is very important to be able see clearly with your lights.
  • Ice on your steps— Make sure to run your foot along your top step so you don’t slip and fall each time you get out of the truck.

Also, you should have these items in your truck at all times:

  • Extra food and water.
  • A coat, gloves, hat and other winter protective gear.
  • A phone charger and batteries/chargers for other electronic devices.
  • A tank full of gas – full tanks can give your truck extra weight and help you maintain your footing on ice.
  • Chains for your tires.

Be mindful of your speed—Decrease your speed as soon as road conditions worsen. When accelerating, do it slowly to prevent from sliding, never set your cruise control when the roads are poor. If you skid don’t slam on the brakes, as this can cause them to lock and can cause the trailer to jackknife. Instead, pump the brakes slowly and shift the truck to neutral, then try to guide the truck back to the direction it needs to go.

Bridges and exit ramps can oftentimes become trouble spots, and black ice can be a prominent problem, so drive as though there could be ice at any point.

If you have no other option but to stay stuck where you are, know that you should avoid to park on the side of the road because other cars or trucks on the road could easily slide into you. If you must stop on the side of the road, make your presence clear with emergency triangles, cones and flashers to show others where you are.

Last but not least, it is very important to be aware of your truck insurance coverage, and contact information on hand.

Orlando Truck Insurance is a full-service provider of Commercial Insurance products and services for Trucking and Commercial auto insurance. We invite you to review our programs: truck, public transportation, and commercial specialty auto. Orlando Truck Insurance has the products and underwriting experience to meet your insurance needs. As a recognized leader in the local trucking insurance industry, our parent company  Garzor Insurance  specialized in serving “niche” or undeserved markets. Our proven, superior underwriting model creates flexibility to write unique coverage’s in a wide array of diverse industries.

To obtain a quote for Truck Insurance, call us at  (407) 203-7085 to speak with a truck insurance specialist. You may also fill out an online questionnaire and one of our staff members will contact you to complete your quote process.

We have the staff, the local experience and the customer service platform to walk you through your insurance coverage options and keep your business well protected. Again, call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist. We are in this together!

Oscar Pacheco - Licensed Agent

Email Oscar

Posted by: AT 07:20 pm   |  Permalink   |  Email
Thursday, December 02 2021
How Has Truck Driving Changed?

Orlando, Fla.—In the late ‘70s, most truckers had sizable paychecks, reasonable hours, and even political clout. Nowadays, a truck driver may need to deal with more paperwork than an average accountant or lawyer. They face constant challenges, added to the lack of space to safely park their rigs.  Cases in court due a lawsuit, involving depositions and testimony can drag on for months, and can be appealed.

One of the things that’s changed in the trucking industry since the ‘70s—in addition to the decline of unions—is the rise of independent contracting. Things began to change when Jimmy Carter started to deregulate the industry in the late 1970s. Under regulation, competition was limited and common rates were set, and all but agricultural products required federal authority to haul. Deregulation, created intense competition.

Contracting, was then presented to drivers as a promise of great salaries and greater control, but working as a driver is harder than those outside the industry likely appreciate. They drive a vehicle that has to be climbed up into, and start working when the sun comes up until it goes down, having driven hundreds of miles in the meantime. There are no bosses, and no office politics—it’s like being a modern-day cowboy. But for one thing, they are able to enjoy the most amazing views from their office window.

Different states have different laws surrounding trucking liability and cargo - to say nothing of shipping between the US and Canada or Mexico. Carrying loads across any sort of border can be a challenge.  Accidents in other states than their own often have different laws and requirements — even different regulations about their ability to receive compensation for an injury. Truck drivers have an image of relaxed affability, but that’s put to the test in today’s environment of strict regulations and monitoring.

At Orlando Truck Insurance, we can provide you with affordable truckers coverage for most commercial truck and tractor trailer combinations. Choosing the right types of commercial auto insurance protects you from having to pay for repairs or medical bills caused by an accident, and most importantly is can protect you against uninsured drivers.

Orlando Truck Insurance is a full-service provider of Commercial Insurance products and services for Trucking and Commercial auto insurance. We invite you to review our programs: truck, public transportation, and commercial specialty auto. Orlando Truck Insurance has the products and underwriting experience to meet your insurance needs. As a recognized leader in the local trucking insurance industry, our parent company  Garzor Insurance  specialized in serving “niche” or undeserved markets. Our proven, superior underwriting model creates flexibility to write unique coverage’s in a wide array of diverse industries.

To obtain a quote for Truck Insurance, call us at  (407) 203-7085 to speak with a truck insurance specialist. You may also fill out an online questionnaire and one of our staff members will contact you to complete your quote process.

We have the staff, the local experience and the customer service platform to walk you through your insurance coverage options and keep your business well protected. Again, call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist. We are in this together!

Hector Perez, Producer

Email Hector
Call 407-203-7085

Posted by: AT 01:53 pm   |  Permalink   |  Email
Wednesday, October 27 2021
Florida Receives a 2021 National Roadway Safety Award

Way to go Florida! Safety in the roadway is paramount for all, businesses, customers, and the wellbeing of our entire community. We have great news to share this year regarding the fact that the Florida Department of Transportation (FDOT) received a 2021 National Roadway Safety Award for the successful use of advanced technologies to improve safety in arterial roadway work zones, demonstrably slowing down drivers and improving driver behavior. FDOT also received a National Roadway Safety Award Honorable Mention for the successful transition from in-person training to online virtual webinars, helping enhance the skills and knowledge of Florida’s transportation workforce on a wide variety of  roadway safety issues.  

Active Work Zone Awareness Devices (AWADs) employ radar combined with flashing LED signs that warn drivers of an upcoming active work zone for arterial roads. These devices indicate travel speed and display safety "active work zone when flashing, and speeding fines doubled" signage. Additionally, FDOT linked the AWADs to drivers using the Waze navigation app. The initiative's significant results on an average of over six pilot implementation sites include decreasing speeds entering arterial work zones by 10.6 percent, increasing safe driving behavior by 39 percent, and reducing risky driving by 34 percent. 

The panelists evaluated the National Roadway Safety Awards projects based on three criteria: Effectiveness, Innovation, and Efficient Use of Resources. The program honors outstanding projects involving infrastructure, operational or program-related innovations. Winners were selected by an expert panel of judges from a variety of disciplines.

Of the nationwide applicants, the other six winners included:

  • Texas Dept. of Transportation’s tool to assess the safety of rural highway design elements;
  • City of Bellevue, WA for its video analytics traffic safety program;
  • Broward Metropolitan Planning Organization for its Complete Streets Master Plan;
  • North Carolina Dept. of Transportation for its long-life pavement markings safety effort;
  • Village of Whitefish Bay, WI for its community-wide roadway safety improvements, and;
  • California Dept. of Transportation for its 2020-2024 Strategic Highway Safety Plan update

In addition, each year, FDOT develops the Five-Year Work Program, an ongoing process used to allocate funds for priority transportation projects for the next five years. The Work Program is based on the best available forecasts of project costs and funding, ensuring that FDOT has the financial capacity to implement planned projects. This robust process is essential to stabilize the Work Program and help maintain Florida’s transportation system for our residents, businesses, and visitors.

Public participation is a critical component of this process. Each fall, as FDOT begins developing next year’s Five-Year Work Program, the public is provided with the opportunity to participate and comment. The statewide website offers the public the following:

  • Overview of the work program adoption process
  • A video providing an overview of the Five-Year Work Program
  • Link to the district work program pages that provides access to the draft work program public hearing reports
  • Link to a GIS interactive map on FDOT’s public notices website displaying projects being considered
  • Frequently asked questions (FAQs)
  • Link to GIS map showing active construction projects

Orlando Truck Insurance is a full-service provider of Commercial Insurance products and services for Trucking and Commercial auto insurance. We invite you to review our programs: truck, public transportation, and commercial specialty auto. Orlando Truck Insurance has the products and underwriting experience to meet your insurance needs. As a recognized leader in the local trucking insurance industry, our parent company Garzor Insurance  specialized in serving “niche” or undeserved markets. Our proven, superior underwriting model creates flexibility to write unique coverage’s in a wide array of diverse industries.

We have the staff, the local experience and the customer service platform to walk you through your insurance coverage options and keep your business well protected. Again, call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist. We are in this together!

Oscar Pacheco - Licensed Agent

Email Oscar

Posted by: AT 12:33 pm   |  Permalink   |  Email
Thursday, September 16 2021
Preparing For An ELD Roadside Inspection

Orlando, Fla.—The Electronic Logging Device rule requires its use for commercial drivers who are required to prepare hours-of-service (HOS) records of duty status (RODS). The Commercial Motor Vehicle Safety Enactment Act from July 6 of 2012, calls for the Secretary of Transportation to adopt regulations requiring ELD use in commercial motor vehicles (CMVs) involved in interstate commerce, when operated by drivers who are required to keep records of duty status.

As of December 18, 2017, a driver using an ELD must have an ELD information packet onboard the commercial motor vehicle (CMV) containing the following items:

  • A user's manual for the driver describing how to operate the ELD;
  • An instruction sheet describing the data transfer mechanisms supported by the ELD and step-by-step instructions to produce and transfer the driver's hours-of-service records to an authorized safety official;
  • An instruction sheet for the driver describing ELD malfunction reporting requirements and record keeping procedures during ELD malfunctions; and
  • A supply of blank driver's records of duty status (RODS) graph-grids sufficient to record the driver's duty status and other related information for a minimum of 8 days.
  • Prior to December 18, 2017, FMCSA recommends that drivers have the user's manual, malfunction instruction sheet, and graph-grids.

According to information provided in the ELD Rule section 395.22(g)— a  driver may use a portable ELD. It must be mounted in a fixed position during commercial motor vehicle (CMV) operation, and visible to the driver from a normal seated driving position. Also, an ELD can be on a smartphone or other wireless device if the device meets the ELD rule's technical specifications.

The motor carrier is responsible for checking that their device is registered. This includes checking both the registration and revocation list periodically.

ELD record of duty status (RODS) data and back-up data must be retained for six months. The back-up copy of ELD records must be maintained on a device separate from that where original data are stored. Additionally, a motor carrier must retain a driver's ELD records in a manner that protects driver privacy. The FMCSA will not retain any ELD data unless there is a violation.

In order to reflect a status record of duty for the previous 7 days, the driver can either:

  1. print out their hours-of-service from the other motor carrier;
  2. if operating with compatible devices, the ELD data can be transferred between the motor carriers with the driver's approval;
  3. or manually add the hours of service while operating for that motor carrier into the current ELD using the editing and annotation functions of the ELD. Documents such as:

Keep in mind that some supporting documents will be required in order to verify on-duty not driving time also known as ODND.

  • Bills of lading, itineraries, schedules, or equivalent documents that indicate the origin and destination of each trip.
  • Dispatch records, trip records, or equivalent documents.
  • Expense receipts.
  • Electronic mobile communication records, reflecting communications transmitted through a fleet management system (FMS) (the record is counted as one document).
  • Payroll records, settlement sheets, or equivalent documents that indicates payment to a driver.

Orlando Truck Insurance is a full-service provider of Commercial Insurance products and services for Trucking and Commercial auto insurance. We invite you to review our programs: truck, public transportation, and commercial specialty auto. Orlando Truck Insurance has the products and underwriting experience to meet your insurance needs. As a recognized leader in the local trucking insurance industry, our parent company Garzor Insurance  specialized in serving “niche” or undeserved markets. Our proven, superior underwriting model creates flexibility to write unique coverage’s in a wide array of diverse industries.

We have the staff, the local experience and the customer service platform to walk you through your insurance coverage options and keep your business well protected. Again, call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist. We are in this together!

Diana Munoz - Licensed Agent

Email Diana

Posted by: AT 12:24 pm   |  Permalink   |  Email
Friday, August 20 2021
Reminder Of The Heavy Highway Vehicle Use Tax Return

Orlando, Fla.—As you may be aware of, the deadline to submit your Heavy Highway Vehicle Use Tax Return (HVUT) is this upcoming, August 31st. If you have vehicles with a combined gross weight of 55,000 pounds or more, the IRS requires you to file it annually.

You will need the IRS Form 2290, also called the Heavy Vehicle Excise Tax or HVUT which is an annual US Federal Tax assessed on a number of vehicles which operate or intend to operate on US public highways. It is an excise tax assessed on vehicles with a gross weight of 55,000 lbs and more that use public highways. Tax form 2290 must be filed according to the rules established by the Internal Revenue Service. Failure to meet the HVUT deadline could put your vehicles at risk of being placed out of service.

Use Form 2290 to:

  • Figure and pay the tax due on highway motor vehicles used during the period with a taxable gross weight of 55,000 pounds or more;
  • Figure and pay the tax due on a vehicle for which you completed the suspension statement on another Form 2290 if that vehicle later exceeded the mileage use limit during the period;
  • Figure and pay the tax due if, during the period, the taxable gross weight of a vehicle increases and the vehicle falls into a new category;
  • Claim suspension from the tax when a vehicle is expected to be used 5,000 miles or less (7,500 miles or less for agricultural vehicles) during the period;
  • Claim a credit for tax paid on vehicles that were destroyed, stolen, sold, or used 5,000 miles or less (7,500 miles or less for agricultural vehicles);
  • Report acquisition of a used taxable vehicle for which the tax has been suspended;
  • Figure and pay the tax due on a used taxable vehicle acquired and used during the period.

 Also, there is a mileage use limit— which is 5,000 miles or less (7,500 miles or less for agricultural vehicles). This mileage use limit applies to the total mileage a vehicle is used during a period, regardless of the number of owners. If your vehicle qualifies for this mileage use limit you can file for a suspension of payment on your form 2290 Heavy Vehicle Use Tax Return.

Just as important as it is to file your taxes on due date, it is also important to keep your vehicles and commercial equipment well protected with the right insurance coverage for the type of business that you run.

Orlando Truck Insurance is a full-service provider of Commercial Insurance products and services for Trucking and Commercial auto insurance. We invite you to review our programs: truck, public transportation, and commercial specialty auto. Orlando Truck Insurance has the products and underwriting experience to meet your insurance needs. As a recognized leader in the local trucking insurance industry, our parent company Garzor Insurance  specialized in serving “niche” or undeserved markets. Our proven, superior underwriting model creates flexibility to write unique coverage’s in a wide array of diverse industries.

We have the staff, the local experience and the customer service platform to walk you through your insurance coverage options and keep your business well protected. Again, call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist. We are in this together!

Oscar Pacheco - Licensed Agent

Email Oscar

Posted by: AT 02:54 pm   |  Permalink   |  Email
Wednesday, July 28 2021
Why Florida is Keeping Semi-Trucks Out Of The Left Lane

Orlando, Fla.—In Florida, commercial motor vehicles (CMV), including large trucks and buses, have operating limitations such as large blind spots, long stopping distances, and limited maneuverability that make it essential for other road users to put extra focus on safety, the most recent one is the Left Lane Restriction.

The current truck lane criterion in Florida includes 6-lane interstate freeways primarily consisting of rural interstate sections. Trucks are restricted from the left or inside travel lane, leaving it specifically for automobile traffic. Tour buses and recreational vehicles (RVs) are not considered commercial trucks and are allowed to travel in the left or inside travel lane.

Tour buses and recreational vehicles (RVs) are not considered commercial trucks and are allowed to travel in the left or inside travel lane.

Troopers are out and looking for truck lane violations with a minimum fine of $120 and three points assessed to the CDL (Commercial Driver License).

Some of the reasons include:

  • Since lane changes are a major cause of collisions, truck lane restrictions improve safety and reduce congestion.

  • If you see sign shown above, move over.
  • Limiting trucks from the inside lane on designated portions of the highway results in reduced incidents and crashes.
  • Truck lane restrictions work to reduce congestion and save lives, without adversely affecting travel speed.
  • When those driving large trucks see a No Trucks Left Lane sign, they must move over and remain in the right lane if pulled over you could receive a fine. When you see the sign “No Trucks in the Left Lane”, stay in the right lane. A lane restriction violation affects a carrier CSA score.
  • No Truck Left Lane applies to industrial and commercial trucks BUT the left lane is not meant for cruising for any motorist. The left lane should be used for passing, traffic build-up and allowing emergency vehicles to pass.
  • On multi-lane streets, roads and highways drivers must drive in the right-hand lanes to prevent impeding the flow of traffic resulting in dangerous driving situations. Drive in the right lane and pass on the left.
  • Remember: if you can’t see the truck driver, he can’t see you. Trucks have blind spots on all sides that make it hard to see you. Take care to pass trucks slowly and cautiously, on the left side for maximum visibility.
  • When a truck passes you, keep to the right side of your lane. Do not speed up while the truck is passing you. Share the road with big trucks so everyone can arrive safely at their destinations!
  • Weaving and gapping during passing with automobile and truck traffic is one of the many hazards present on a highway. Limiting truck traffic in the inside lane reduces the weave/gap maneuvers during passing and results in reduced vehicular incidents and crashes.

Orlando Truck Insurance is a full-service provider of Commercial Insurance products and services for Trucking and Commercial auto insurance. We invite you to review our programs: truck, public transportation, and commercial specialty auto. Orlando Truck Insurance has the products and underwriting experience to meet your insurance needs. As a recognized leader in the local trucking insurance industry, our parent company  Garzor Insurance  specialized in serving “niche” or undeserved markets. Our proven, superior underwriting model creates flexibility to write unique coverage’s in a wide array of diverse industries.

We have the staff, the local experience and the customer service platform to walk you through your insurance coverage options and keep your business well protected. Again, call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist. We are in this together!

Posted by: AT 08:52 pm   |  Permalink   |  Email
Wednesday, June 30 2021
Primary Liability vs. General Liability in Truck Insurance

Orlando, Fla.— So, what is commercial truck insurance? It is a group of insurance auto policies created to cover the needs of the trucking industry.

There is a big difference between primary liability and general liability. If you want insurance to be able to drive, the primary liability coverage is what you may need. This type of insurance will only cover the damage to another vehicle or to a person in the event of an accident, that way at least the public is protected. All trucks require at least $750,000 in insurance coverage.

Now, in order to get your trucks out there in roads, then you will need general liability. The general liability offers additional protection in cases of lawsuits or a libel/slander/false advertising claim against your business.

In other words, if you drive on your own as an independent truck driver, what you may need is a primary liability insurance, but if you are an owner/operator of a trucking business with a vision to expand you will need general liability coverage. The Federal Motor Carrier Safety Administration (FMCSA) might require certain trucking operations (for example, those that haul cars) to show proof of adequate general liability coverage. Drivers have to prove they have a minimum of primary truck insurance to be approved by the FMCSA. Leasing agreements for the trucks might also require proof of general liability truck insurance.

Is a commercial auto policy good enough to protect my trucking operation? Truck drivers face day-to-day risks than cars/vans, and for-hire truckers need truck insurance, otherwise, truck drivers might find themselves vastly under-insured under a commercial auto plan (or unable to get behind the wheel at all).

At Orlando Truck Insurance, we can provide you with affordable truckers coverage for most commercial truck and tractor trailer combinations. Choosing the right types of commercial auto insurance protects you from having to pay for repairs or medical bills caused by an accident, and most importantly is can protect you against uninsured drivers.

Orlando Truck Insurance is a full-service provider of Commercial Insurance products and services for Trucking and Commercial auto insurance. We invite you to review our programs: truck, public transportation, and commercial specialty auto. Orlando Truck Insurance has the products and underwriting experience to meet your insurance needs. As a recognized leader in the local trucking insurance industry, our parent company  Garzor Insurance  specialized in serving “niche” or undeserved markets. Our proven, superior underwriting model creates flexibility to write unique coverage’s in a wide array of diverse industries.

To obtain a quote for Truck Insurance, call us at  (407) 203-7085 to speak with a truck insurance specialist. You may also fill out an online questionnaire and one of our staff members will contact you to complete your quote process.

We have the staff, the local experience and the customer service platform to walk you through your insurance coverage options and keep your business well protected. Again, call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist. We are in this together!

Diana Munoz - Licensed Agent

Email Diana

Posted by: AT 07:12 pm   |  Permalink   |  Email
Wednesday, May 26 2021
Trucking in Hot Weather Conditions

Orlando, Fla.—Driving in hot weather is not always easy, and it can take a toll on driver and truck. With the upcoming official arrival of summer in June 21, being on the open road makes you susceptible to the tricks of the heat caused by the heat sun. Any extreme weather condition can make for difficult driving conditions for the men and women who spend their days behind the wheel. Hot weather trucking can be particularly taxing.

You better learn how to stay safe in the heat

First, when the sun is hot, so is the cab of your truck. According to a study conducted by the University of San Francisco, where they monitored temperature every 10 minutes on an enclosed vehicle, and found that after 10 minutes, the temperature rose 19 degrees. By 20 minutes, there was a 29-degree rise, and by 60 minutes, the temperature in the vehicle rose 43 degrees. The study proved that it only takes a few minutes for an enclosed vehicle’s temperature to reach deadly levels.

Hydrate Yourself

Truckers who are on the go a lot, even if they are regional truckers, need to stay hydrated throughout the day, but especially during the hot months of the summertime. 

Dehydration is a serious concern for summer truckers, and it can be detrimental to a person.

Protect Your Truck’s Engine

You must check the engine oil and coolant regularly. Oil keeps your truck’s engine cool and lubricates it to help its parts run smoothly. Otherwise, the engine can overheat and cause serious damage to the truck. Coolant is also very important to keep your engine in good condition during the summer months.

Air Conditioning Maintenance

Keeping an eye on various components regularly like the antifreeze levels and more can help the A/C system to remain in good working condition throughout the hot months. If the antifreeze is ever turned off in a truck or it is low, then the air conditioning system will not be able to operate at all. This is very important for keeping yourself cool during the summer.

Take Breaks

Getting out of your truck just a few times on your travels can help keep you cooler than before. While most truckers are put on strict schedules, it is also possible to take just a few breaks here and there throughout the ride. Regional truckers especially can take advantage of food and restroom breaks. They can give you a few minutes in the cool air outside of the truck, and it is also a good time to stretch for the remainder of the trip.

Don’t Forget to Wear Sun Screen

Remember, the sun poses special challenges for truck drivers.

Orlando Truck Insurance is a full-service provider of Commercial Insurance products and services for Trucking and Commercial auto insurance. We invite you to review our programs: truck, public transportation, and commercial specialty auto. Orlando Truck Insurance has the products and underwriting experience to meet your insurance needs. As a recognized leader in the local trucking insurance industry, our parent company  Garzor Insurance  specialized in serving “niche” or undeserved markets. Our proven, superior underwriting model creates flexibility to write unique coverage’s in a wide array of diverse industries.

To obtain a quote for Truck Insurance, call us at  (407) 203-7085 to speak with a truck insurance specialist. You may also fill out an online questionnaire and one of our staff members will contact you to complete your quote process.

We have the staff, the local experience and the customer service platform to walk you through your insurance coverage options and keep your business well protected. Again, call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist. We are in this together!

Oscar Pacheco - Licensed Agent

Email Oscar

Posted by: AT 10:46 am   |  Permalink   |  Email
Thursday, April 22 2021
Moving Companies Are About To Experience Their Peak

Orlando, Fla.—The peak moving season occurs in the summer, with 80% of all moves in the United States occurring  between April and September.

As interesting as it gets, the pandemic raised the possibility that more workers could move anywhere, potentially scrambling the map of booming and declining places in the American economy.  It turns out to be a big deal. New data shows that it appears to have shifted a large flow of urban residents out of New York and San Francisco, both well known for the kinds of jobs that can be done remotely. According to the US Postal Service, about 30 million change-of-address requests show that aside from the known areas,  it is also a combination of  some smaller regional metro areas and vacation hubs the ones that are being most benefited. The census will start to release data later this spring that will tell a more definitive story about population and migration shifts during the pandemic, although with a time lag. So, in the meantime, the US Postal Service data gives us some of our best insight, spanning the whole country, down to the ZIP code level.

As a moving company you own trucks, and regardless of whether your company 18 wheelers drive across country or serve just a few states in the region, the right types of commercial auto insurance are crucial for protecting your assets. These trucks are the lifeblood of your company.

Choosing the right types of commercial auto insurance protects you from having to pay for repairs or medical bills caused by an accident, and most importantly is can protect you against uninsured drivers. 

Orlando Truck Insurance is a full-service provider of Commercial Insurance products and services for Trucking and Commercial auto insurance. We invite you to review our programs: truck, public transportation, and commercial specialty auto. Orlando Truck Insurance has the products and underwriting experience to meet your insurance needs. As a recognized leader in the local trucking insurance industry, our parent company  Garzor Insurance  specialized in serving “niche” or undeserved markets. Our proven, superior underwriting model creates flexibility to write unique coverage’s in a wide array of diverse industries.

Our goal is to provide professional insurance sales and service to Florida residents and businesses. Based in Orlando, Florida— our experienced insurance agents want to make every interaction a positive experience for our customers. As an independent insurance agency, our duty is to our clients’ best interests. As your insurance agents, our responsibility is to provide you the best service and the best coverage, at the best possible price.

To obtain a quote for Truck Insurance, call us at  (407) 203-7085 to speak with a truck insurance specialist. You may also fill out an online questionnaire and one of our staff members will contact you to complete your quote process.

We have the staff, the local experience and the customer service platform to help you walk through your insurance coverage options to keep your business well protected. Again, call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist. We are in this together!

Diana Munoz - Licensed Agent

Diana Munoz - Licensed Agent

Email Diana

Posted by: AT 07:54 pm   |  Permalink   |  Email
Thursday, March 25 2021
Florida Hours of Service Rules for Truck Drivers

Orlando, Fla.—The Hours of Service regulations are issued by the Federal Motor Carrier Safety Administration and govern the working hours that drivers can operate commercial motor vehicles.  

Section 316.302, Florida Statutes provides these hours for a person who operates a commercial motor vehicle solely in intrastate commerce.

  • Driver may drive 12 hours after 10 consecutive hours off duty.
  • Driver may not drive after 16th hour after coming on duty following 10 consecutive hours off duty.
  • Driver may not drive after 70/80 hours on duty in 7/8 consecutive days. 34 consecutive hours off constitutes end of 7/8 day period.
  • Drivers who do not exceed 150 air mile radius and no placarded haz mat are exempt from maintaining a log book. 
  • Drivers not released from duty within 12 hours must document driving time.

On June 1, 2020, the Federal Motor Carrier Safety Administration revised four provisions of the hours of service regulations to provide greater flexibility for drivers without adversely affecting safety.

Here’s what changed

Short-haul Exception

Expands the short-haul exception to 150 air-miles and allows a 14-hour work shift to take place as part of the exception.

Adverse Driving Conditions Exception

Expands the driving window during adverse driving conditions by up to an additional 2 hours.

30-Minute Break Requirement

Requires break of at least 30 consecutive minutes after 8 cumulative hours of driving time (instead of on-duty time) and allows an on-duty/not driving period to qualify as the required break.

Sleeper Berth Provision

Modifies the sleeper berth exception to allow a driver to meet the 10-hour minimum off-duty requirement by spending at least 7 hours of that period in the berth combined with a minimum off-duty period of at least 2 hours spent inside or outside the berth, provided the two periods total at least 10 hours. When used together as specified, neither qualify period counts against the 14-hour driving window.

Before the ELD mandate (electronic logging devices), drivers used to record their hours of service on paper, and editing the records was possible. Now, after the implementation of the ELD mandate, drivers have to be very mindful of their available hours of service rules.

The U.S. Department of Transportation calls sleep-deprivation a leading factor in fatal commercial vehicle accidents, which results in several deaths every year.

At Orlando Truck Insurance, our goal is to provide professional insurance sales and service to Florida residents and businesses. Based in Orlando, Florida— our experienced insurance agents want to make every interaction a positive experience for our customers. As an independent insurance agency, our duty is to our clients’ best interests. As your insurance agents, our responsibility is to provide you the best service and the best coverage, at the best possible price.

We have the staff, the local experience and the customer service platform to help you walk through your insurance coverage options to keep your business well protected. Call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist. We are in this together!

Hector Perez, Producer

Email Hector
Call 407-203-7085

Posted by: AT 08:27 am   |  Permalink   |  Email
Monday, March 01 2021
Why Truck Inspections Matter So Much

Orlando, Fla.—The Department of Transportation (DOT) conducts annual inspections of commercial motor vehicles, as well as the truck drivers, to ensure highway safety.  

Some things they will look at include:

  • CDLs
  • Seat belts
  • Medical cards
  • ELD compliance
  • Records of duty status

US DOT violation of any kind can result in the revocation of driver privileges. This will be in place until special conditions are met. US DOT violation of any kind can result in the revocation of driver privileges. Vehicle inspections and truck maintenance can also help you control costs and keep drivers safe on the road. 

A properly executed vehicle inspection can help your drivers:

  • Discover unsafe conditions before they cause accidents or crashes.
  • Find mechanical problems before they lead to costly breakdowns.
  • Avoid being placed out of service during a DOT roadside inspection, or being subject to infractions and fines.

How can a carrier meet the annual inspection requirements?

Federal safety regulations require that commercial motor vehicles operating in interstate or foreign commerce must pass an inspection at least annually. The inspection requirements may be met through periodic inspection programs administered by the states, by a self–inspection, or an inspection performed by a commercial garage or similar commercial business so long as the inspection complies with federal standards or compatible state standards.

Who is qualified to conduct a self-inspection for an annual inspection?

A motor carrier self–inspection must be undertaken by a qualified inspector, whether the inspector works directly for the carrier or a third party, such as a truck stop, repair shop, or an inspection business. The inspector qualification requirements can be found in §396.19. Evidence of the inspector's qualifications must be documented. The annual inspection report must be retained for 14 months.

Is a pre-trip inspection required?

The federal safety regulations require the driver to be “satisfied” that basic parts and accessories are available and "in good working order" prior to driving the vehicle. Although not required to be in writing, this pre-driving determination must include specific parts and accessories. The driver must also ensure that all cargo and vehicle components are properly distributed and/or secured. Also, when available, the driver must review the last driver’s vehicle inspection report (DVIR) and sign it if defects or deficiencies were reported.

Safety is of paramount importance, and when it comes to protecting your investment, cargo, or your business from the many liabilities that come with the job, there is Orlando Truck Insurance right by your side.

At Orlando Truck Insurance, our goal is to provide professional insurance sales and service to Florida residents and businesses. Based in Orlando, Florida— our experienced insurance agents want to make every interaction a positive experience for our customers. As an independent insurance agency, our duty is to our clients’ best interests. As your insurance agents, our responsibility is to provide you the best service and the best coverage, at the best possible price.

We have the staff, the local experience and the customer service platform to help you walk through your insurance coverage options to keep your business well protected. Call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist. We are in this together!

Diana Munoz - Licensed Agent

Email Diana

Posted by: AT 01:05 pm   |  Permalink   |  Email
 

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Orlando Truck Insurance

9601 Recycle Center Rd

Orlando, Fl 32824

Phone: (407) 203-7085
Fax: (321) 251-7720

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Hours of Operation:
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Orlando Truck Insurance offer Truck Insurance for the following operations: Agricultural Haulers, Auto Haulers, Bulk Hoppers, Dry Vans, Dirt/Sand/Gravel, Flat Bed, Grain Haulers, Heavy Haulers, Hazmat, Hotshot. Intermodal, Livestock / Cattle, Loggers, LTL, Milk Haulers, Oilfield, Refrigerated Goods, Steel Haulers, Tankers, Towing, Local, Long-haul, Intermediate

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