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Frame The Importance of

Commercial Truck Insurance in Cocoa Beach, FL

  • Let's face it - truckers in America have always been the backbone of our great country. They still are in modern times. On any given day, thousands of trucks traverse our highways and local roads, delivering goods and products on time so that businesses and consumers have what they need to live life. And while commercial trucking can be an incredibly lucrative way to make a living and put food on the table, it can also be risky and expensive.
  • Whether you're the owner of a fleet, an independent trucker, or have a business that uses big rigs to transport goods, you need commercial trucking insurance to protect you and your client's investments, shield you from liability, and more.
  • That's where working with a reliable truck insurance agency comes into play. Unfortunately, for many commercial truck insurance providers, serving the needs of truckers is low on the proverbial totem pole. At Independence Insurance Agency, nothing could be further from the truth.

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Insurance Agency in Cocoa Beach, FL You Can Trust

Much like you pride yourself on running a successful trucking business, Independence Insurance Agency prides itself on its years of experience providing truck insurance for hardworking men and women across the country. And in our experience, insurance rates for truckers are just too high - so high, in fact, that they eat away at their bottom line, making it more difficult to run a business and make a profit. Fortunately, at Independence Insurance Agency, we provide truckers the freedom they need from astronomically high insurance rates so they can stay on the road and keep driving America forward.

As one of the most trusted commercial trucking insurance agencies in the U.S., we understand the challenges that you face daily as a trucker. We also know how important it is to protect your business. That's why we go above and beyond to find you the best-priced coverage available, whether you're an operator, own a small fleet, a large fleet, or something in between.

Commercial Truck Insurance Cocoa Beach, FL

We Put Truckers First Because Others Don't

 Truck Insurance Cocoa Beach, FL

Truckers across the country choose to work with Independence Insurance Agency because we put their needs first before anything else. As experts in transportation insurance, we proudly offer a range of quality insurance products that are both practical and affordable for them. Our industry-leading carriers provide coverage that caters to the unique challenges faced by the trucking industry, ensuring that your business is protected at all times.

At our core, we are committed to finding the best possible price for your coverage without compromising the quality of service you deserve. The truth is, we understand how essential truckers are to the United States and take pride in making their insurance experience more streamlined and affordable.

One way we do so is by simplifying the insurance process. Our transportation specialists take the time to understand your specific needs and budget to tailor a comprehensive plan that works for you. You won't ever have to worry about cookie-cutter plans or uninterested agents when you work with our commercial trucking insurance agency. We take an educational approach to ensure that the entire big rig insurance process is quick, painless, and easy to understand. If there's something you don't understand, we're happy to take the time to explain. After all, the success and safety of your business are on the line.

Looking to the future, we are committed to providing innovative new products that cater to the ever-changing needs of truck drivers. As your one-stop shop for commercial trucking insurance, we are dedicated to your success, one policy at a time.

If you're a commercial trucker looking to ensure your rig, you can rest easy knowing that Independence Insurance Agency provides:

  • Affordable Trucking Insurance Plans for Any Budget
  • Exemplary Customer Service
  • Seasoned Transportation Specialists Who Customize Plans to Your Needs
  • A+ Carriers Across the Country
  • Simple, Easy Quote and Bind Process
  • Multiple Insurance Carriers Quoted to Find You the Best Rates
  • Truck Insurance for New Ventures

Call us or send us a message today to learn more about the best 18-wheeler insurance options for your trucking business.

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Common Types of Big Rig Truck Insurance in Cocoa Beach, FL

At Independence Insurance Agency, we offer several types of insurance coverage for local, intermediate, and long-haul trucking needs. Here are just a few categories of trucking insurance coverage that our agency offers.

As the foundation of your insurance policy, liability coverage is required by law in most states in the U.S. It provides coverage for damage or injuries caused to properties or other people if your 18-wheeler is responsible for the crash. Without liability coverage, it's almost impossible to drive a truck or run a trucking business without major legal consequences.

Having physical damage coverage is an essential component that shouldn't be overlooked. This insurance is responsible for covering the expenses related to repairing or replacing your truck in situations such as accidents, theft, vandalism, and other damaging events. By having this coverage, you can rest assured that your business won't be affected significantly by unexpected incidents, and you can continue running your operations smoothly even in challenging times.

For trucking companies, the goods they transport are crucial to their operations. To protect these goods from damage, loss, or theft while in transit, cargo insurance is essential. This coverage provides much-needed peace of mind for both you and your clients, allowing you to reimburse clients for any losses sustained while protecting your reputation and brand identity.

Non-Trucking Liability Insurance is designed to cover property damage or bodily injury that may occur during personal time when the driver/truck is not under dispatch. This coverage can be applied with or without a trailer and is added to a commercial policy as an endorsement.

While Independence Insurance Agency has built a reputation of excellence in serving the needs of truckers, we also offer general liability. Also known as Truckers General Liability, this coverage insures for bodily injuries or property damage that happen due to business activities that are NOT the cause of operating a truck. It covers accidents that occur in parking lots, rest stops, also while loading or unloading. General liability can also cover losses related to theft and vandalism. Most brokers and shippers will require this coverage to work with you.

Bobtail insurance is a type of coverage that is comparable to non-trucking liability, which is designed to offer protection when driving a truck without a trailer attached. This is commonly referred to as "bobtailing." With bobtail insurance, the tractor is covered at all times, even when it is not attached to a trailer, regardless of whether or not the truck is under dispatch.

Trailer interchange insurance is a must-have if you're involved in a trailer interchange agreement. This essential coverage offers protection for trailers owned by other parties that you're using under a contractual agreement. It covers damages caused by collisions, fire, theft, and vandalism, providing assurance to all parties involved.

Curious whether our commercial truck insurance agency in cityname, state offers additional coverage? The following options can be bound in your insurance policy:

  • Business Interruption Insurance
  • Reefer Breakdown Insurance
  • Occupational Accident with Contract Liability Insurance
  • Rental Reimbursement Insurance
  • Underinsured or Uninsured Motorist Insurance
  • Towing Insurance
  • Electronics Insurance
  • Much More

Three plus 3 Safe Driving Tips to

Lower the Cost of Truck Insurance in Cocoa Beach, FL

Keeping your drivers safe on the road is crucial not only for their own well-being but also for the safety of other motorists and the financial stability of your business. The Department of Labor has identified the trucking industry as one of the most hazardous sectors in the U.S. In fact, trucking and logistics fleets are known for their high injury and fatality rates. By improving how safely your truckers drive, you can help reduce expenses related to claim payouts, accidents, and insurance premium hikes.

Whether you own a large fleet or you're the owner and operator of a single rig, keep these safe driving tips in mind to help lower your insurance costs.

Implement Preventative Maintenance Plans

Ensuring the safety of your drivers begins with the safety of their vehicles. Trucks and tractor-trailers that do not receive regular maintenance, such as oil and brake pad changes, are more likely to experience breakdowns while on the road. Telematics devices provide real-time insight into engine and odometer data, including fault codes.

This information enables your mechanics to create comprehensive preventative maintenance schedules based on mileage, history of previous breakdowns, days, and more. Additionally, they can receive immediate notifications for critical fault codes. By implementing routine maintenance and proactive repair schedules, you can ensure that your vehicles are in top condition, minimizing the likelihood of breakdowns, which can help reduce the cost of trucker insurance.

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 Trucking Insurance Cocoa Beach, FL

Practice Defensive Driving

This approach aims to mitigate the risk of fatal crashes and injuries by proactively identifying and responding to potentially dangerous situations and making informed decisions while driving. By adopting defensive driving techniques, drivers can reduce their likelihood of accidents, thereby minimizing the need for expensive repairs, claim payouts, and increased insurance premiums.

Some of the easiest ways for you or your drivers to practice safe driving include:

  • Be Wary of Blind Spots: Operating a reefer or tractor-trailer means driving high off of the ground, which can make visibility limited, especially in blind spots. To check your blind spot, look over your shoulder and out of your windows while changing lanes.
  • Be Ready for Emergencies on the Road: It's important for drivers to be ready for unexpected situations when driving, especially during long trips. They should be equipped to handle emergencies such as poor driving conditions or big rig breakdowns.
  • Use the Three-Second Rule: Truck drivers should try to maintain a three-second gap between their vehicle and the car in front of them. This means that the truck driver should reach a certain point on the road three seconds after the car in front of them has passed that same point.
  • Always Use Right and Left Turn Indicators: It's important for drivers to always use their turn signals when changing lanes or exiting highways, even if they don't see any other cars around. This is not only required by law, but it also reduces the chances of accidents occurring on the road.
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 Commercial Liability Insurance For Truckers Cocoa Beach, FL

Find Ways to Prevent Distracted Driving

According to the Federal Motor Carrier Safety Administration (FMCSA), distracted driving is the primary reason behind truck driver accidents. Any activity that takes a driver's attention away from the road or the steering wheel is considered distracted driving. Distractions can come in various forms, such as eating while driving or gazing at a billboard outside the window. However, the most frequent form of distracted driving is the use of cellphones, specifically texting while driving.

Assuming you or your driver's rigs are equipped with dual-facing cameras, try reviewing footage of an unsafe driving incident. Coach your drivers on ways to correct their unsafe behaviors or look up ways to do so yourself if you're the one operating the big rig. The bottom line is that when your drivers aren't distracted, they drive safer. And when they drive safer, the cost of 18-wheeler insurance in cityname, state can be reduced.

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 Commercial Truck Insurance Quote Cocoa Beach, FL

Ensuring the safety of your drivers begins with the safety of their vehicles. Trucks and tractor-trailers that do not receive regular maintenance, such as oil and brake pad changes, are more likely to experience breakdowns while on the road. Telematics devices provide real-time insight into engine and odometer data, including fault codes.

This information enables your mechanics to create comprehensive preventative maintenance schedules based on mileage, history of previous breakdowns, days, and more. Additionally, they can receive immediate notifications for critical fault codes. By implementing routine maintenance and proactive repair schedules, you can ensure that your vehicles are in top condition, minimizing the likelihood of breakdowns, which can help reduce the cost of trucker insurance.

 Low Priced Commercial Truck Insurance Cocoa Beach, FL phone Call Now

This approach aims to mitigate the risk of fatal crashes and injuries by proactively identifying and responding to potentially dangerous situations and making informed decisions while driving. By adopting defensive driving techniques, drivers can reduce their likelihood of accidents, thereby minimizing the need for expensive repairs, claim payouts, and increased insurance premiums.

Some of the easiest ways for you or your drivers to practice safe driving include:

  • Be Wary of Blind Spots: Operating a reefer or tractor-trailer means driving high off of the ground, which can make visibility limited, especially in blind spots. To check your blind spot, look over your shoulder and out of your windows while changing lanes.
  • Be Ready for Emergencies on the Road: It's important for drivers to be ready for unexpected situations when driving, especially during long trips. They should be equipped to handle emergencies such as poor driving conditions or big rig breakdowns.
  • Use the Three-Second Rule: Truck drivers should try to maintain a three-second gap between their vehicle and the car in front of them. This means that the truck driver should reach a certain point on the road three seconds after the car in front of them has passed that same point.
  • Always Use Right and Left Turn Indicators: It's important for drivers to always use their turn signals when changing lanes or exiting highways, even if they don't see any other cars around. This is not only required by law, but it also reduces the chances of accidents occurring on the road.
Commercial Truck Insurance Cocoa Beach, FL phone Call Now

According to the Federal Motor Carrier Safety Administration (FMCSA), distracted driving is the primary reason behind truck driver accidents. Any activity that takes a driver's attention away from the road or the steering wheel is considered distracted driving. Distractions can come in various forms, such as eating while driving or gazing at a billboard outside the window. However, the most frequent form of distracted driving is the use of cellphones, specifically texting while driving.

Assuming you or your driver's rigs are equipped with dual-facing cameras, try reviewing footage of an unsafe driving incident. Coach your drivers on ways to correct their unsafe behaviors or look up ways to do so yourself if you're the one operating the big rig. The bottom line is that when your drivers aren't distracted, they drive safer. And when they drive safer, the cost of 18-wheeler insurance in cityname, state can be reduced.

 Truck Insurance Cocoa Beach, FL phone Call Now

check light FAQs About

Independence Insurance Agency

If you're looking for a commercial trucking insurance agency for your business, chances are you have some questions - and we've got answers. Keep reading to learn more about some of the most commonly asked questions we hear from truckers like you.

Why go with a "jack of all trades" when you can work with specialists who focus exclusively on transportation insurance? We have excellent relationships with major trucking insurance carriers and, as such, can provide the best assistance and reasonable rates.

Typically, companies will look at claims that date back three years or less.

We proudly work with more than 20 carriers to provide our clients with the most advantageous options at competitive prices, catering to the needs of owner-operators and big fleets alike.

Permit filings are typically done by insurance companies on the next business day. Federal (FMCSA) filings are completed online and updated immediately, while some states may take up to three weeks to process.

Independence Insurance Agency: Committed to the Trucking Industry

There's no question about it - you've got to protect your staff, your rig, and your trucking business with insurance. But choosing the right insurance partner isn't always easy. Thankfully, with Independence Insurance Agency by your side, you can rest easy knowing you're covered no matter where the road takes you. If you're in need of a commercial truck insurance agency in Cocoa Beach, FL that caters to truckers like you, pick up the phone and contact one of our transportation specialists today. That way, you can get back on the road with confidence tomorrow.

 Trucking Insurance Cocoa Beach, FL

Latest News in Cocoa Beach, FL

Popular Cocoa Beach restaurant serves meals out of food trucks during kitchen expansion

4th Street Fillin Station approaching 5th birthdayWhen Daniel Todd, Sarah Gottesfeld and their business partners leased the old gas station at North Fourth Street and North Orlando Avenue in Cocoa Beach in 2018, their plan was to have a gas station with a beer bar and really good sandwiches.As 4th Street Fillin Station approaches its fifth birthday, the restaurant and bar has turned into so much more. It’s the neighborhood backyard, a hangout for locals and tourists alike. So much so, the gastropub has outgrown its kitc...

4th Street Fillin Station approaching 5th birthday

When Daniel Todd, Sarah Gottesfeld and their business partners leased the old gas station at North Fourth Street and North Orlando Avenue in Cocoa Beach in 2018, their plan was to have a gas station with a beer bar and really good sandwiches.

As 4th Street Fillin Station approaches its fifth birthday, the restaurant and bar has turned into so much more. It’s the neighborhood backyard, a hangout for locals and tourists alike. So much so, the gastropub has outgrown its kitchen.

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“We didn’t think it was going to be this busy,” Gottesfeld said to News 6 partners Florida Today. “The kitchen was for low volume.”

[ADD YOUR BUSINESS TO THE FLORIDA FOODIE DIRECTORY]

Work began Oct. 2 on an expansion that will grow the 11-by-13 kitchen to one that’s 40-by-40. Todd hopes to finish by Jan. 21, in time to celebrate that birthday.

Meanwhile, despite the construction, the 4th Street closed for only two weeks, having reopened after temporary measures were put in place to continue serving. The construction noise fades once in the inside dining area and out back, where guests will find a shady retreat and menu that hints of bigger things to come.

For now, food is prepared in three food trucks, each bigger and easier to work in than the original 4th Street kitchen.

Find every episode of Florida Foodie on YouTube:

There’s the 4th Street food truck, where much of the restaurant’s original menu — including tacos, bowls and street corn — is prepared.

An Asian street food truck produces the inventive and delicious crab rangoon nachos, chef and kitchen manager Will Byers’ take on the traditional crab rangoon. The Asian-inspired menu also includes a selection of meat, seafood and veggie skewers and a fried Korean-style hot chicken sandwich.

Breakfast dishes also are prepared in the Asian street food truck.

All things smokehouse come from the third truck, including tender ribs blanketed in the aroma of cherry wood, bourbon baked beans and smoked fish dip.

Byers is using the three mobile kitchens to experiment. His current favorite is a smash burger that’s gaining traction with customers. The new work space will offer an opportunity for more new dishes.

“I’m looking forward to it so much,” Byers said, who has been at 4th Street for three years. “We’ll be able to do some cool stuff out of it.”

To understand how far 4th Street has come, it helps to look back at its beginning.

Todd, Gottesfeld and their partners leased the gas station and garage in April 2018. It was a working station, but they saw potential in the spacious, junk-filled backyard with a towering oak tree.

In May 2018, they started selling gas and renovations to turn the building into a restaurant began. The garage bays became an open-air dining room and bar with light fixtures made from tools and tables fashioned from what once were car lifts. They turned the backyard into a shady oasis with seating under that gorgeous oak and Giant Jenga to entertain young guests.

“It’s pretty kid-friendly,” Gootesfeld said. “We have kids.”

The only parts of the business under air conditioning were the kitchen, the small convenience store and the renovated restrooms.

When the restaurant opened in January 2019, food was prepared in a tiny kitchen and on a Big Green Egg charcoal grill out back. The bar served local beers, boutique wines and craft cocktails.

Check out the Florida Foodie podcast. You can find every episode in the media player below:

In December 2019, the partners bought the property and in January 2020, the gas pumps were removed. 4th Street became all about filling bellies, not gas tanks.

Then came the pandemic.

Todd credits a dessert bar, which was set up in the former convenience store, with getting the restaurant through the pandemic. People from the neighborhood loved walking to the restaurant and ordering decadent ice cream concoctions to-go, including boozy, adults-only shakes.

“COVID also pushed us into the food truck,” Todd said. Not knowing what the future held for sit-down restaurants, they bought the truck and rebuilt it.

4th Street’s open-air model turned out to be a major asset as restaurants began reopening during the pandemic. People felt more comfortable eating in a place cooled by ocean breezes rather than recycled air.

“We had groups coming from all over the county,” Todd said. “One family drove up from Miami.”

The new kitchen will allow the restaurant to offer true dinner entrees. It also means food will come out quicker. For the staff, it will provide better working conditions.

Once that work is finished, Todd said, plans are in the works to repair the colorful canopy tha once covered the gas pumps. It was ripped off last year during Hurricane Nicole.

The kitchen is Phase 1 of expansion, Gottesfeld said.

“We can’t add more seats until we can make more food,” she said.

Phase 2 will increase seating from 202 to more than 300, Todd said, with additional seating under the canopy and a deck over the front of the dining area for private parties.

“In a perfect world, we’ll do Phase 2 this time next year,” he said.

The place has come a long way since it opened as a gas station and beer bar with great sandwiches.

How do Todd and Gottesfeld explain its success?

“I think it’s the space,” Todd said. That oak tree and the backyard really do make it feel as comfortable and welcoming as a neighborhood block party.

There’s also plenty of room for large parties.

And then there’s the food. While it’s not a completely scratch kitchen, most of the sauces are made from scratch, Gottesfeld said. Plus the menu includes several vegan and vegetarian options, which makes it a great place for large groups with diverse tastes.

“The tourists really like 4th Street a lot,” she said. “But we have a huge following of locals. People watched it being built.”

Copyright 2023 Florida Today

8 Cheap Towns To Live In Florida Near The Beach

Florida is one of the most idyllic spots in the United States, with a sprawling, gorgeous coastline and plenty of fantastic places to retire. You'll find bustling downtowns, friendly people, and tons of uniquely Floridian activities to indulge in. Best of all, you can make the Sunshine State your home by settling down in one of these s...

Florida is one of the most idyllic spots in the United States, with a sprawling, gorgeous coastline and plenty of fantastic places to retire. You'll find bustling downtowns, friendly people, and tons of uniquely Floridian activities to indulge in. Best of all, you can make the Sunshine State your home by settling down in one of these small towns, where you can get a nice two-bedroom apartment right near the sunny shores for under $1,700 a month. Whether you're looking for the Gulf Side or want to stay strictly Atlantic, these destinations more than deliver.

8 Jupiter, Florida

There are plenty of wonderful things to see and do in Jupiter, Florida, and you'll get access to lovely beaches and an upscale vibe for roughly $2,000 less than you'd pay in a place like Miami. Jupiter has a posh small-town vibe with plenty of top-notch golf courses, spectacular beaches like Jupiter Beach and Carlin Park, and access to the lovely Jonathan Dickinson State Park.

7 Lauderdale-by-the-Sea, Florida

Lauderdale-by-the-Sea has a charming feel, a great community, and some of the most affordable activities you can find in Florida. With its comparably smaller population, a bevy of beautiful beaches, and its turtle nesting season between March and October, this town is one of the most interesting ones in the Sunshine State.

6 Anna Maria Island, Florida

With plenty of fantastic things to do and miles of beautiful beaches, Anna Maria Island is a fantastic town if you're looking for water sports, peace and quiet, and some great restaurants and boutique shopping. Plus, you'll be relatively close to larger cities like St. Petersburg and Tampa, which makes this spot the perfect fusion of a small town feel and big city convenience.

5 New Smyrna Beach, Florida

New Smyrna Beach is a fantastic beach with plenty of great water sports, including lots of places to surf. Plus, you'll enjoy a great arts scene and access to amazing nature, like in Turtle Mound. Experience the best of the Atlantic in this charming town, where you can soak up the sun, explore local galleries, and immerse yourself in nature's beauty.

4 Vero Beach, Florida

There's no shortage of great things to do in Vero Beach, Florida, and you can enjoy a lovely two-bedroom apartment for just over $1,000 per month. In addition to its fantastic shops and dining options, there are plenty of great beaches and parks, including Vero Beach and Sexton Plaza Beach. There are also plenty of art museums and a fun local culture.

3 Fernandina, Florida

Lovely Amelia Island in northern Florida is home to Fernandina, a fantastic small town where you can explore Fort Clinch State Park and the Amelia Island Museum of History. When you're not soaking up the culture, you can soak up the rays on one of this state's incredible beaches. Amelia Island offers a perfect blend of history, culture, and natural beauty, making it a must-visit destination for those seeking a relaxing and enriching getaway.

2 Hutchinson Island South, Florida

If you're looking for a quiet and quaint island vibe, Hutchinson Island South is an excellent pick. Not only will you enjoy the solitude of its many beaches, but you'll also be able to visit some of Florida's top draws, including Disney World. The combination of small-town life and big-city convenience makes this spot ideal for those seeking a laid-back getaway with easy access to the excitement of nearby attractions.

1 Cocoa Beach, Florida

Cocoa Beach is an idyllic and lovely spot with plenty of things to do and affordable rent. With tons of nearby beaches and the allure of Cocoa Beach's bioluminescence, a unique experience that you should have at least once in your life, this spot is a true gem. Plus, you'll find tons of water sports like sea kayaking and surfing.

Cocoa Beach restaurant's Caribbean flair earns it a spot on Yelp's 100 US Places to Eat

Suzy Fleming LeonardFolks in Cocoa Beach have known for 10 years how awesome The Tiny Turtle is. Now Yelp, the popular crowd-sourced review website, has named the cozy cafe with an island vibe to its 11th annual list of the ...

Suzy Fleming Leonard

Folks in Cocoa Beach have known for 10 years how awesome The Tiny Turtle is. Now Yelp, the popular crowd-sourced review website, has named the cozy cafe with an island vibe to its 11th annual list of the Top 100 Places to Eat in the U.S.

"Yelp’s annual Top 100 Places to Eat list covers a wide range of places to eat – from white tablecloth to food trucks and hot dog carts," according to top100.yelp.com. "It’s more accessible than a list of all fine dining establishments and really reflects the uniqueness of the Yelp community."

The Tiny Turtle, which recently celebrated it's 10th anniversary, was among 13 Florida restaurants on the list, landing at No. 84. Yelp took community nominations for it's Top 100 list in October.

"Reviewers praise The Tiny Turtle for its exceptional service, friendly and casual vibe and unique breakfast offerings," according to Yelp.

Owners Moises Correa and his wife Kelly Lieneke were excited to hear their restaurant had made the list.

"Celebrating 10 years of business this past November and now this has us feeling very grateful for all of our fans," Lieneke said. "We started out very small and have grown to be one of the best in Cocoa Beach. Thank you, thank you, thank you."

Latin tastes are among the culinary trends showing up in this year's list, which lines up with the Puerto Rico-inspired flavors created by chef Correa.

"We love that they highlighted our Bacon Mac Daddy Cakes as this dish has a unique sweet and savory flavor," Lieneke said. "Our queso is made fresh from scratch with lots of love and detail. Truly one-of-a-kind and a must-try."

The Tiny Turtle's beginnings were, indeed, tiny. Correa rented a kitchen behind a skate shop off Minutemen Causeway in Cocoa Beach in 2013 and served fresh, flavorful meals with Caribbean flair through a to-go window. He and Lieneke describe the original restaurant as a stationary truck.

When the skate shop closed six months later, The Tiny Turtle took over and opened a dining room. The couple bought the building in 2019, and two years ago expanded into the former art gallery next door to add a full liquor bar.

These days, the restaurant offers breakfast, lunch and dinner from a menu that includes sofrito bowls, empanadas, sandwiches, tacos and wraps.

The Tiny Turtle is at 249 Minutemen Causeway, Cocoa Beach. Call 321-446-7361, visit thetinyturtle.com or follow facebook.com/TheTinyTurtle.

Suzy Fleming Leonard is a features journalist with more than three decades of experience. Reach her at sleonard@floridatoday.com. Find her on Facebook: @SuzyFlemingLeonard or on Instagram: @SuzyLeonard.

Cocoa Beach restaurant survives challenges to become local mainstay

COCOA BEACH, Fla. – Ten years ago, Moises Correa dreamed of owning his own food truck or restaurant.He’d honed his skills in some of the area’s most highly regarded kitchens: Silvestro’s, a Cocoa Beach favorite in the early 2000s; Tuscany Grill, then in Suntree, now in Viera; and d.i.g. bistro, the former farm-to-table restaurant opened by Tuscany’s Gina Pierce.Recommended VideosAlas, as he did his research, he decided a food truck would be too expensive.[...

COCOA BEACH, Fla. – Ten years ago, Moises Correa dreamed of owning his own food truck or restaurant.

He’d honed his skills in some of the area’s most highly regarded kitchens: Silvestro’s, a Cocoa Beach favorite in the early 2000s; Tuscany Grill, then in Suntree, now in Viera; and d.i.g. bistro, the former farm-to-table restaurant opened by Tuscany’s Gina Pierce.

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Alas, as he did his research, he decided a food truck would be too expensive.

[ADD YOUR BUSINESS TO THE FLORIDA FOODIE DIRECTORY]

“I could get a food truck for 30 grand,” he said. “That was too much.”

Instead, he rented a kitchen behind a skate shop off Minutemen Causeway in Cocoa Beach, and on Nov. 13, 2013, he started serving fresh, flavorful meals with Caribbean flair through a to-go window.

Find every episode of Florida Foodie on YouTube:

He called his new place the Tiny Turtle.

The menu was as tiny as the restaurant: a wrap, a sofrito bowl, a hot dog and a burger. Guests who didn’t want to take their meals home could sit at a couple of picnic tables in a common area near the takeout window.

“I started the Tiny Turtle with $10 grand, and I borrowed $5,000 of that,” he said. “Actually, it was $9,500. I gave the last $500 to Sysco (for food and supplies). I said, if you don’t see me again I didn’t make it.”

Not only did the Tiny Turtle make it, it thrived, growing in the past 10 years from what Correa and wife Kelly Lieneke called a stationary food truck into a full-service restaurant and bar with expansive seating inside and out and a menu that covers breakfast, lunch and dinner.

“You know how I knew I was going to make it?” Correa said. “Somebody else believed in me before I did.”

When he left d.i.g. bistro, he asked Pierce if she’d take him back in six months if his business failed. But Pierce had faith in Correa’s talent and drive.

“She said, ‘Moises, I’m not going to see you again.’”

Lieneke was prepared to support her husband through the start-up process working in massage therapy. At least that was the plan.

“I gave my notice, and Kelly said, ‘I don’t mean to scare you, but we’re going to have a kid,’” Correa said.

The Tiny Turtle opened a week before the 50th annual Space Coast Art Festival in downtown Cocoa Beach. It was a make-or-break weekend. The restaurant was a hit.

“Sometimes you just have to throw yourself out there and see what happens,” Correa said.

When Lieneke took maternity leave, she started helping out at the Tiny Turtle and got absorbed into the business.

“I was nervous serving,” she said. “I didn’t know what I was doing.”

It didn’t take her long to love it, so she stayed.

Their son, Kaleb, 9, has grown up in the restaurant, first strapped to his mother’s chest while she helped customers, then in a playpen behind the counter.

“It was a true mom and pop,” Lieneke said.

As Kaleb has grown, so has the Tiny Turtle.

Within six months of opening, the skate shop at the front of the building closed, and the couple expanded into a counter-service restaurant with a compact dining room.

In 2019, Correa and Lieneke were offered the opportunity to buy the building which, at the time, included The Fat Donkey Ice Cream and Rick Piper’s Art Gallery.

The couple had been saving to move the Tiny Turtle to a larger location, and once again decided to take a chance and put that money into a down payment rather than deposits and more rent.

Ed Martinez, owner of The Fat Donkey, bought his portion of the building. Correa and Lieneke were left with a property that included their restaurant, two other retail spaces and three small apartments. They moved into one of the apartments.

Then COVID struck.

They laid off their staff and started serving to-go meals from 8 a.m. to 8 p.m.

“We made this our living room,” Correa said, looking around the busy dining room.

“We were living upstairs and just had to pay our mortgage,” Lieneke said.

After four months, they were able to bring staff back.

“We made it through,” Correa said.

Piper’s art gallery had closed, and business was picking up. In 2021, they took down the wall between the two units, got a full liquor license and turned that space into a bar.

Next came a mangrove-shaded patio out front and an expansive tiki hut in the back.

Through all the transformations, Lieneke and Correa have kept the flavor of the past in their restaurant. Piper’s artwork hangs on the walls. Wayne Coombs Mai Tiki Gallery, which closed in 2012, once occupied the space. Now a large tiki carving created by Keelee Coombs, Wayne Coombs’ nephew hangs from the ceiling of the hut. Local musicians perform there regularly.

The restaurant also pays homage to its proximity to the ocean.

The Surfrider Foundation has named the Tiny Turtle an “Ocean Friendly Restaurant” because of its environmentally sustainable practices.

While Correa’s passion is food, Lieneke said hers is the environment. The restaurant uses paper straws, which are given out only upon request. To-go packaging is made of paper rather than polystyrene. Wooden, rather than plastic, to-go utensils, again, are given only if a customer asks for them.

“I want to inspire and encourage others to do it,” Lieneke said of making more environmentally friendly choices with products in the restaurant.

Lieneke originally is from Southern California. Correa was born in Puerto Rico, but grew up in Orlando. Now they’re happy to call Cocoa Beach home. Correa’s dream has become Lieneke’s dream, too.

As they prepare to celebrate the Tiny Turtle’s 10th anniversary in November, Correa and Lieneke don’t take their success for granted, but they feel like they’ve got some breathing room now.

The not-so-tiny Tiny Turtle now seats 150 guests and has 20 to 30 employees. The menu now includes empanadas, sandwiches, tacos and wraps.

The final unit on the property has been rented to Junk Food Bakery. The family still lives in one of the on-site apartments. (“When we say we’re always here, we’re always here,” Lieneke said.)

Correa is working on a new project with a group of other Cocoa Beach restaurateurs.

But they promise not to neglect the Tiny Turtle. A proper celebration and ribbon cutting are planned for the 10th anniversary.

They’re proud of the prominence it’s earned in the community. Even after the bar was added two years ago, it’s remained a family-friendly place.

“One thing I hear from parents is this is their kids’ favorite restaurant,” Correa said. “They know when you’re eating here, their kids are going to go get ice cream.”

If not ice cream from the Fat Donkey, then a house-made pop tart or cake pop from Junk Food.

“We’re surrounded by desserts here,” Lieneke said.

It’s a sweet arrangement, and they wouldn’t have it any other way.

The Tiny Turtle is at 249 Minutemen Causeway, Cocoa Beach. Call 321-446-7361, visit thetinyturtle.com or follow facebook.com/TheTinyTurtle.

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