Personal and Business Lines Coverages
We are a Woman Owned Business
Business auto insurance provides liability and physical damage coverage for company-owned autos. Additional coverages are available depending on the needs of the company. Personal auto, truckers and garage are each covered under different insurance policies.
Commercial crime insurance protects the company against employee theft, forgery or alteration, inside/outside the premises, computer fraud, etc.
Commercial property insurance protects against losses to buildings and business personal property related to the building. There are several coverage forms available that will provide additional coverage. Such forms include:
Professional liability (Errors and Omissions) insurance protects professionals such as doctors, lawyers, accountants, etc. against negligence and other claims initiated by their clients.
Commercial general liability protects the company for direct or indirect losses caused from premise or products/completed operations. In addition, there are many options available to broaden coverage that will align the exposures of the company with protection.
Provides lost wages and medical expenses to employees who are injured or contract a disease while on-the-job.
This insurance is for boat/ship owners against loss due to legal liability arising from damage to cargo, injury to passengers and crew, and other legal liabilities not assumed under regular forms of hull insurance.
The intent of this policy is to cover bodily injury or property damage caused by an accident arising out of garage operations. This pertains to the ownership, maintenance or use of locations for garage business including repair, dealerships, car wash and mobile detail services.
There are many types of surety bonds including bid, performance, commercial, etc. These bonds are considered to be third-party bonds as a third party is the guarantor for the principle who is required to fulfill an obligation.
Homeowner insurance protects against the loss to the dwelling, personal property and the liability associated with injuries and damage resulting from the residence and activities. This policy (in general) will insure damages from fire, water (not flood), natural disasters, theft/vandalism and injuries that occurred on the property. There are many options to choose based on individual needs.
Condo insurance will cover the inside of the unit should there be damage from fire, theft, natural disasters or water (not flood). The common areas and exterior of the building is insured through the condo association. There are many options to choose based on individual needs.
Dwelling insurance applies to dwellings rented to others, dwellings with lower values than required by a homeowner policy and dwellings owned by business entities. This coverage in general protects against loss due to fire, water (not flood), natural disasters, theft/vandalism and injuries on the property. Coverage is determined on the form used; basic, broad or special.
Personal auto insurance covers bodily injury and property damage liability, physical damage, and medical. There are many coverage options including PIP, uninsured/underinsured, comprehensive, collision, rental reimbursement and corresponding deductibles to choose.
Flood is not a peril covered under a homeowners, condo or dwelling policy. Flood insurance is triggered by rising water, rapid accumulation of runoff or surface water and mudflow inundation. A separate policy must be in place to insure this exposure and there is a 30-day waiting period before coverage goes into effect.
An excess liability policy allows additional limits of liability coverage to sit on top of the primary limits of a homeowner, condo, dwelling, auto, watercraft, etc. policy when the basic limits provided are insufficient for an insured’s needs. This policy will provide the same coverage as the underlying policy(s).
An umbrella policy will act similar to the excess liability policy, but it will provide additional coverage not on the underlying policies.
Tier 2 Systems
* Utility companies require proof of a Personal Liability Policy of at least $1 million
* Why Required? Utility companies must protect themselves from liability should a customer- owned system cause injury or worse
* Proof of the Personal Liability Policy must be provided to the utility company prior to connection
* The panels are not insured as this is liability coverage ONLY
* We require a copy of your current homeowner Dec Page for review prior to binding
Motorcycle/ATV insurance covers, bodily injury and property damage liability, physical damage, and medical. However, there are many coverage options including PIP, uninsured/underinsured, comprehensive, collision, rental reimbursement and corresponding deductibles to choose. These vehicles require a separate insurance form and cannot be endorsed onto a personal auto policy.
RV insurance covers pop-ups, fifth wheels and everything up to Class A. Depending on the type of vehicle, there are many options to choose. Including, replacement cost valuation, full timer’s package and roadside assistance.
Golf cart coverage covers bodily injury and property damage liability, physical damage to the golf cart and a variety of other coverages.
Watercraft insurance will provide bodily injury and property damage liability, damage to the hull, medical and a variety of other coverage. The type, use and equipment on the watercraft will determine the type of coverage needed.
Do you have the OLD kind or NEW kind?
1335 Martin Luther King Jr Ave, Suite B, Dunedin, FL 34698
Office hours are Tuesday, Wednesday & Thursday from 8am - 4pm
Monday & Friday by appointment.
You can reach us by email Monday - Friday.