This page sets out the full legal disclosures that govern melbournetruckinsurance.com (the "Site"), including the relationship between the Site operator and the licensed insurance agency that places coverage for our visitors.
1. Site Operator
The Site is owned, operated, and maintained by Yellow Spot Services, LLC, a Florida limited liability company (Florida Document #L22000521456) with mailing address 3080 Park Pond Wa, Kissimmee, FL 34741.
Yellow Spot Services, LLC is a marketing and lead-generation company. Yellow Spot Services, LLC is NOT an insurance agency, NOT an insurance carrier, and is NOT licensed by the Florida Department of Financial Services. Yellow Spot Services, LLC does not sell, solicit, negotiate, bind, issue, service, or pay claims on insurance policies, and does not hold itself out as authorized to do so.
2. Licensed Insurance Agency
All insurance quoting, binding, policy issuance, servicing, and claims-related support are provided exclusively by Garzor Insurance, Inc., a Florida-licensed independent insurance agency:
- Florida Insurance Agency License: #L084885
- National Producer Number (NPN): 17018038
- Licensed since 2008
- Domiciled in Florida; appointed in additional states through partner carriers
Coverage is placed with third-party A-rated carriers. Garzor Insurance, Inc. is not an insurance carrier and does not pay claims directly.
3. Relationship Between Yellow Spot Services, LLC and Garzor Insurance, Inc.
Yellow Spot Services, LLC and Garzor Insurance, Inc. are separate legal entities operating under a written referral and lead-handling agreement. Yellow Spot Services, LLC operates this Site, runs digital marketing, captures inbound inquiries, and forwards qualified leads to Garzor Insurance, Inc.
Garzor Insurance, Inc. is solely responsible for all licensed insurance activities, including underwriting submissions, quote preparation, binding, endorsements, certificates of insurance, claims advocacy, and renewals.
4. Advertising Disclosure
The trade name "Melbourne Truck Insurance" is used as a marketing brand by Yellow Spot Services, LLC for the geographic and product focus shown on this Site. Use of this trade name is an advertising and marketing vehicle and does not establish any independent insurance license.
Mariana Zorrilla is identified on this Site as the local advisor and point of contact. Insurance services attributed to Mariana Zorrilla are provided in her capacity as a licensed producer affiliated with Garzor Insurance, Inc.
5. Lead Handling & Sharing Authorization
By submitting your name, business name, phone number, email, vehicle data, DOT/MC number, or any other information through any form, chat, email, or phone interaction originating on this Site, you acknowledge and authorize Yellow Spot Services, LLC to transmit your information to Garzor Insurance, Inc. for the purpose of preparing and delivering an insurance quote and any related licensed services.
Yellow Spot Services, LLC does not sell your personal information to unaffiliated third-party marketers.
6. SMS / TCPA Consent
By providing your phone number, you consent to receive transactional and informational SMS messages from Melbourne Truck Insurance / Garzor Insurance, Inc. at the number (321) 329-5556 regarding quotes, policy service, certificates, claims, and renewals. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time and HELP for assistance. SMS opt-in data is never shared with third parties or affiliates for marketing purposes.
7. Quotes Are Estimates, Not Contracts
Premium indications shown on the Site or quoted by phone, email, or SMS are non-binding estimates based on the information you provide. Final premium, coverage terms, and binding are subject to underwriting review by the carrier, MVR/CLUE/FMCSA verification, signed application, and required premium payment. No coverage is in force until Garzor Insurance, Inc. issues a written binder or declarations page from the carrier.
8. Geographic Scope
This Site primarily targets commercial transportation insurance buyers located in Melbourne, Palm Bay, Cocoa, Titusville, Rockledge, Viera, Brevard County, and the broader Treasure Coast / Space Coast region of Florida. Coverage availability outside these markets depends on carrier appointments and state filings held by Garzor Insurance, Inc.
9. No Legal, Tax, or Compliance Advice
Articles, blog posts, guides, FAQs, and educational materials on this Site are provided for general information only. They do not constitute legal, tax, accounting, or FMCSA-compliance advice. Consult a qualified attorney, CPA, or compliance professional for advice specific to your operation.
10. Trademarks
All carrier names, logos, and product marks (Progressive Commercial, Berkshire Hathaway GUARD, Great West, Canal, Sentry, Cover Whale, Pie, Lancer, Trisura, and others) referenced on the Site are the property of their respective owners. Reference to a carrier does not imply endorsement of this Site by that carrier.
11. Updates to These Disclosures
These disclosures may be updated from time to time. The "Effective date" above reflects the most recent revision. Continued use of the Site constitutes acknowledgment of the current version.
12. Contact
Operator: Yellow Spot Services, LLC, 3080 Park Pond Wa, Kissimmee, FL 34741.
Licensed Agency: Garzor Insurance, Inc. (FL Lic. #L084885 · NPN #17018038).
Phone: (321) 329-5556
Operator Email: legal@yellowspotservices.com
Agency Email: quotes@garzorinsurance.com