HOW CAN WE HELP YOU?

Click to Call
First Florida Underwriters

1700 Wells Road, Suite 17
Orange Park FL 32073

Get Directions
First Florida Underwriters Insurance blog

What Types Of Roof Damage Are Normally Covered By Insurance?

The agents of First Florida Underwriters Inc work with the residents of Orange Park, FL to find the right homeowners policy that fits their needs. In Florida, there are additional types of coverage that may be beneficial. Hurricane and flood insurance are commonly sold due to the winds and rain that accompany strong storms. Strong winds and heavy rain can also cause extensive damage to a home’s roof and gutters.

Storm Damage

If a roof is in good condition, the strong winds that accompany hurricanes and tropical storm can loosen shingles or tiles. The stronger the winds, the more likely it is for damage to occur. In most cases, if a homeowner has hurricane insurance any damages caused by storms can be turned in by filing a claim. The damages will have to be assessed and estimates received on how much it will cost to make the necessary repairs.

General Wear and Tear

Part of the inspection will determine how much of the damage is the result of general wear and tear. If the roof is more than a few years old, broken or damaged shingles can compromise the integrity of the rood causing leaks inside your home. Yearly roof inspections and regular maintenance will reduce the impact of general wear and tear.

Residents who live in Orange Park, FL can always call the agents at First Florida Underwriters Inc if they have questions concerning their homeowners insurance and what types of roof damage it covers. Each agent is bonded and licensed with years of experience. Call and schedule an appointment today so you have all of the answers you need.

Planning for the Disgruntled Worker’s Damage

Ask any IT administrator and one of the highest risks to records, data, and a business’ livelihood is not outside the company in the form of a thief or hacker but inside the company as an upset employee, even in Orange Park, FL. The disgruntled employee syndrome is common, affects every industry, and due to the person’s already approved access can present a significant challenge to prevent or repair. Most companies don’t even prepare for the issue until it actually happens, and then the cleanup is far more costly and extensive (in addition to also including the removal of the person as well).

While your management and IT administrator can definitely develop protocols for how to deal with the employee-run amok, your business contingency plan should also have a safety net for how to deal with the damage caused if the problem gets discovered after the fact. This is where commercial insurance for your company comes into play. It can provide the valuable, low-cost safety net that helps offset problems associated with data loss, downstream damage to clients and associated parties, impacted employees, liabilities for failure in duties, and even privacy breach penalties. Any Orange Park, FL business dealing with other people’s data or property (intangible or physical) needs to have protection in place that can anticipate and help repair problems caused by an employee on the way out. It can very much mean the difference between your business’ ongoing success or being burdened with paying claims, settlements, and judgments.

First Florida Underwriters Inc can help. Their staff can draw upon multiple cases and anticipate the kinds of risks your particular business and industry might face from a disgruntled employee. Give them a call today and find out how First Florida Underwriters Inc and their team can protect you before it’s too late.

Employer’s Liability in Worker’s Comp Claims

Every employer in the state of Florida, which has four or more employees, is required to have worker’s compensation insurance, except in the construction industry and for government employers, it is one or more employees and in farming, it is five more regular employees or 12 or more seasonal employees.

Florida businesses that have worker’s compensation insurance benefit from Florida’s “exclusive remedy” rule. This rule was upheld in 2015 by the Florida Supreme Court. Under most circumstances, this rule prohibits employees or their surviving family members from suing an employer, if the benefits from worker’s compensation payments for the medical bills, lost wages, and disability or death benefits.

Employer’s Additional Responsibilities

In order to benefit from the limitation that prohibits lawsuits under the Florida Worker’s Compensation program, the employer must accept a worker’s compensation claim from or about an employee, certify that the on-the-job injury or death occurred, and file the claim on a timely basis.

If an employer delays a claim filing, either intentionally or by negligence, the employee or their surviving family can sue the company. Additionally, if there is proof of gross negligence by the employer that was the cause of the accident, an employer may still have a liability issue and may face a lawsuit.

Consult with Your Insurance Broker

Many business owners like to have an Employer’s Liability Insurance policy in addition to worker’s comp insurance. Ask your agent at First Florida Underwriters Inc in Orange Park FL about this. This type of insurance offers extra protection if there is an on-the-job accident, which results in serious injury, disability, or death of an employee. Businesses are not required by law to carry this extra insurance; nevertheless, many businesses want it for additional protection.

Consult with your insurance agent at First Florida Underwriters Inc, serving Orange Park, FL and the surrounding area, about any needs for Worker’s Compensation Insurance and Employer’s Liability Insurance.

Does Your Business Need A Commercial Insurance?

Lately, we have been expounding on other types of insurance and some insurance terms. Today, we are focusing on commercial insurance. If you are planning on starting a new business, or maybe you already own a business for the past few or many years, then commercial insurance should be part of your business investment. Operating a business without getting worried of any financial loss as a result of unpredicted incidences is stress relieving. The commercial insurance protects you from some of the losses experienced by businesses such as theft, liabilities, worker injuries, property damage etc. Procuring the right commercial insurance cover makes the difference between going out of business interruption and financial damage to your company operations in Orange Park, FL.

What is commercial Insurance?

Simply, this is an insurance that protects your business. It covers any losses, property damages etc. The First Florida Underwriters Inc. offers different types of commercial insurance to its customers.

What type of Commercial Insurance does First Florida Underwriters Inc. offer?

  • Commercial Auto Insurance

This type of insurance is recommended for people who own vehicles. It caters for vehicles that participate in activities related to your business or personal use.

  • Commercial General Liability Insurance

The advantage of this type of insurance is the fact that it covers a wide range of items in your business. With CGL insurance, your business is well covered when any injuries such as personal, advertising and property injuries occur.

  • Commercial Property Insurance

This category caters for any property damages that might occur in case of theft or even fire. Basically, this type of insurance covers anything related to your business physical location or physical structure.

Which is the best agency to partner with?

It is far much easy for any business owner located in Orange Park, FL. This is because one can use an independent agency such as the First Florida Underwriters to obtain a commercial insurance. You can also undergo the same process through the internet at the First Florida Underwriters website. Ensure you fully understand the policies before registering for any type of insurance.

 

Valuing the Invaluable: Choosing the right homeowners Insurance

It is important to protect yourself with homeowners insurance since owning a home is one of the most valuable investments. In as much as the price is important when choosing the right cover, it is necessary to look at the insurance providers’ overall quality before consideration in order to get the most out of your money. The four main factors to consider include:

  • Claims processing

In the event of damages in your home, battling with an insurance company that you have been making payments to can be a nightmare considering the conditions surrounding the entire process of filing a home insurance claim. It is of significance to get an insurance company which you can easily contact the agent who will ensure timely payments.

  • Customer Service

Customer satisfaction is another important factor to consider. As a policyholder, it is comforting to know you can simply contact an agent who will treat you fairly and expedite the process of reimbursement without any hustles and inconveniences.

  • Coverage options

Most home policies cover damages for personal property, dwelling coverage, and liability insurance. Nevertheless, natural disasters like floods and earthquakes are in most cases deemed to be added as an additional policy. Apart from the standard home coverage options, an insurance provider that has other catastrophic coverage options to complement the basic options should be considered before making a purchase. We at First Florida Underwriters Inc. in Orange Park FL, offer additional policies.

  • Financial stability

It is important to investigate the financial stability of an insurance company before buying a home insurance policy because there have been rising cases of insurance companies failing to pay claims and policyholders losing their policies. This can be done by getting the company’s current financial statement and look at their growth rate and profitability or searching online resources in order to get a clear insight of the company’s financial strength.

In case you are a homeowner, visit Orange Park, FL agents with First Florida Underwriters Inc., to help you get the right policy that suits your needs.

How Does Your Workers Compensation Insurance Save You Money?

While every business in Orange Park, FL is required to carry workers compensation insurance, the folks at First Florida Underwriters Inc want you to know that it offers more fulfilling a legal obligation. When managed correctly, your policy can end up saving you cash in the long run.

Employees Fully Complete Treatment Before Returning to Work

When a workers comp claim is opened due to a verified injury at work, your insurance company will work with your human resources department and the medical professionals to come up with a complete plan to return your employee to health.  After completing any treatment in the hospital and all rehabilitation that is prescribed they can return to work.  Meanwhile, the employee is also provided with a steady income that minimizes the financial impact of the injury to their family.  There is a much smaller chance that they will come back before they are able, which can result in a more severe injury and cost even more in treatments.

Transitional Duty Eases the Return

You will also participate in a transitional duty program as part of returning the injured worker back to the job. Whether they only work a few hours a week at first or are completing some administrative tasks, it helps to maintain a positive relationship.  Happy employees will stay longer, which lowers the cost of hiring and training new staff.

Helps You Improve Safety to Prevent a Recurrence

Finally, when you encourage your employees to utilize the worker’s compensation insurance in Orange Park, FL, it is an opportunity for you to document any unsafe conditions in the workplace and address any deficiencies. You will have a lower rate of injuries in the future, which translates into more savings on insurance premiums and hiring temporary staff.

If you would like to learn more, give the folks a call at First Florida Underwriters Inc to set up an appointment today.

Does Workers Compensation Cover Freelance Employees You Use?

Many business owners do not understand the complexities involved with workers compensation insurance. Workers compensation insurance is complex and there are a lot of different rules and laws that come into play. One of the areas that many business owners do not understand is in regards to freelance employees and workers compensation insurance. Many business owners ask us at First Florida Underwriters Inc, serving Orange Park, FL, whether freelance employees are covered under their workers compensation insurance. Here is the answer.   

Workers compensation insurance does not cover the freelance employees that you hire for projects or work. Freelance employees are not real employees, and as such, they are not covered as an employee would be under workers compensation insurance.

However, this does not mean that a freelance employee cannot sue you if they are injured at your business. This is where commercial liability insurance would come in. If the freelancer slips and falls and injures themselves while visiting your business, or injures themselves some other way while at your business, they can file a lawsuit against your commercial liability insurance, not your workers compensation insurance, which is designed to only cover employees. 

If you have employees, you must carry workers compensation insurance. If you do not yet have a policy or are looking for a new policy in the greater Orange Park, FL area, First Florida Underwriters Inc would love to assist you. Contact us today to schedule an appointment for us to sit down and discuss your business and insurance needs. From there, we can put together a comprehensive insurance package that will fully protect you and your employees. Call us now to get started. 

Who Does Commercial Insurance Protect?

It might seem like that when you are shopping for commercial insurance from First Florida Underwriters Inc in the Orange Park, FL area, you just thinking about the physical building and equipment that keeps your business up and running.  However in reality, a supportive insurance agent will help you build a group of commercial insurance products that protect so much more.

Your Investment

You can’t keep making money when Mother Nature shuts down your business after a major storm.  Make sure you can keep paying your vendors, suppliers, and payroll even when you can’t deliver a shipment on time with gap insurance.  Instead of losing value during downtime, your investment and bank accounts will remain intact.

Your Customers

Talk to your agent about proper liability coverage. Even if a customer receives a defective product or is injured in some way by your business, a good insurance policy will take care of their concerns without putting a huge hole in your operating budget. Addressing customer issues promptly helps to build and protect your reputation as you maintain more goodwill in the public sector.

Your Employees

Finally, through commercial auto insurance and workman’s compensation insurance, your employees are able to maintain their personal wealth and lifestyle even if they get injured on the job. When you provide the right level of protection, your employee turnover goes down and productivity increases as their confidence in their employer and workplace grows.

In the end, your commercial insurance policy from First Florida Underwriters Inc not only helps you recover from severe physical damage to your company, it can help you grow as you, your staff, and your customers know they can rely upon your business to do the right thing when the going gets rough.  If you are in the Orange Park, FL area, give their agents a call today for more details on rates and coverage. 

 

 

Is Buying a Workers Comp Policy or Becoming Self Insured Right for Your Business?

At First Florida Underwriters Inc, serving the greater Orange Park, FL area, we often have employers come to us wondering whether they should purchase a workers compensation insurance policy or whether they should become self-insured. Here are a few factors to consider that can help you make your decision. 

The Amount of Money You Have

One of the biggest factors that affect whether you should be self-insured or not is how much money your business has available to it. In order to become self-insured, you have to post a huge bond with the state your business operates in. The amount of the bond varies based on the type of industry your business is in and the number of employees you have. But if you are a smaller business, you may not have the reserves to become self-insured. 

The Number of Employees You Have

The other major factor that should influence your decision on whether to buy a workers compensation policy or become self-insured is the number of employees you have. Self-insuring is a good choice for a large business that has numerous employees. Smaller businesses simply do not have enough employees that wind up getting hurt and needing to utilize workers comp insurance. As such, dedicated employees to handling your claims, as is required to become self-insured, does not make much sense. 

If you are in the market for a workers compensation insurance policy in the Orange Park, FL area, First Florida Underwriters Inc would be happy to assist you. Give us a call today and let’s discuss your worker’s compensation insurance needs and put together a policy that best fits your needs and your budget. 

How Long Do you Have to File a Home Insurance Claim?

Filing a homeowner’s insurance claim is not something that many of us want to deal with. Sadly, more people than you may imagine deal with homeowner’s claims each and every day. For those that live in the area, the agents with First Florida Underwriters in Orange Park, FL can help you determine how long you have to file your home insurance claim.

For the most part, the time limit when it comes to filing a home insurance claim is going to vary between agencies. Some allow up to a year while others require you file within a few months. Some agencies even set the time limit at 30 days requiring that the incident be reported and a claim filed within 30 days of the occurrence.

It is very important that when you have a homeowner’s claim that you want to file, that you take the time to gather your proof and file as quickly as you can. This is going to reduce the likelihood that your agent or agency is going to be able to or want to reject the claim and leave the burden of repair on you. When you take on a new policy you should read the policy to find out just how long you have and how to go about filing.

When preparing to file a claim you first want to make sure you take the time to gather proof in the form of photos so that you can show them to the adjuster when they come to assess the damage. Though they will take their own photos, it can take up to a week for an adjuster to come and things are bound to look different in the span of a week. No matter how you go about filing your claim, the agents with First Florida Underwriters in Orange Park, FL can help.