The gig economy is changing the way we earn money. Anyone with a skill and a bit of self-motivation can make a living doing a variety of tasks on their own schedule. The Zot Insurance Agency wants to help you make the most of your freelance career in the Davie, FL area. Commercial liability insurance is an important part of that.

How can these policies protect independent contractors in the gig economy?

• As an independent contractor, you are solely responsible for the results of your actions. If one of your direct-sales products makes someone sick, you could be held liable for medical payments and restitution. Your commercial general liability policy would help you pay for legal defense and defray the impact of any court-ordered costs.
• If you cause an injury or accident while doing work for another business, your client could be held liable for your actions. This could mean bad news for the future of your business. An active liability policy protects your client as well. In some industries, potential clients are more willing to hire contractors with liability coverage, since they know they’re covered too.
• Many gig workers engage in multiple money-making activities to make ends meet. Whether you’re stocking shelves for a major brand distributor or crafting handmade jewelry in your garage, your liability coverage will protect you. You won’t need a different policy for each of your roles. However, you may need additional coverage if you drive professionally. 

The experts at the Zot Insurance Agency helps gig workers in the Davie, FL area safeguard the assets they work so hard to build. Let our agents assess your insurance needs and personalize a general liability policy for you. Contact us today to get started whether you live in Florida, Georgia, South Carolina, North Carolina, Tennessee, Alabama, or Texas.

In Davie, FL, owner/operators who drive big rigs for a living can find all the answers they need to important insurance questions by calling Zot Insurance Agency. Over the road trucking and even local route drivers enjoy an exciting career that has many opportunities for advancement. Buying your own tractor and trailer is a huge move upward. It also carries a lot of financial responsibility.

Truck and Auto Coverage

Just like any other vehicle on the road, as an owner/operator, you must carry the appropriate amount of insurance for your type of vehicle. As a vehicle, your tractor must be in compliance at all times with the amount of coverage required by the state of Florida, as well as any other states you may drive through as part of your everyday route. If you want to know the different types of coverage that are available for owner/operators, you need to talk to a licensed insurance agent. 

Business and Liability Coverage

Your rig is your office. It’s how you make your money and what you rely on to do your job successfully. This means you may want to look into various types of business and liability insurance to make sure you are fully protected if an accident occurs. This type of insurance protects your business from financial loss from either a traffic accident or a mishap that occurs with the load you are transporting.

The agents of Zot Insurance Agency are always available to answer any questions you may have concerning ownership of a trucking business. If you live in or near Davie, FL, call the agents today to schedule a consultation and find the answers you need to make an informed choice. We offer insurance solutions to those in Florida, Georgia, South Carolina, North Carolina, Tennessee, Alabama, and Texas.

As a business owner in Davie, FL, you have probably heard something about commercial insurance and how important it is to have. However, you are probably also wondering if it is the right thing for your business and if you should put any money towards it. Here at Zot Insurance Agency, we want to make sure you are fully protected in every way. 

How to Know if You Need Commercial Insurance

No matter what kind of business you are running, you need to have a commercial insurance policy. If you are wondering if your business should have a commercial insurance policy, the answer is yes. The beauty of a commercial insurance policy is that it is unique to every business. That means that you do not need to get a policy that does not work for your business. In fact, it should be made to meet all of the needs of your business. You can get a commercial insurance policy that can cover all kinds of things such as workers compensation for your employees, coverage for your building, machinery, and even proprietary information. It can even protect you from your employees in case one of them tries to go rogue. No matter what your specific needs are, you can get exactly what you need, and you can continue to protect your business from all kinds of outside factors. 

As you can see, a commercial insurance policy is one of the best things that you can get to protect your business, no matter what industry or type of business that you have. You can get a policy that meets all of your needs. If you do not already have one in place, be sure to reach out to us here at Zot Insurance Agency, serving Davie, FL, today. We can get you a free quote and can make sure that the policy you get fits within your budget.