As a Florida-based agency headquartered in Orlando, Garzor Insurance understands Florida's unique insurance landscape — from hurricane-prone coastal exposures to the booming I-4 corridor construction market. We've been protecting Florida businesses for 18 years, with deep expertise in trucking, commercial auto, contractors, and residential property insurance across all 67 counties.
Why Florida is different
Headquartered in Orlando — local expertise across all 67 Florida counties
Specialized in Florida wind and hurricane coverage for commercial properties
Florida-specific workers' comp through FCCI, Employers, and AmTrust
DOT and FMCSA filing specialists for Florida motor carriers
Bilingual advisors (English & Spanish) for Florida's diverse business community
Same-day COIs and fast-turnaround certificates for Florida contractors
Why Garzor Insurance
18 years serving Florida businesses from our Orlando headquarters
4.9/5 Google rating with 1,200+ verified reviews
In-house claims advocacy — we fight for your claim, not the carrier's
FL-specific carriers like Citizens, Florida Peninsula, Universal, Heritage
Competitive wind/hail deductibles that many agencies can't offer
Regulatory notes
Florida requires workers' compensation for businesses with 4+ employees (construction: 1+ employee). Commercial auto liability minimums are $10,000/$20,000/$10,000 for standard, but most contracts require $1M CSL. Florida is a no-fault state requiring PIP coverage on all auto policies.