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First Florida Underwriters Insurance blog

What You Should Know About RV Insurance Before You Hit The Road

Owning an RV is one of the best ways to travel to our beautiful country. RVs offer maximum flexibility and tons of fun. However, if you are not properly prepared with the appropriate insurance, your RV experience can quickly turn bad. Here are some insurance tips for Orange Park, FL residents to keep in mind before they hit the road in their RV. 

Understand the Basic Minimums for Your State

Just like with auto insurance, each state will have basic insurance minimums for RVs as well. Understanding what these minimums are will keep you protected in the event of an accident. Most RV policies are similar to auto policies. These will include Bodily Injury, Property Damage, Collision and Comprehensive. In addition to these, there are other types of coverage that you can also add to your policy in some cases. To get specific information you will need to speak with a representative from First Florida Underwriters Inc. 

Know Your RV

You should also be aware that different types of RVs will require different types of insurance coverage. Your coverage and costs will depend on whether you have a class A, class B or class C RV. The types of insurance are based on how expensive the vehicle is. 

RV Insurance Is Not the Same as Auto

There are many auto insurance companies that will sell you a policy, but you should note that an auto policy will not cover many things that RV owners need to be covered. For instance personal belongings, which would be traveling with many RV owners, are not covered under traditional auto policies. 

In order to get the best RV policy and coverage, it is best to speak with a knowledgeable insurance representative from First Florida Underwriters Inc. We can help you figure out your coverage needs in Orange Park, FL and surrounding areas. 

 

When is Boat Insurance a Necessity

If you live in the Orange Park, FL area, investing in a boat can be a great option. Due to the access to water and warm weather, there are plenty of great opportunities to spend your day under the sun and on your own watercraft. When you do own a boat, it is important to consider getting insurance as there are several situations in which having boat insurance could be a necessity for you.

Lease or Loan

One situation in which you may be required to have a boat insurance is if you have a lease or loan against your boat. If you took out a lease or loan, the provider will be still using your boat as collateral. They will require that you carry a full boat insurance policy as long as your financial obligation remains. You likely will have to provide evidence of this when you take out the loan and from time to time afterwards.

Local Requirements 

Depending on where you use your boat, you may also be required by local requirements to carry boat insurance. Local requirements often wanted to make sure that you have proper liability insurance in place. When you have this type of insurance in place, it will help to make sure that you are able to make restitution if you are found to be liable for an accident that caused damages.

If you have a boat int he Orange Park, FL area, it is important that you keep it covered by insurance. If you are looking to buy a boat or are examining your boat insurance needs, you should call First Florida Underwriters Inc. The team at First Florida Underwriters Inc can help you to get into a policy that will provide you with a great level of insurance to protect both you and your boat. 

The Basics of Workers Comp Insurance

Workers Compensation Insurance is a multi-faceted and often confusing set of the legislature that may keep business owners from correctly accomplishing their goals. A solid understanding of workers comp coverage requirements is a simple way to avoid accidents and any legal issues that may arise in the future.

The State of Florida requires employers that conduct work within state boundaries to provide a form of workers’ compensation insurance for their employees. Specific requirements will ultimately depend on the type of industry, individual organization of the company, and perhaps most importantly, employee volume. The number of workers you employ will have a significant impact on the amount of coverage necessary. Companies are required to offer workers compensation insurance to employees when:

  • A construction company employs one or more employees, including corporate officers and Limited Liability Company members.
  • Any non-construction companies that employ four or more employees, plus corporate officers and LLC members. Sole proprietors and Partnerships are not considered employees under this law unless otherwise specified.
  • Agricultural operations that employ six regular employees or twelve seasonal workers. Seasonal employees must work more than thirty days in a season, but less than forty-five days over the course of a year.
  • Any contracting business must verify by law that their sub-contractors offer workers compensation to employees. Without proper workers comp insurance, the employees of the sub-contractor become the employees of the contractor, making them responsible for all policy demands.

First Florida Underwriters Inc is honored to serve the citizens of Orange Park, FL with some of the most dedicated associates in the state. Our deep knowledge of workers comp insurance can be used to serve your business’ unique needs, no matter what they may be. Reach out to us today to start building the right policy for you.

Why Commercial Insurance is So Important for Startups

Starting a new business require a lot of effort and attention to details.  An accident can completely derail a small business.  That’s why commercial insurance is so important for startups.  Even with precautions and care, accidents happen when they are least expected.  Commercial policies can be used to cover everything from protecting physical property and inventory to the corporate fleet.  The right plan can protect startups from a variety of threats that business face in the Orange Park, FL area.  At First Florida Underwriters Inc., their agents understand your concerns.  They can help get your business interests adequately covered. 

Commercial insurance policies are comprised of several policies that protect specific areas of the business operation.  Most plans start with a general liability policy.  Given the nature of the specific business, the agent may also recommend professional or product liability to cover the potential of someone suing for professional negligence or defective products.  The buildings owned by the corporation are protected with property insurance.  Property policies have different ways to cover repairs or replacement if a building is damaged or destroyed.  The agent will discuss these options with you.  Employees who are injured on the job are protected with workers compensation.  Another option startups should consider is ‘loss of income’ or ‘business interruption’ policies.  These help keep the business operating if a disaster disrupts the normal flow of business.

When companies are just starting out, they need protection to be able to grow.  If a disaster occurs, they allow the business owners to quickly resume normal business operation.  The team at First Florida Underwriters Inc works with businesses in the Orange Park, FL area to get the coverage they need.  Visit their website and come into the office.  They’ll help you with the protection your growing startup needs.

Reasons you should create a home inventory in Orange Park, FL

It’s hard to think about losing your home in a disaster or having your belongings damaged. It’s even harder, though, to think clearly after a devastating event happens, which is why you should create a home inventory. First Florida Underwriters Inc has compiled a list of the top reasons you should create a home inventory.

1. It helps you get the right insurance coverage

When you create a home inventory, you’ll take stock of what you have in your home so you know how much insurance coverage you actually need. For example, if you have a lot of original artwork in your home, this may not be covered by your basic home insurance policy.

2. It speeds up the claims process

When you need to make a home insurance claim, the insurance company will want to know what your damages are and what the items were worth. If you don’t have a home inventory, it will take much longer to determine this information.

3. It ensures you’ll be compensated the proper amount for your losses

Your home inventory will include accurate information about your items so they won’t be undervalued when you file a claim.

4. It saves you time

It may seem time-consuming to create a home inventory now, but it is much easier to do when you can see everything in your home. Going back after items are missing or destroyed is much more difficult and time-consuming. Chances are, you’ll forget about a few items as well.

It may seem like a burden to create a home inventory now, but you’ll thank yourself later should you ever need it for your home near Orange Park, FL. We hope you never actually have to use your home inventory, but if you do, the insurance agents at First Florida Underwriters Inc are here to help.

Must Have Auto Coverage for Long Distance Driving

Whether you drive long distances for business or pleasure, the right insurance coverage will keep you safe on the road. At First Florida Underwriters Inc in Orange Park, FL, we can help you select an auto insurance policy that meets your long distance driving needs. With adequate insurance coverage, you will be prepared for any eventuality when traveling far from home.

Here are some key coverage options to consider for long distance driving:

Comprehensive Coverage – This coverage covers the cost of repairing your vehicle if it gets damaged in a storm or is vandalized when you stop to eat on the road. It also protects you against car theft. It’s good to know your vehicle’s protected when you’re traveling in parts unknown.  

Roadside Assist – Even new vehicles can break down without warning. Roadside assist gives you 24/7 help when emergency situations arise and you have no friends in the area to call. It can be a lifesaver when you’re far from home. Your car and your pocketbook will be thankful you have this coverage should you have a breakdown when on the road.

Uninsured Motorist (Property Damage) – This coverage protects your vehicle if it’s hit by an uninsured or underinsured driver. You never know what kind of situations you’ll encounter on the road. Sad to say, not everyone carries the auto insurance coverage they should. This protection will give you peace of mind when traveling in new territory around unknown drivers.

Whether you’re traveling in-state or across the country, the right insurance coverage will protect you and others on the road. When it comes to long distance driving, safety should always be a priority.

To learn more about auto insurance coverage and costs, contact an agent from First Florida Underwriters Inc, in Orange Park, FL.

3 Tips to a Safer Motorcycle Road Trip

There’s nothing like cruising along the Florida coastline on a motorcycle road trip. By putting safety first, you can enjoy every minute of your ride. This includes updating your motorcycle insurance before your adventure begins. Insurance protection from First Florida Underwriters Inc in Orange Park, FL can be a lifesaver in the event of an accident. The following tips can also help you enjoy safer travels on the road.

Service Your Bike

Before hitting the road, service your bike. Have a mechanic check your engine, tires, brakes, suspension and any other aspect that may cause you trouble on the road. Make sure your motorcycle is roadworthy for where you want to travel. By mapping out your road trip routes, you can avoid trouble spots that could damage your bike. 

Wear Safety Gear

As motorcyclists are more exposed when they ride, even minor accidents can cause extensive injuries. The right safety gear can help minimize your injuries in the event of an accident. A protective helmet, goggles, gloves, jacket, and boots are essential gear for the road. A set of earplugs can also help you have a smoother, quieter ride.

Pace Yourself

Long distance motorcycle riding can be tiring. By pacing yourself on your road trip, you can avoid getting fatigued and causing an accident. Take time to enjoy the scenery and explore new sites. Stop frequently to rest, eat, drink water and stretch. Taking frequent breaks will keep your body limber and mind sharp to reduce the risk of accidents. Pacing yourself will also help you stay within the posted speed limits to avoid getting a ticket for speeding.

If you need additional motorcycle insurance coverage to protect you or your motorcycle on the road, contact First Florida Underwriters Inc in Orange Park, FL.

What Kind of Insurance Does a Recreational Vehicle Require?

If you have the ability to purchase a recreational vehicle you are very fortunate. Firstly you value your leisure time and you want to maximize time outdoors with friends and family. Many people want to enjoy these facets of life. You’ve made the decision to turn your dreams into reality by purchasing a recreational vehicle, congratulations. Recreational vehicle insurance is not just like car insurance it’s important to have an expert to know how to best protect your new home on wheels.

It’s a Whole New World

Your insurance agent will help you decide what your standard policy should look like. Recreational vehicles require insurance protection as standard for:

  • the driver of the recreational vehicle
  • the passengers of a recreational vehicle 
  • the value of the recreational vehicle 
  • as well as the liability that may be incurred by the recreational vehicle if it is involved in an accident 

You may have additional points of vulnerability based on:

  • your lifestyle – how you particularly use your RV 
  • where you may house the recreational vehicle and/or park the RV
  • how often you’d like to use your recreational vehicle
  • If you plan on entertaining others in your recreational vehicle 

There are many different facets that are involved in underwriting your recreational vehicle insurance policy. Sitting down with an agent will help you craft the very best recreational vehicle insurance policy to protect you at all points of risk and vulnerability. Just like your life it’s not a standard policy there are many nuances to the deal.

First Florida Underwriters Inc. serving the Orange Park, FL and surrounding areas is the go-to agency for recreational vehicle insurance. We also offer other types of insurance. If you need auto, life, health, motorcycle, toy, insurance to fit your lifestyle needs we are an agency that can cover everything. Contact us today. 

Will Boat Insurance Protect Against Vandalism?

Your Orange Park, FL was vandalized for reasons that you can’t understand and you don’t feel comfortable driving it. Thankfully, a boat insurance policy from First Florida Underwriters Inc may help to pay for this damage to your watercraft.

Comprehensive Coverage Will Protect Against Vandalism

There are many types of insurance coverage options for boats, including comprehensive coverage policies. This policy types comes into play when your boat is damaged in a non-collision incident. For example, people who own a boat that has been vandalized can pay for the repairs or even the replacement of their boat with this policy.

This coverage options also includes the ability to add “riders” to your policy to cover items that are connected to the boat but which aren’t the boat. For example, if somebody stole your depth finder from your boat and you have a rider for its replacement, your insurance will pay to replace or repair it.

When Coverage May Be Denied

Though comprehensive boating insurance will cover vandalism committed against your vessel, there may be times when it doesn’t. For example, your policy won’t kick into play if your insurance provider believes that you vandalized your own boat to collect on the policy. This act is not only unethical but illegal.

This situation very rarely happens, though, and typically only occurs if there were mitigating or suspicious circumstances around your boat damage. For example, if the vandalism seems self-inflicted or designed only to collect on a policy, your provider may not believe you.

Learn More About High-Quality insurance Options

Thankfully, most Orange Park, FL boat insurance policies will easily and gladly pay to repair a vandalized boat. So please contact us at First Florida Underwriters Inc to learn more about the benefits of these types of policies.