Whether you are a business owner or starting a new business, your are required to have Florida workers compensation coverage to comply with state and federal regulations. Workers’ compensation, also know as workmans comp, is a state-mandated insurance program that provides compensation to employees who suffer job-related injuries and illnesses.
General liability insurance policy protects your business from unexpected risks, can protect your business against claims of liability for bodily injury, property damage, and personal and advertising injury (slander and false advertising). Also pays for bodily injury or property damage that occurs on your premises or as a result of your business operations.
Provides coverage for damage to your car resulting from fire, theft and other direct losses not excluded.
This covers damage to your car resulting from upset or impact with another object.
PERSONAL INJURY PROTECTION:
This cover you, your family members and certain others, for bodily injuries resulting from auto accidents, without regards to fault. Payments are 80% of medical expenses, 60% for loss of income, replacement household services and (if the limit has not been exhausted by other benefits) a death benefit. Personal Injury Protection is also required under the Florida law.
Auto Insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company which provides property, liability and medical coverage. You agree to pay the premium and the insurance company agrees to pay your losses as defined in you policy.
Many renters find out too late that their belongings are not covered by their landlord’s insurance policy. Don’t wait for disaster, Renters Insurance typically covers items like furniture, televisions, computers, clothing and jewelry. Also protects you from liability, in the event a guest is injured in your rented home.
Your Homeowners Association Insurance does not cover the interior of your condominium unit. You must get condo insurance that protects interior components, such as walls, floors and ceilings of your unit, along with personal property. Homeowners Association Insurance typically protects home owners for liability or hazard losses in common areas, but not any personal injuries, negligence or hazard losses inside condominium units.
UNINSURED MOTORIST COVERAGE:
This coverage pays for bodily injuries to you, resident relatives and certain others, resulting form the negligence of others. It pays when the at-fault party has: no liability insurance, or liability coverage with limits not adequate to pay for the damages incurred, or if injuries result from hit-and-run vehicle.
This covers your legal liability for bodily injury to others (Bodily Injury Liability) or damage to their property (Property Damage Liability). Florida Law requires you to have Property Damage.
COMMERCIAL AUTO INSURANCE:
As a business owner, you need the same kinds of insurance coverage’s for the car you use in your business as you do for a car used for personal use.
In today’s litigious society, a simple accident could result in you being held liable for damages not covered by your existing homeowners insurance policy. A personal liability umbrella insurance policy can give you additional liability protection without a large additional expense.
Flood is the most common natural disaster and takes place every day in all regions of the country. We must be prepared for flooding no matter where we live. In a high-risk area, a home is more than twice as likely to be damaged by a flood than a fire. Most Homeowners insurance policies do not cover flood damage to your home or personal property. Our experienced agents can assist you with determining the optimum amount of flood coverage you need.
Your home is possibly your most valuable asset. It is the memories’ foundation for you and your family, protecting your investment with a homeowners insurance policy will give you that piece of mind. It also provides protection if you or a family member are held legally responsible for the injuries to others or damage to their property. Our experienced insurance agent will help you to select the coverage that best fits your needs.
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