As a business owner in Orange Park, FL, there are plenty of different commercial insurance options that you should be aware of. An agent at First Florida Underwriters Inc. can help you determine the best fit for your business.
Business Liability Insurance: Most businesses in Orange Park, FL should consider this insurance. It can protect you in the event a third party sues you. It covers the cost of legal fees and any settlements you have to pay. There are different types of liability insurance policies depending on your business.
Workers’ Compensation Insurance: This policy pays for medical care and partial wages for any employees who are injured on the job. If an employee dies from the injuries at work then this can pay for compensation to the family.
Property Insurance: This covers you from physical disasters, such as theft or fire. Depending on the coverage you choose, not only does it cover the building your business operates in but also the property within the building, such as inventory and furniture. This is especially important if your profit depends on having a physical location.
Commercial Auto: If you have cars owned by your business then you need a commercial auto policy. If you are using your own personal car for business then some auto insurance policies can exclude coverage for an accident if the car was actually being used for business purposes.
Business Owners Policy: This policy bundles different types of commercial insurance and is designed for a small business to get insurance at a lower price.
Business Interruption Insurance: If you have lost income due to property damage then this insurance can help reimburse you for salaries, rents, taxes, and net profits that would have been earned while your business was shut down and being repaired.
Contact First Florida Underwriters Inc. to get a quote on commercial insurance for your business.
Planning to purchase a motorcycle to explore the Orange Park, FL area? In your excitement, it’s easy to overlook important details. Take this short checklist along for the ride when you’re inspecting a possible buy. These tips are most helpful for those in the market for preowned motorcycles, whether from a licensed vendor or a private party.
- Do some research to know what you want. Do an honest assessment of your physical condition, skill level, and preferences to narrow down your choices. Make a list of 3 to 4 models that might fit your needs.
- Call the motorcycle insurance experts at First Florida Underwriters Inc before you shop. They can help you understand how your buying choices might affect your policy options.
- Ask for pictures when communicating with online sellers. Inspect the photos for signs of damage like scratches, dents, or clearly broken parts. Request multiple angles and closeup shots. Sellers who refuse these requests could be trying to hide something.
- The VIN number is an identifier that is linked to every official report related to that vehicle. Get the bike’s VIN number and use an online search site to find out if the motorcycle has been involved in any accidents, received recommended maintenance, or have changed ownership.
- Inspect the motorcycle before attempting a test drive. Visually inspect:
- belt drives
- oil battery
- fuel tank and lines
- charging system
- Take the bike to a certified mechanic for a full inspection before purchasing. An expert can help you understand potential maintenance or repair costs. This information can be helpful in price negotiations as well.
Once you’ve purchased the bike of your dreams, contact the agents at First Florida Underwriters Inc to complete the signup for your Orange Park, FL motorcycle insurance.
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.
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.
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.
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.
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.
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.
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.
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.
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.