Insurance Questions & Answers

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Personal Questions

• Is Flood coverage included in my Homeowner's policy?
  No, although a separate Flood policy can be purchased.  
   
• What is my deductible under my Homeowner's policy?
  Deductibles will vary. Some policies have more than one deductible, depending on the type of loss.
  
  
• Can anyone drive my car?
  In most instances, Yes. Household members and people who use your vehicle on a regular basis should be shown on your policy.
  
  
• Are you insuring homes on the beachside?
  Yes, most often a separate wind policy may need to be purchased in addition to the Homeowner’s policy.
  
  
• What is the cost of Auto Insurance in Florida?
  This will vary based on types of vehicles, ages of operators, driving records and the coverage’s desired.

Business/Commercial Questions

• What do I need to know about Business Insurance?
  Commercial insurance is designed to help protect many of the risks your business can face, including: damage or destruction to your business vehicles, office equipment, and inventory. Loss of income in case you have to close-up shop temporarily because of a covered loss and crime coverage including robbery, burglary, even employee dishonesty.  
   
• What are my coverage options?
  Our agents have a wide range of coverages available, as well as an array of choices for limits and deductibles. If you own a small or large business, our agents will help you in tailoring a business package policy that may be more appropriate to you. Consider enhancing the basic coverages with specialty markets.
  
  
• What are the benefits of Commercial Auto Insurance?
  Liability Coverage: In case you’re sued as a result of an auto accident.
  Collision Coverage: Helps cover physical damage to your vehicle due to collision or upset.
  Comprehensive Coverage: Helps cover physical damage to your vehicle due to fire, theft and glass breakage.Rental Reimbursement Coverage: Helps cover the cost of a replacement vehicle for a specified period of time when your vehicle is disabled due to an insured loss.
  
  
• What are the benefits of Workers Compensation Insurance?
  Workers Compensation insurance provides for the well being of your employee’s and promotes a positive work environment. Be aware that some states have passed laws that make Workers Compensation mandatory. Workers Compensation insurance was created in order to pay employees’ medical expenses and loss of wages in the event of a job related injury or sickness.
  
  
• What are the benefits of Business Owners Insurance?
  Commercial insurance is designed to help protect many of the risks your business can face, including:
  • Damage or destruction to your business vehicles
  • Certain liability exposures resulting from the operation of your business vehicles
  • Damage or destruction to your office equipment or inventory
  • Loss of income in case you have to close-up shop temporarily because of a covered loss
  • Certain business related liability exposures such as, wrongful entry or search, libel, slander and even certain offenses arising out of your business’ advertising
  • Risks to your cargo while in transit or storage
  • Theft or loss of tools and equipment
  • Crime coverage including robbery, burglary, even employee dishonesty
    
    
• What are the Benefits of Liability Insurance?
  Commercial insurance is designed to help protect many of the risks your business can face, including:
  • Bodily Injury Liability Coverage: Help protect you in case injuries occur to other people resulting from your operations
  • Property Damage Liability Coverage: Protection in case damage occurs to the property of others
  • Personal Injury Liability Coverage: Helps provide you with protection for offenses such as false arrest, libel, slander and wrongful entry
  • Advertising Injury Liability Coverage: Helps cover your legal liability for a variety of offenses arising out of the advertising of your business’ goods and services.

Life & Health Questions

• Does Medicare cover me in a nursing home?
  If you are hospitalized for three (3) consecutive days, Medicare will cover up to 20 days in a Skilled Nursing Facility at 100%. A Long Term Care Policy may offer you greater protection from an extended stay in a Skilled Nursing Facility, or for Home Health Care.
  
  
• Do I have to purchase group health insurance to get group dental?
  Several companies offer stand alone dental plans that are separated from your group health plan. Some companies even have plans where the premium is fully payroll deducted.
  
  
• I'm self-employed, why should I get a Disability income policy?
  A Disability income policy insures you a paycheck when you are unable to run your business due to an illness or injury.
  
  
• How many employees do I have to have to qualify for group health insurance?
  In the state of Florida, one person who is owner, officer, or sole proprietor of a business may qualify for group health insurance, even if there are no other employees.
  
  
• How can I afford enough life insurance?
  Term Life insurance is an inexpensive way to protect your family or business partnership should you die prematurely.