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Orange Park FL 32073

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First Florida Underwriters Insurance blog

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.

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.

3 Tips to Prevent Work Related Accidents

Workplace safety and appropriate training for safety in the workplace is critical for the protection of management as well as the employees. Orange Park, FL as well as the rest of the United States has rules and policies that have been established by OSHA (Occupational Safety and Hazards Administration, which are designed to protect employees from injuries and fatalities. To help avoid the risk of worker’s comp claims for injuries, here are three tips recommended by First Florida Underwriters Inc for workplace safety.

No Horse Playing

One of the quickest ways to get an injury while at work is by horse playing. Not paying attention to the task at hand and/or using tools and equipment inappropriately can quickly result in an injury, sometimes fatal injuries. It is essential to maintain professional behavior while in the workplace. Playtime is designated for outside of work hours, so never use tools and equipment as toys and do not think that an innocent joke or trick may not end up causing physical injury to a coworker; sometimes the most innocent acts result in serious injury.

Wear Appropriate Clothing

One of the rules put in place by OSHA is the requirement of wearing protective clothing and breathing equipment when working around dangerous substances. This includes, but is certainly not limited to work boots, hard hats, eye goggles, fire retardant clothing, earplugs and/or respirators. The specific safety requirements vary from job to job and industry to industry, so be sure to know and follow all safety requirements pertaining to clothing.

Follow the Rules Regarding Machinery

Regardless of its simplicity, machinery can cause serious injuries, even death if not use appropriately. You should never use a piece of machinery that you aren’t familiar with and have been trained to use. Employers should provide proper training and employees should following the training when operating any type of machinery. If you aren’t comfortable with or are inexperienced in a type of machinery that you are asked to operate, it is important to ask for the proper help and training before using.

Workplace safety rules and regulations have been put into place to maximize the efficiency of the company as well as reduce the amount of work-related injuries. For your safety and/or the safety of employees, it is critical that training is provided and safety measures followed.

Residents of Orange Park, FL who want to learn more information about workplace safety or to inquire about worker’s comp insurance, contact First Florida Underwriters Inc.

3 Facts You Need to Know About Commercial Insurance

Commercial insurance is simply the insurance used to protect businesses against losses resulting from damage to property or injury to employees. Property insurance, liability insurance, and worker’s compensation are some types of commercial insurance. Settling an insurance claim isn’t always a simple affair. There are some facts that you should know about your commercial insurance coverage.

1. Being Covered Has Different Definitions

Given that you have a Commercial General Liability Insurance cover, it will cover you, your business entity, and all your employees. In general, your staff is covered so long as an insured incident occurs during their company working time or while acting on behalf of the company. However, this may not always be the case, it always depends on the situation.

2. Purchase a Cover Based On Risk

The United States Small Business Administration encourages business owners to carry out their own risk analysis prior to buying an insurance cover. For instance, an Information Technology support firm with low physical customer interaction may require a very different insurance policy compared to a construction company that operates where there are many people. A risk analysis, which is also conducted by the insurance provider when settling a cover, may tell you the sort of insurance cover you should apply for.

First Florida Underwriters Inc in Orange Park, FL, is an insurance agency that can help you determine the commercial insurance cover you need. Call us today to get the best cover.

3. Yearly Review of Coverage Is Necessary

Yes, you have bought your commercial insurance cover, and you feel satisfied and safe, but do not forget to do a checkup. You should make it a habit to always review your company risks and coverage every year. Maybe you opened a new business premises, or added a new company vehicle. If something is not included in your insurance policy, then it is not covered. Keep your plan up to date to avoid trouble.

Ready to look into commercial insurance? Contact First Florida Underwriters Inc in Orange Park, FL to know the process.

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.