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.
With the holidays right around the corner, now’s the time to prepare your vehicle for upcoming travels. Whether you’re planning to visit relatives in another state or having relatives visit you, you will need your car in tip-top shape for family excursions, shopping trips or sightseeing. Here are some tips from First Florida Underwriters Inc in Orange Park, FL on prepping your vehicle for the holidays.
Have Your Car Inspected
Before the holidays, have your vehicle inspected to ensure everything’s in working order. Ask your mechanic to check the engine, belts, fluids, brakes, tires and wipers to avoid problems during long distance travels. If you need an oil change, get it done before hitting the road. A thorough inspection will give you peace of mind that your vehicle is ready for holiday travels.
Clean Your Car – Inside and Out
Give your car an in-depth cleaning, inside and out. Wipe down seats, dash and doors and vacuum flooring to eliminate dirt and debris. A clean car will be more inspiring to travel in, both around town and on a holiday road trip. It also reduces the risk of health problems such as asthma or allergies.
Pack an Emergency Kit
Anytime you travel, you should hope for the best but plan for the worst by packing an emergency auto kit. Your kit should contain such essentials as flashlight, cell phone charger, jumper cables, flashlight with spare batteries, first aid kit and flares in case you break down on the road. Bring extra water, snacks and blankets as well to keep kids happy and comfy until help comes.
Review Auto Insurance
Don’t forget to review your auto insurance to make sure you have the protection you need on the road. For comprehensive auto insurance at reasonable costs, contact First Florida Underwriters Inc in Orange Park, FL.
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.
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.
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.