Gandia Insurance & Truck Permits

What Gandia Insurance & Truck Permits does

Gandia Insurance & Truck Permits, Inc is a family-owned, independent insurance agency headquartered at 10967 Lake Underhill Rd, Orlando, FL. The firm operates as a one-stop service provider for the trucking industry and local SMBs, offering commercial trucking insurance (commercial auto, truckers liability, cargo, physical damage, workers compensation, umbrella), general commercial lines (general liability, commercial property, bonds, garage liability, public livery), and personal lines (homeowners, auto), alongside a parallel truck-permit division that handles DOT and MC number registration, BOC-3 filings, IFTA permits and quarterly reporting, UCR, IRP, Form 2290 road tax, state-specific permits (CT, KY, NY, NM), and drug and alcohol Clearinghouse services. The agency also provides business formation services (corporation setup, FEIN/Tax ID) and public notary services, enabling it to onboard trucking entrepreneurs from company formation through ongoing compliance and insurance. Bilingual (English/Spanish) service is explicitly advertised.

The underlying technology posture is that of a traditional independent agency: there is no proprietary platform, no mobile app, no public API or SDK, and no AI/ML capabilities disclosed. Operations rely on standard industry practices for quoting across a network of 20+ insurance carriers, manual permit filing workflows, and direct customer interactions through phone, email, and the Orlando office during business hours. Marketing and customer acquisition are conducted via the company website, a Facebook page, and referral-driven community reputation within the Orlando-area trucking ecosystem.

The business model is multi-stream. Revenue is generated primarily through insurance agency commissions earned on policies placed with the 20+ carrier network (annual billing cadence, quote-based pricing, no publicly disclosed tiers). A second stream consists of professional-services fees for truck permit and regulatory filings (DOT, MC, IFTA, IRP, UCR, Form 2290, state permits). A third stream derives from business formation and ancillary services (corporations, FEIN, notary). The go-to-market motion is inside sales plus a single physical office, targeting Orlando/Central Florida trucking operators, SMBs needing commercial coverage, and individual consumers seeking personal lines. Ownership is concentrated with co-founders Taimy Gandia and CEO Richer Diaz, with no institutional investors, no parent company, no subsidiaries, and no disclosed funding history.

Name

Gandia Insurance & Truck Permits

Legal name

Gandia Insurance & Truck Permits, Inc

Website

https://gandiainsurance.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Gandia Insurance & Truck Permits is a family-owned independent insurance agency in Orlando, FL, providing commercial trucking insurance, personal and business insurance, truck permit filings, and business formation services to Central Florida trucking operators, SMBs, and individual consumers.

Ownership category

akta.pro rank

Product category

Commercial Insurance & Trucking Permit Services

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Commercial Auto for Specialty Vehicles (Tow Trucks, Limousines, Dump Trucks, etc.) (FSAJABAG)

akta.pro secondary industries

Garage Liability & Dealers (Auto Dealers, Repair Shops) (FSAJABAF), Commercial Package / Business Owners Policies (BOP) (FSAJAMAG), Specialty & Excess/Surplus Lines (E&S) (FSAJAMAH)

Keywords

• Commercial truck insurance
• Truck permit filing
• Trucking business services
• DOT number registration
• Independent insurance agency

Headquarters

HQ city

Orlando

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Insurance Agency Commissions: The company operates as an independent insurance agency offering quotes from over 20 insurance carriers. Revenue is generated through commissions on insurance policies sold to customers.
2. Truck Permit Filing Services: Filing services for DOT numbers, MC numbers, IRP renewals, UCR filings, IFTA reports, Road Tax (Form 2290), and state-specific permits (CT, KY, NM, NY). Revenue generated through service fees for permit processing and filings.
3. Business Formation Services: Assistance with new corporation setup, including FEIN/Tax ID applications, helping truck businesses get started with corporations, licenses, and business formation documentation.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Gandia Insurance & Truck Permits, Inc is an independent insurance agency that sells commercial and personal insurance policies on behalf of 20+ carriers and provides truck permit filing services. Its core offerings include commercial trucking insurance (commercial auto, truckers liability, cargo, physical damage), business insurance (workers compensation, general liability, commercial property, bonds, garage liability), personal lines (home and auto), federal and state trucking permit filings (DOT, MC, BOC-3, IFTA, UCR, IRP, KY, NY, CT, NM, Form 2290), corporation/FEIN formation, drug and alcohol program/Clearinghouse registration, and public notary services for the Orlando, Florida trucking community.

Product overview

Gandia Insurance & Truck Permits offers a comprehensive portfolio of insurance products and permit services for trucking companies, businesses, and individuals. The company provides commercial trucking insurance (including truckers liability, cargo, physical damage, and commercial auto), business insurance products (general liability, workers compensation, umbrella, commercial property, bonds, garage liability), and personal insurance (homeowners and auto). Their permit division handles federal registrations (DOT, MC numbers, BOC-3 filings), fuel tax programs (IFTA, Road Tax Form 2290), state-specific permits (CT, KY, NY, NM), registration services (IRP, UCR), and business formation assistance (corporations, FEIN). The company partners with over 20 insurance carriers to offer competitive rates.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Trucking Insurance Commercial insurance products for trucking carriers and fleet operators including commercial auto, truckers liability, cargo coverage, physical damage, and umbrella policies; served by agents working with 20+ carrier partners for competitive quotes.
• Commercial Business Insurance Commercial insurance for small and medium-sized businesses including general liability, workers compensation, commercial property, bonds (surety and performance), garage liability, and public livery coverage.
• Personal Insurance Quotes Personal lines insurance quotes for homeowners and auto owners in the Orlando area, sourced through the agency's carrier network.
• Certificate of Insurance Request Service for obtaining and managing certificates of insurance documentation for policyholders.
• Federal Trucking Registration Filings (DOT, MC, BOC-3) Filing services for federal DOT number registration and biennial updates, Motor Carrier (MC) number registration and updates including interstate authority, and BOC-3 process agent designation filings electronically submitted to FMCSA.
• Fuel & Road Tax Filings (IFTA, Form 2290, KY) International Fuel Tax Agreement (IFTA) permits, decals, and quarterly reporting for vehicles over 26,000 pounds GVW; Heavy Vehicle Use Tax (Form 2290) filings for trucks 55,000 pounds or more; and Kentucky tax number application and quarterly reporting for carriers over 60,000 pounds GVW.
• Annual & Multi-Jurisdiction Filings (UCR, IRP) Unified Carrier Registration (UCR) annual filing for interstate motor carriers and International Registration Plan (IRP) registration and renewals for commercial vehicles operating across multiple jurisdictions.
• State-Specific Permits (CT, NY, NM) Oversized/overweight permit services for Connecticut, New York (HUT stickers), and New Mexico commercial vehicles.
• Corporation & Business Formation Services Business formation assistance including corporation setup, FEIN/Tax ID registration, and annual reports for intrastate and interstate trucking operations.
• Drug & Alcohol Program / Clearinghouse Registration Drug and alcohol testing program registration and FMCSA Clearinghouse registration services for trucking companies.
• Public Notary Services Public notary services for document authentication and verification at the Orlando office.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Insurance Carriers (20+)coreOthersThe company works with over 20 insurance companies/carriers to provide competitive insurance quotes and options for customers. These are insurance carrier partnerships that allow the agency to offer multiple coverage options and competitive pricing. Specific carrier names are not listed on the website.

Scale indicators2 records

Recent moves1 record

Expansion highlights4 records

Others

• Northland Insurance: Specialty commercial trucking insurance carrier serving motor carriers; sits on the carrier side of the same trucking insurance value chain Gandia accesses through its 20+ carrier relationships.
• Great West Casualty Company: Trucking-focused P&C carrier and a likely partner on Gandia's book; illustrates the underlying carrier ecosystem that independent agencies plug into for commercial auto and truckers liability placements.
• Owner-Operator Independent Drivers Association (OOIDA): National membership organization serving small-business truckers that also offers insurance products and regulatory services to its members; an adjacent ecosystem participant competing for the same owner-operator wallet.

Broad incumbents

• Lockton Companies: Largest independent commercial insurance broker globally, with a transportation and trucking specialty practice serving motor carriers of all sizes. Comparable product set but at enterprise scale and geographic reach well beyond Gandia.
• Arthur J. Gallagher & Co. Global commercial insurance broker and risk management firm with significant transportation and trucking placements; competes in commercial trucking insurance but as part of a wide multi-line portfolio.
• Hub International: Large North American insurance brokerage with a dedicated transportation/trucking practice that competes for the same commercial auto and truckers liability accounts, but at much broader enterprise scale across many lines.
• Progressive Commercial: Direct-to-customer commercial truck insurer, one of the largest writers of trucking insurance in the U.S. Represents the direct channel against which independent agencies like Gandia compete for owner-operator business.

Direct peers

• Reliance Partners: Specialty insurance brokerage focused on the trucking and transportation industry, with similar multi-carrier placement and operational risk support. Directly comparable independent agency model targeting motor carriers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/GandiaInsuranceTruckPermits
• LinkedInlinkedin.com/company/gandia-insurance-and-truck-permits-inc.

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Gandia Insurance & Truck Permits