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First Florida Underwriters Insurance blog

Do I need motorcycle insurance in Florida?

In the Orange Park, FL area, you are going to have a lot of opportunities to enjoy the nice weather while out on your very own motorcycle. Due to this, purchasing a motorcycle can be a great mode of transportation. If you are going to purchase a motorcycle here, you will need to get the right type of insurance. There are several reasons that you will need to have a motorcycle insurance policy when you are in Florida. 

Insurance is a Legal Requirement

One important reason to get a motorcycle insurance policy is that it will be a legal requirement for you. In the state of Florida, you are going to be obligated to have a certain level of liability insurance. If you want to drive legally, you need to make sure that this insurance is current. Those that do not have this coverage will run the risk that they could be penalized for lack of coverage.

Insurance Needed to Protect Asset

If you have invested a lot of money in your motorcycle and want to protect the investment, you should make sure that you have a proper motorcycle insurance policy in place. When you get a motorcycle insurance policy with collision and comprehensive coverage, it can ensure that you will be reimbursed for losses you incur related to theft or essentially any form of damage.

As you are looking for motorcycle insurance for your asset in Orange Park, FL, you should spend time assessing your needs. The team at First Florida Underwriters Inc can help you with this process. When you speak with the team at First Florida Underwriters Inc, you can get a better insight into what your insurance needs are. The team can also answer any questions to ensure you get into a proper policy. 

Is RV Insurance Required in Florida?

With thousands of people exploring the United States via RVs, it’s important to understand the requirements associated with owning or operating one. Keep in mind that every state’s laws and regulations will differ but when it comes to Florida RV owners are required to have insurance as long as it is being driven and not towed behind a truck or another vehicle. Operators must have a minimum of $10,000 in bodily injury liability per accident for one person, $20,000 in bodily injury liability per accident for all persons, and $10,000 in property damage liability per accident. Remember that these are only the bare minimum requirements for insurance and many RV owners will find that these coverages are not sufficient to protect the totality of their assets particularly given the expenses associated with an RV accident. 

Let’s be honest – purchasing an RV whether it is used or new is not an inexpensive endeavor. As a result, you want to make sure you have enough insurance to cover the total cost of the RV plus more. While an RV may be a blast to drive on a straightaway, most people find them to be challenging to park, turn, and judge side distance. Consequently, accidents can and do happen with RVs, and with a single accident costing thousands in repairs plus any damage to other property or people, you want to make sure you have enough coverage to protect yourself should the worst happen. 

When it comes to finding an RV insurance policy, let the professionals at First Florida Underwriters Inc in Orange Park, FL assist. We’ll take the time to learn about your needs and make a personalized recommendation on the perfect policy for you. Give us a call today or visit our website to make an appointment to speak with our friendly team.

Common Mistakes Florida Residents Should Avoid While Researching Boat Insurance

Based in Orange Park, FL, First Florida Underwriters Inc assists the community by providing residents with access to multiple insurance policies. We are committed to helping our clients find the right policy for their needs.

Boat Insurance

At First Florida Underwriters Inc, we recognize that owning a boat is a major investment. That’s why it is important that you protect your asset. Boat insurance covers you as you operate your watercraft throughout Florida. The policy covers your boat in the event that it is damaged, while also protecting you in the event of a potential liability situation. While you are researching different policies, here are some common mistakes to avoid.

Failing To Research The Policy’s Operating Limits

Be aware that your policy will likely contain language that outlines where you are allowed to take your boat. Research your policy carefully so that you can avoid taking your boat outside of the navigational limits.

Failing To Plan For The Offseason

Make sure that your policy includes coverage during the offseason when you aren’t operating your boat and are keeping it in storage. Even while your boat is in storage, it may still suffer damage. You could be left unprotected in that scenario.

Making Sure That Your Equipment Is Secure

In addition to covering your boat, the boat insurance policy should also cover all of your boat’s equipment. Without protection, you may be left in an uncomfortable position if your ropes are damaged.

Neglecting Liability Coverage

If you enjoy operating your boat while having a good time with your friends, make sure that you have the necessary liability coverage in your policy. Liability coverage protects you in the event that someone is injured while spending time on your boat. The coverage is also beneficial in the event that your boat collides with another watercraft.

First Florida Underwriters Inc Will Help You

If you have any questions about boat insurance policies, stop by our office in Orange Park, FL.

Does Your Florida Business Need Worker’s Comp Insurance?

One of the greatest challenges in life is running your own business. At the same time, you carry a lot of responsibility when it comes to resolving problems or making financial decisions. The right insurance coverage from First Florida Underwriters Inc will protect your company against common business risks like natural disasters, liability issues, and employee injuries. If your business in Orange Park, FL employs four or more workers, you are required to carry worker’s comp insurance to protect your employees. Here’s how this coverage works to protect your business.  

Covers Worker’s Injuries

Accidents have a way of happening in even the safest work environment. A worker may slip on a wet floor and get a concussion or strain their back doing the heavy lifting. Worker’s comp covers the medical expenses of employees who are injured on the job to protect your business revenue. This coverage includes doctor and hospital bills, medications and rehab, if needed, for recovery.

Covers Lost Wages

If a worker can’t return to work right away due to an injury, the worker’s comp helps cover his lost wages so he can continue to pay his bills. If he suffers a permanent disability due to a work-related injury, worker’s comp may cover his income for the remainder of his life. Worker’s comp may also provide death benefits to an employee’s immediate family if an accident results in a worker’s demise.

Minimizes Risk of Lawsuit

By protecting your employees with worker’s comp, you minimize the risk of workers filing a lawsuit for compensation of a work-related injury. It also helps you retain solid workers with valuable experience and training.

To learn more about worker’s comp coverage or to purchase a worker’s comp policy for your Orange Park, FL business, talk to an agent from First Florida Underwriters Inc.

Do I Need Commercial Insurance For My At Home Business?

It is possible to run some businesses right from the comfort of your own home. Perhaps you work completely off of your computer, or maybe you screen print t-shirts in your garage or bake cakes in your kitchen. There are all kinds of small businesses you can run from inside your house. However, when it comes to your small business you may wonder if you need any kind of commercial insurance. Well, our staff here at First Florida Underwriters Inc is here to lend a helping hand. So, if you live around Orange Park, FL, and run your business in this location we have all the answers you might need. 

Protect Your Small Business

Just because you live inside your home does not mean your home owner’s insurance will protect your property. If your home is damaged during the production of an item from your small business the insurance policy may not cover the damage. While it does depend on your home insurance policy there’s a strong possibility you’ll be left footing the bill. With commercial insurance for your home business, you’ll protect your home from potential damages. This way you will always be covered, both your business and your home. 

Running Your Small Business Safely and Efficiently

Do you run a small business out of your home? Chances are if you do you’ve pumped a considerable amount of time and energy into it. It represents your livelihood. It also puts your home property at risk for additional damage. Your regular home owner’s insurance may not cover these kinds of damages, which is why you need to look into commercial insurance for your home business. With the help of our staff here at First Florida Underwriters Inc., we are here to lend a helping hand. So, if you’re running your home business out of Orange Park, FL make sure to give us a call. We are here to help. 

Benefits of Home Insurance

Though residents of Orange Park, FL are not required by law to have homeowner’s insurance, it is still well worth considering. At First Florida Underwriters Inc, we want to be sure you understand the benefits of carrying home insurance.

Protects You and Your Family From Loss

No one wants to lose their family home or personal belonging, especially knowing how hard you worked for them. Unfortunately, while we can take precautions and safety measures, we cannot always prevent trouble from happening.

This is why it is so important to have home insurance. It may not be able to stop a fire from breaking out or a storm from ripping off your roof, but it can help you to pick up the pieces if disaster strikes.

Home insurance can help you and your family rebuild and replace damaged items so that you can regain some sense of normalcy as quickly as possible.

Protection From Lawsuits

Homeowner’s insurance offers liability coverage. If someone should get hurt on your property, your homeowner’s insurance should cover their medical bills, which can help you stay out of court. If you end up in court due to the injury, though, it can help cover attorney fees.

Help In Extreme Circumstances

In addition to rebuilding and replacing items, home insurance can help cover living expenses if you cannot live in your home due to a covered event. Having damage done to your home is traumatic enough.

Having to figure out how you will provide your family with somewhere to stay afterward is something you should not have to face. Home insurance can help with this so you can focus on what you need to: Healing emotionally- sometimes physically- with your family.

Peace of Mind

We all need a little more peace in our lives. Sometimes just knowing you have done all you can to protect your family can help you live more stress-free. Having home insurance gives many people peace of mind and helps them feel prepared.

Give First Florida Underwriters Inc. of Orange Park, FL a call today to see how little it takes to protect your family’s home.

How much auto insurance is required in Florida?

Florida is a “no-fault” state, which means that all drivers are required to have enough insurance to cover damages sustained in a car accident regardless of whether or not they are responsible for the incident. It may be confusing to understand the “no-fault” policy at times, which is why some Orange Park, FL residents are left wondering how much auto insurance is needed to fulfill the state’s requirements. The agents at First Florida Underwriters Inc. can help you understand Florida’s car insurance policies so that you are fully covered in an accident. 

How much auto insurance does Florida require?

The Sunshine State requires drivers to show proof of at least $10,000 in bodily injury protection for each person ($20,000 per accident). Drivers must also have at least $10,000 property damage liability and $10,000 personal injury protection (PIP) to legally operate a vehicle in Orange Park, FL, and throughout the state. 

What is personal injury protection?

Personal injury protection is an addition to your indemnity policy that covers medical expenses as well as lost wages. This extension makes Florida’s “no-fault” insurance policy possible by paying for damages that a traditional indemnity plan would not ordinarily cover. 

How much auto insurance do you need in Florida?

The state minimum may not be enough to keep you from suffering significant financial loss if you are involved in a car accident in Florida. The agents at First Florida Underwriters Inc. can help you find the auto insurance policy that works best for your lifestyle. Do not wait until it is too late to find out that you do not have enough indemnity coverage. Call First Florida Underwriters today to get started with a quote for insurance. 

3 Things You Didn’t Know About Motorcycle Insurance

Owning a motorcycle is exciting. Any road can become an amazing adventure. You probably know that you need at least liability insurance to drive safely in most states. What you may not know, is that motorcycle insurance sometimes has some great perks. At First Florida Underwriters Inc serving Orange Park, FL, we love to help educate our clients and future clients on topics such as this. So, let’s take a look at 3 things you might not have known about motorcycle insurance. 

All Motorcycles Can Be Insured

If you have a specialty bike or a bike that has been customized, it can still be insured. These types of motorcycles often need a special policy to make sure the entire worth of the bike is insured. If you have a bike that falls under this category, you should speak one on one with an insurance representative to find out what kind of policy will work best for you. 

You Can Insure More Than Just The Bike

Many policies offer coverage beyond simply the bike. Protective gear is essential to safe riding and it is not cheap. In some cases, your protective gear can also be covered in your motorcycle insurance policy. 

Get Help Along The Way

Many insurance policies have add on coverage to help you out if you are traveling. Just like with your vehicle, there are coverages to help with trip interruption should you face a problem while traveling on your bike. These can often include towing, repair, while trip interruption coverage can sometimes pay other costs incurred by being stranded. 

If you would like to learn more about motorcycle insurance, please contact our friendly staff at First Florida Underwriters Inc serving Orange Park, FL. 

Why you need to get RV insurance in Florida

For people all over the Orange Park, FL area, one great mode of transportation to consider investing in is an RV. When you own an RV, you will have a convenient vehicle that can double as a vehicle and place to relax and sleep. While an RV is a great asset that can provide you with great memories, it is also an item that needs to be properly insured. There are several reasons why you need to get a quality RV insurance policy. 

Covers for Liability

One reason to get an RV insurance policy is that it will give you liability insurance coverage. Similar to when you operate any other type of vehicle, there is a risk that you could cause an accident. If this accident results in bodily injury or other damages, you could be found liable. Fortunately, the liability component of your RV insurance policy could give you the coverage for this that you need.

Protects Asset

Buying an RV is a very major purchase and one that needs to be protected. When you get an RV insurance policy, you are going to get the coverage that will protect your RV. If your vehicle is damaged in an accident, stolen, or damaged otherwise, a full RV insurance policy will give you coverage for your loss. 

There is no doubt that owning an RV in Orange Park, FL could be a great option and investment. Since having RV insurance is so important, you should work with someone that you trust when shopping for a new policy. The team at First Florida Underwriters Inc is a great resource for all of your RV insurance needs. First Florida Underwriters Inc can help you to build a policy that provides the right protection for your asset. 

What Kind of Coverage is Included with Boat Insurance?

If you live in the Orange Park, FL area, it can be a lot of fun to own your own boat. Due to the warm weather that you will receive much of the year, you can spend a lot of fun afternoons on the local waterways. When you are looking to get a boat, you should consider getting a boat insurance policy. A full boat insurance policy includes a variety of forms of coverage that can protect you in several different ways.

Gives Liability Protection

One of the advantages of getting boat insurance is that it can provide you with great liability protection. When you are operating a boat, there is going to be a small chance at all times that you will be involved in an accident. If you are found at fault for any of the related damages, it can be very expensive to fix and pay restitution. The boat insurance will cover you in these situations.

Protects Your Boat

Additionally, you want to make sure that your prized asset is properly covered. When you have a boat insurance policy, it will give you coverage for many different types of situations that could cause a loss for you. If your boat is stolen, damaged, or incurs another form of loss, it should be covered by your boat insurance policy. This ensures that you can replace or repair your boat.

Those that need boat insurance in the Orange Park, FL area should contact the team at First Florida Underwriters Inc as soon as they can. When you reach out to the team at First Florida Underwriters Inc, you can learn a lot more about all of your insurance options for your boat. This will help to ensure that you are properly covered for your boat coverage needs.