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First Florida Underwriters Insurance blog

Boat Insurance for Beginners

Florida is synonymous with boating, and if you have a boat, you should have boat insurance. Let First Florida Underwriters Inc serving the area of Orange Park, FL assist you today.

A boat is an asset, so it is logical to look at insurance options. In Florida, boat insurance is a subcategory of marine insurance. Consider the following checklist when reviewing boat insurance.

  • State law may require you to register your boat, so be sure to keep your registration papers in a safe place. Take the time to review any additional state regulations.
  • What is the size of my boat? Insurance will likely have size categories that boats are divided into so know your footage
  • Is my boat motorized? That is a fairly easy one to answer.
  • Where is my boat kept – do I lease moorings at the docks, or do I keep it on my property?
  • What will the repair or replacement cost be if my boat is stolen, damaged, or destroyed? The price tag is not always what you will pay to replace your possession
  • Is there liability insurance? This is a big one because it is unlikely that you will always go out on your boat by yourself. There may be additional safety requirements like wearing a life jacket in order for your liability insurance to be paid.
  • If I leave Florida with my boat temporarily, will my boat insurance still provide cover?
  • Do I need my boat insurance to cover wreckage and salvage?
  • Am I transporting any kind of cargo with my boat and how is that covered?

While boat insurance may seem simple when you are starting out, there are many areas to evaluate. Be sure to contact First Florida Underwriters Inc serving the Orange Park, FL area today!

What Is Workers’Comp Insurance and Why Do I Need It?

Have you ever thought about how your Orange Park, FL business would operate without the input of employees? Your employees are the most valuable asset in your business. Workers’ comp insurance is instrumental in covering job-related employee injuries and makes employers immune from some injury lawsuits filed by their employees. Connect with us at First Florida Underwriters Inc. to acquire outstanding workers’ comp insurance to safeguard your most prized asset in your business setup.

What is workers’ comp insurance?

This policy safeguards both the employees and employers in the event of work-related sickness, injury, or demise. Employees are guaranteed medical expenses, disability reimbursements, and lost income, and employers get protected from lawsuits for losses accrued and other probable personal and employer liability. Florida law requires workers’ comp insurance for nearly every employer in the state.

Why do you need workers’ comp insurance

Whether you are a new or seasoned business owner in Orange Park, FL the state of Florida requires you to maintain workers’ comp insurance. Failure to comply with these regulations of maintaining insurance, you become susceptible to civil and criminal lawsuits. However, besides observing compliance, workers’ comp insurance carries the following benefits.

Protect your business

The actual costs of accident-related medical expenses can sometimes be massive. Not many businesses can survive the financial burden of work-related injury costs. Luckily, when you carry workers’ comp insurance, you don’t have to settle employee’s medical bills out of pocket.

Some businesses may view workers’ comp insurance as a recurring expense, but the prevailing premium is far less than the medical treatment of an injured employee. As a matter of truth, one substantial work-related injury claim can culminate into hefty financial ruin to your business.

Protect your employees

Irrespective of how safety-conscious your working environment can be, accidents are imminent. Given the inescapable fact that injuries are never far off in the working premises, workers’ comp insurance safeguards your employees by reimbursing their medical costs and settling wage replacement benefits where applicable.

Possessing spectacular workers’ comp insurance is a prudent decision to safeguard employees and your business. If you are looking for magnificent workers’ comp insurance for your Orange Park, FL business, you can trust the First Florida Underwriters Inc. team to ensure your business is protected. Call us today and start your insurance journey with us.

Why do Florida businesses always need to have commercial insurance?

The Orange Park, FL area offers a lot of potential for business owners. Those that are going to start a business in this area can find that the strong economy and high population base offer a lot of advantages. If you are going to start a business in this part of Florida, protecting your business with insurance should be considered a necessity. You will need to have this protection for a few reasons. 

Coverage is Required for Business

One of the reasons that you need to have commercial coverage is that it is required for many businesses. A business is likely to need to take out a loan or raise other capital at some point to grow the company. Along with this, they are likely to sign a variety of contracts that will usually mandate the business to carry commercial insurance. 

Coverage Offers Valuable Protection

You will also want to have a commercial insurance plan to protect your business. A commercial insurance plan can protect all of your company assets and offer liability protection within one policy. If there is ever a situation in which you are named in a liability suit or your assets are stolen or damaged, this could prove to be quite helpful. 

Those that are business owners in the Orange Park, FL area need to make sure their companies are properly protected with insurance. As you are looking for coverage, you are going to find that there are a lot of options to choose from. Fortunately, the professionals with First Florida Underwriters Inc can help you pick a plan that will properly protect you and your company. First Florida Underwriters Inc will be able to explain your needs and options to ensure you make a wise insurance plan decision. 

What protection comes with motorcycle insurance in Florida?

Those that are in the Orange Park, FL area will need to own a vehicle to ensure they can get around the community. As you are looking for one, choosing a motorcycle can be a fun option and is ideal based on the climate. With your motorcycle purchase, it is also important that you pick a quality insurance plan. This coverage will provide several forms of valuable protection. 

Protection for Motorcycle

One type of protection that you are going to receive with motorcycle insurance is coverage for the vehicle itself. Losing a motorcycle or other major asset to an accident, theft, or other forms of loss can be very challenging. When you get a proper motorcycle insurance plan that has full coverage, you can receive the protection needed to ensure you can repair or replace it in the future. 

Liability Support

Anyone that is looking to get a motorcycle insurance plan will also enjoy the liability support that they receive. Those that drive a motorcycle will be responsible for damages if there is an accident that they cause. As these costs can be significant, you will want to know you have the support to cover them. With a motorcycle insurance plan, you are going to receive liability support that will offset this concern. This form of protection is also required by the state.

As you are looking to buy a motorcycle, getting a motorcycle insurance plan is quite important. In the Orange Park, FL area, a great company to call is First Florida Underwriters Inc. If you work with First Florida Underwriters Inc you will learn a lot about your different insurance options. The team can then offer the support needed to pick an insurance plan that is right for your situation. 

What You Need to Know About Motorcycle Insurance

There are few things which compare with riding the open road on your own motorcycle. For decades the thrill of bike ownership and riding has enthralled millions of people. If you are a proud bike owner in Florida, you also understand that along with the excitement comes a certain amount of responsibility. At First Florida Underwriters Inc, serving Orange Park, FL, we want to help you fulfill this responsibility. Keep reading to find out what you need to know about motorcycle insurance. 

Why Is Motorcycle Insurance Important?

Motorcycles pose a special kind of risk to both riders and other drivers. Because you do not have the protection of a car’s body surrounding you, you are at an increased chance of injury every time you ride. If you are in an accident, the cost of medical bills and repairs or replacement to your bike will come out of your pocket, unless you are properly insured. You have made an investment in your bike and a good insurance policy will protect that investment. If you are involved in an accident in which others are injured, you could be held liable for their medical bills or even any legal fees that could result. Again, insurance can help protect against this. 

Is Auto Insurance Good Enough For My Bike?

Although there are many similarities between an auto insurance policy and a motorcycle insurance policy, there are also some important differences. For instance, a motorcycle policy will have greater coverage amounts for bodily injury because a biker is at greater risk for injury. Also, a motorcycle policy will provide an option to pause your insurance if you don’t use your bike for certain months out of the year. This can save you money. 

If you would like to learn more about our services, please contact us at First Florida Underwriters Inc, serving Orange Park, FL.    

Does RV Insurance Cover Your Pets?

Owning an RV can make traveling around a lot of fun for anyone who likes to spend time on the road or exploring new places. It can be more convenient than finding motels to stay at, and can give you a sense of comfort and a feeling of home even if you’re far away from where you actually live. And some people also choose to live full time in their RV, too. But one of the most important things you can do for your security and peace of mind is to have proper RV insurance. If you’re in the Orange Park, FL area, First Florida Underwriters Inc can help find the policy that’s right for your needs and lifestyle.

Do you have four-legged friends that are traveling with you? If you do, it’s important to know that most policies won’t cover your pets. That’s true if the pet gets sick or injured, and also true if they harm someone else or damage their property. Make sure you tell your agent that you have pets in your RV, so they can find a way to include them in the policy or advise you about what type of policy you need to protect them and cover any potential damage they might cause.

Reach out to us at First Florida Underwriters Inc today, if you’re in or near the Orange Park, FL area and need RV insurance. We can help get your questions answered and give you the information you’re looking for in order to protect yourself and others, along with your furry friends and the belongings you keep in your RV. Whether you need a new policy or just want to make updates to the one you already have, our agents are here and ready to help you with your policy needs.

A Guide To Help Florida Residents Research Boat Insurance

Based in Orange Park, FL, First Florida Underwriters Inc. offers the community multiple types of insurance coverage. For over 25 years, we have helped our clients find the policies they need to cover what matters most. We strive to offer excellent customer service.

Boat Insurance

Boating is a popular hobby in the Orange Park, FL community. While boating is a fun activity, it is also a significant investment. Operating a boat comes with a lot of responsibilities. In order to protect yourself against some of the risks associated with boating, consider the benefits of boat insurance. The policy allows you to have protection as you navigate around the water. You’ll be covered if your boat collides with another boat or object and damages occur. Comprehensive coverage covers your boat if it is stolen or vandalized. You’ll also be covered if your boat is damaged by a natural disaster, boat, or fire. Liability coverage is also important. You’ll be covered if you are involved in an accident and you are responsible for the damages that occur. If you have a lot of passengers on your boat, liability coverage will protect you if someone onboard gets hurt.

You can amend your policy to cover you during special situations. If you are having engine trouble, you can add emergency assistance to your policy. You can also amend your policy to cover you if your boat suffers an oil spill. If you have any valuable possessions onboard or plan to add some accessories to your boat, you can amend your policy to cover those special items if they are stolen.

As you are navigating your boat around Florida, your policy will likely include navigational limits. You’ll have to adhere to the guidelines in order to maintain coverage. If you operate your vehicle outside of the guidelines, you will not be covered if something happens.

First Florida Underwriters Inc. Will Help You Protect Your Investment  

To learn more about boat insurance, visit our website today.

Three things to consider when you update your commercial insurance policy

One of the most important things you need to do when it comes to your commercial insurance is periodically updated it. At First Florida Underwriters Inc, we sell commercial insurance policies in Orange Park, FL.

The following are three things to consider when you update your commercial insurance policy.

Any new product or service offerings

Adding new product or service offerings is one of the biggest reasons why you need to update your commercial insurance coverage.

When you offer new products or services, it could create new liabilities for your company. You need to address these liabilities with changes to your commercial insurance policy.

Changes to your business facilities

Another thing that could possibly alter your liabilities, as well as your company assets, is updates to your business facilities. If you’ve purchased an additional commercial facility or updated an additional facility, you probably need to adjust your commercial policy. 

Make sure to reevaluate the commercial property coverage on your policy any time your business facilities are altered in any way. 

Company vehicles

Company vehicles need to be insured under your commercial insurance policy. One of the most important functions of commercial insurance is to insure vehicles used for commercial purposes. 

An accident in a company vehicle can really cost your company. That’s why it’s essential to make sure that you have adequate liability, collision, and comprehensive coverage included in your commercial auto coverage.

If you add new vehicles to your company fleet, make sure you make the appropriate updates to your commercial insurance policy. 

If you have questions about buying commercial insurance in Orange Park, FL, we can help at First Florida Underwriters Inc. Get in touch with us to explore our policy offerings. 

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.