These Terms & Conditions ("Terms") govern your access to and use of melbournetruckinsurance.com (the "Site"). The Site is operated by Yellow Spot Services, LLC (Florida Doc# L22000521456), a marketing and lead-generation company. All licensed insurance activity referenced on the Site is performed exclusively by Garzor Insurance, Inc., a Florida-licensed insurance agency (FL Lic. #L084885 · NPN #17018038). By using the Site, requesting a quote, or purchasing a policy, you agree to these Terms. See our Legal Disclosures for the full operator/agency relationship.
1. Licensing & Regulatory Status
Yellow Spot Services, LLC is the Site operator and is not an insurance agency or carrier; it is not licensed by the Florida Department of Financial Services and does not sell, solicit, negotiate, bind, or service insurance.
Garzor Insurance, Inc. is a Florida-licensed independent insurance agency (FL Lic. #L084885 · NPN #17018038), licensed since 2008, authorized to transact commercial property and casualty insurance in Florida and partner states. Coverage is placed with third-party A-rated carriers; Garzor Insurance, Inc. is not an insurance carrier and does not pay claims directly.
2. Quotes Are Estimates, Not Contracts
Premium indications shown on this Site or quoted by phone are estimates only, based on the information you provide. Final premium, coverage, and binding are subject to underwriting review, MVR/CLUE/FMCSA data, signed application, and full premium payment or down payment. No coverage is in force until we send you a written binder or declarations page.
3. Use of the Site
You agree not to:
- Use the Site for any unlawful purpose
- Submit false DOT, MC, EIN, VIN, or driver information
- Reverse engineer, scrape, or copy substantial portions of the Site
- Interfere with security features or attempt unauthorized access to the admin area, database, or backend
We reserve the right to refuse service, terminate access, or report fraudulent quote submissions to FMCSA, NICB, or law enforcement.
4. SMS / Text Messaging Terms
By providing your mobile number, you consent to receive SMS from (321) 329-5556 regarding quotes, policy service, certificates, claims, renewals, and educational content. Message frequency varies. Message and data rates may apply. Reply STOP to opt out and HELP for assistance. Opt‑in data is not shared with third parties for marketing.
5. Electronic Communications & E‑Signature
You consent to receive applications, disclosures, binders, declarations, certificates, endorsements, and notices electronically (email, e‑signature platforms, secure portals). Electronic signatures are legally binding under the federal E‑SIGN Act and Florida's Uniform Electronic Transaction Act.
6. Payment, Down Payments & Cancellation
- Down payments and recurring premium payments are non‑refundable once coverage is bound, except as required by Florida law and the carrier's filed cancellation rules.
- Mid‑term cancellations are subject to the carrier's short‑rate or pro‑rata schedule.
- NSF/returned payments incur a $25 fee plus any carrier‑imposed reinstatement fee.
7. Intellectual Property
All content, copy, graphics, blog articles, and structured guides on this Site are © Yellow Spot Services, LLC. You may share links and short excerpts with attribution. You may not republish full articles without written permission.
8. Third‑Party Links
The Site links to FMCSA, the Florida Office of Insurance Regulation, carrier websites, and reference resources. We are not responsible for the content, accuracy, or privacy practices of third‑party sites.
9. Disclaimers
The Site and its content are provided "AS IS" and "AS AVAILABLE." We disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non‑infringement. Information about coverage, premiums, FMCSA filings, and DOT regulations is for general guidance only and is not legal or tax advice.
10. Limitation of Liability
To the fullest extent permitted by Florida law, Yellow Spot Services, LLC, Garzor Insurance, Inc., and their respective officers, employees, and contractors will not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or our services. Total aggregate liability for any claim related to the Site is limited to $100 or the agency commission earned on your most recent policy, whichever is greater.
11. Indemnification
You agree to indemnify and hold harmless Yellow Spot Services, LLC and Garzor Insurance, Inc. from claims, losses, and expenses (including reasonable attorneys' fees) arising from (a) your breach of these Terms, (b) your submission of false underwriting information, or (c) your violation of any law or third-party right.
12. Governing Law & Venue
These Terms are governed by the laws of the State of Florida, without regard to conflict‑of‑law principles. Any dispute will be brought exclusively in the state or federal courts located in Brevard County, Florida, and you consent to personal jurisdiction there.
13. Changes to These Terms
We may update these Terms at any time. The "Effective date" above reflects the most recent revision. Continued use of the Site after changes constitutes acceptance.
14. Contact
Questions about these Terms? Contact:
Site operator: Yellow Spot Services, LLC
Licensed agency: Garzor Insurance, Inc. (FL Lic. #L084885 · NPN #17018038)
3080 Park Pond Wa, Kissimmee, FL 34741
Phone: (321) 329-5556
Operator Email: legal@yellowspotservices.com
Agency Email: quotes@garzorinsurance.com