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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. 

Why you need to purchase extra coverages in your auto insurance policy

Why you need to purchase extra coverages in your auto insurance policy

All Florida drivers must have personal injury protection and property damage liability to drive freely on public roads. These benefits extend to your family members unless they have their own auto insurance, but are these coverages really enough? Of course, they’re not if you know the importance of protecting yourself on Orange Park, FL roads. So, which other policies should you buy to add more protection? At First Florida Underwriters Inc, we recommend understanding your insurance needs to determine which coverages are essential.

You can be sued

Always keep in mind that you can be sued anytime when you or a member of your family causes an accident. Lawsuits can be messy and expensive at the same time. Coverages like bodily injury liability and property damage liability can be lifesavers if you have more than enough. Remember, you cannot really tell how extensive an injury can get.

What about accidents that can happen when you’re not driving?

If you think about it, your car remains parked most of the time, either at work or at home. That doesn’t always mean that nothing will happen to it. It can be stolen, vandalized, or hit by a tree. Sometimes, it’s the scorching sun that can damage your windshield, side windows, and glass sunroof. Collision and comprehensive coverage protect your car when parking.

Auto insurance is a family insurance

When you buy your auto insurance policy in Orange Park, FL, you’re also buying for your family. The last thing you want is to get into an accident with your family, and your auto insurance is not enough to pay for their medical bills.

Need to learn more about coverages to add to your policy? First Florida Underwriters Inc can help you choose extra coverages depending on your style, budget, and needs. Call us today!

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. 

Required Auto Insurance in Florida

Every driver in Florida must carry auto insurance as well as proof that you have it. If you need auto insurance, or you want to make a switch in the carrier, call us at First Florida Underwriters Inc in Orange Park, FL. 

Injury Coverage

There are two types of injury protection that Florida drivers have to have to be legal. The first is bodily injury coverage. This must have a specific minimum for each person injured in an accident as well as a specific minimum for the entire accident. Personal injury protection is another mandatory minimum that is kept in case you are injured in an accident. 

Property Damage and Uninsured Motorist

The other two types of required auto insurance in the state are property damage coverage and uninsured motorist coverage. Each of these insurance types has a required minimum that your policy must include. The property damage coverage often means damage done to another vehicle, but this can also include damage done to a building or other structure. A specific coverage amount of uninsured motorist covers you in case you are in an accident with an uninsured motorist who is at fault for the accident. 

Boosting Your Coverage

While all of these required minimums are all you need to stay legal, they offer relatively little in the way of financial protection. With spiraling medical costs, many drivers choose to have maximum payouts that are much higher than the required minimum. This is often a better way to protect your assets and your future. 

Call Us

If you want to discuss your auto insurance and how much you may need, call us at First Florida Underwriters Inc in Orange Park, FL for an appointment. We can help you get the coverage you both want and need.