Click to Call
First Florida Underwriters

1700 Wells Road, Suite 17
Orange Park FL 32073

Get Directions
First Florida Underwriters Insurance blog

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.

Reasons you should create a home inventory in Orange Park, FL

It’s hard to think about losing your home in a disaster or having your belongings damaged. It’s even harder, though, to think clearly after a devastating event happens, which is why you should create a home inventory. First Florida Underwriters Inc has compiled a list of the top reasons you should create a home inventory.

1. It helps you get the right insurance coverage

When you create a home inventory, you’ll take stock of what you have in your home so you know how much insurance coverage you actually need. For example, if you have a lot of original artwork in your home, this may not be covered by your basic home insurance policy.

2. It speeds up the claims process

When you need to make a home insurance claim, the insurance company will want to know what your damages are and what the items were worth. If you don’t have a home inventory, it will take much longer to determine this information.

3. It ensures you’ll be compensated the proper amount for your losses

Your home inventory will include accurate information about your items so they won’t be undervalued when you file a claim.

4. It saves you time

It may seem time-consuming to create a home inventory now, but it is much easier to do when you can see everything in your home. Going back after items are missing or destroyed is much more difficult and time-consuming. Chances are, you’ll forget about a few items as well.

It may seem like a burden to create a home inventory now, but you’ll thank yourself later should you ever need it for your home near Orange Park, FL. We hope you never actually have to use your home inventory, but if you do, the insurance agents at First Florida Underwriters Inc are here to help.

Must Have Auto Coverage for Long Distance Driving

Whether you drive long distances for business or pleasure, the right insurance coverage will keep you safe on the road. At First Florida Underwriters Inc in Orange Park, FL, we can help you select an auto insurance policy that meets your long distance driving needs. With adequate insurance coverage, you will be prepared for any eventuality when traveling far from home.

Here are some key coverage options to consider for long distance driving:

Comprehensive Coverage – This coverage covers the cost of repairing your vehicle if it gets damaged in a storm or is vandalized when you stop to eat on the road. It also protects you against car theft. It’s good to know your vehicle’s protected when you’re traveling in parts unknown.  

Roadside Assist – Even new vehicles can break down without warning. Roadside assist gives you 24/7 help when emergency situations arise and you have no friends in the area to call. It can be a lifesaver when you’re far from home. Your car and your pocketbook will be thankful you have this coverage should you have a breakdown when on the road.

Uninsured Motorist (Property Damage) – This coverage protects your vehicle if it’s hit by an uninsured or underinsured driver. You never know what kind of situations you’ll encounter on the road. Sad to say, not everyone carries the auto insurance coverage they should. This protection will give you peace of mind when traveling in new territory around unknown drivers.

Whether you’re traveling in-state or across the country, the right insurance coverage will protect you and others on the road. When it comes to long distance driving, safety should always be a priority.

To learn more about auto insurance coverage and costs, contact an agent from First Florida Underwriters Inc, in Orange Park, FL.

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.

What Is Not Included In Home Insurance Policies?

There are a number of things that may not be included in a home insurance policy. You want the very best for your home in Orange Park, FL. This means you have to look at the fine print so you don’t encounter any surprises. First Florida Underwriters Inc can also work with you to ensure you get the coverage that you need.

There are four things covered in a standard policy:

  • Liability protection
  • Personal belongings
  • The structure of your home
  • Additional living expenses

What’s not covered includes detached garages, pools, and other structures that may be found throughout your property. These would have to be added above and beyond your standard policy.

You also have to look at the kind of damages you are protected against. For example, your policy will provide coverage against fire, theft, hurricanes, lightning, and various other disasters that may be listed within your policy. However, you would not be protected against floods or earthquakes. You would need to add these as riders to your policy.

Various damages as a result of routine wear and tear will also not be covered by a home insurance policy. This would require a completely different insurance policy altogether.

Knowing what is and isn’t covered is critical so that you know whether you will be covered in an insurance claim. If you aren’t covered, the expense is on you as opposed to being covered by the insurance company, minus the deductible that you have to pay per your policy details.

At First Florida Underwriters Inc, we have independent insurance agents who can help you with your home insurance policy. We will work to ensure that you have sufficient coverage for your home in Orange Park, FL. It will make it easier for you to enjoy your home without wondering if you have enough protection.



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.