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710 Miami Springs Dr., Suite 120
Longwood, FL 32779

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Risks of Operating a Business Without Commercial Insurance

Running a business in Longwood, FL might be expensive, so the last thing you as a business owner want to do is to add on expenses for commercial insurance. However, not having commercial insurance can jeopardize your business and lead to the loss of your property, assets, and business income. Here is the list of risks of operating a business without insurance you should know:

Risk of breaking laws

According to Florida law, businesses must have a certain type of commercial insurance. For example, even if your company has only one employee, you must have at least general liability for your business. It helps to protect business owners from any direct and indirect damages to other parties. Also, if your company has four or more employees (either full- or part-time), workers’ compensation insurance is also required. 

Putting Your Employees and Yourself at Risk

Having workers’ compensation is important because it helps to protect you and your employees. It makes sure you can afford medical bills your employees might attain after a possible workplace accident. If you do not have workers’ compensation, you could be liable for a lawsuit, which would cause you financial losses and undermine your reputation. In addition to workers’ compensation, you might also need unemployment insurance for those employees who cannot work for a period of time. 

Risk of Property Loss

If anything happens to your commercial building, without commercial insurance you might end up losing possession of your property and ability to continue operation. Having business insurance is a guarantee that your property is protected against different types of damage, including fire, flood, and more. 

It does not matter, whether you have a small business with only one employee or a bigger company with hundreds of employees – Express Insurance in Longwood, FL is here for you and ready to serve all your insurance needs. Visit our website to see commercial insurance options offered by Express Insurance and choose the one that is right for you and your business. 

Why do I need a home inventory

Buying a home in Longwood, FL can seem like a dream come true. With its location in Central Florida, it is convenient to all the things that the greater Orlando area has to offer. Choosing the right home insurance for your home is one of the most important decisions you make when you become a homeowner. At Express Insurance our dedicated staff treats all of our customers like family and we want to make getting the perfect home insurance a totally painless process. 

To answer the question why do I need a home inventory you need to understand what a home inventory is and what it is used for. First, a home inventory is a listing of all your possessions. You may think that you don’t need a list or a video to remind you of what you own but I think once you make an inventory, you will be surprised at all the things that you have. Can you remember all of the holiday decorations that you have? Every piece of clothing and household items? Chances are you can’t. 

When something bad happens and bad things do happen even in lovely places like Longwood, FL, you will be asked to tell your insurer what they need to replace when you file a claim. You have to know the model of things like TVs and other electronics. You want to be able to replace what you had with something of equal value and quality. Your inventory, especially with receipts and photos attached will make the whole process go much smoother and quicker. It takes a little time to do an inventory but the potential benefit makes it worthwhile. 

When you are ready to talk about your home insurance needs give the experiences team at Express Insurance a call or stop by and let us give you a no-obligation quote as well as answering any questions you may have. 

How to Buy Auto Insurance for the First Time

When it comes to auto insurance, the options can at first seem overwhelming. It may also seem like no matter how many companies you research, they all seem to say the same thing. Distinguishing the best policy and carrier for you isn’t always easy when you live in Longwood, FL, but it helps to have the facts in front of you before settling on one option over another. 

Invest the Time 

This is often one of the more difficult things to do when it comes to insurance. Researching countless facts isn’t exactly the most thrilling way to spend an afternoon, but it’s also the most effective way to get the information you need. Every state has its own laws when it comes to the minimum amount of insurance you need, meaning the terms of your policy may look very different than your friend in the next state over. 

Ask Yourself the Tough Questions 

Also difficult to do, this one involves determining whether you’re willing to take certain risks with your insurance policy. For example, if you choose the bare amount of coverage, will you be able to reasonably get by if you’re unable to access your car for a while? There’s no need to opt for more than you need, but you also have to be prepared in case something does happen. 

Talk to Your Carrier 

Express Insurance serves the people of Longwood, FL and helps them decide which policy will work best for them. New drivers are prone to making mistakes simply because they don’t have the frame of reference that other drivers do. Whether you’re shopping for a quote or you just have questions about how claims work in the event of an accident, give Express Insurance a call today. 

Three reasons why you need umbrella insurance

Umbrella Insurance is a type of insurance that many individuals in the Longwood, FL area need. If you don’t have umbrella insurance coverage, you might want to explore our umbrella policy options at Express Insurance. 

The following are three reasons why you need to have umbrella insurance coverage. 

Your existing insurance policies have coverage limits. 

A lot of consumers make the mistake of assuming that their standard insurance policies will protect them financially in the event of an accident. However, it’s important to realize that policies have coverage limits. There’s no guarantee that any accident that comes up won’t cost more than these coverage limits.

Umbrella insurance kicks in when the coverage maximums are reached on a standard policy. It ensures that all the expenses resulting from a covered incident will be paid for through insurance coverage. 

You have a lot of assets to protect. 

Consumers who do not have umbrella insurance coverage are leaving their assets at risk. High net worth individuals are often the target of lawsuits. If you’ve got a lot of assets to protect, you could be considered a target and need to protect yourself and your possessions with umbrella insurance. 

Umbrella insurance is surprisingly affordable. 

Consumers are often quite surprised at how affordable umbrella coverage can be. For just a few extra dollars every month, many consumers are able to take advantage of as much insurance coverage as they could ever possibly need. 

We’re here to help you if you want more information on umbrella insurance policies in Longwood, FL. At Express Insurance, umbrella insurance is one of the many types of insurance policies we offer. Contact us to learn more. 

Is Renter’s Insurance Worth the Cost?

If you’re thinking about renting a home or apartment, you should consider getting renters insurance. Renters insurance from Express Insurance in Longwood, FL protects your belongings against such risks as fire, theft or natural disaster. If a severe tropical storm or tornado levels your rental home, could you replace all your goods out-of-pocket? Renters insurance also provides funds to live elsewhere if you had to leave your rental property temporarily due to damage from a disaster.

Here’s what’s you stand to gain by investing in a renters insurance policy.

Financial Security against Loss of Property

Renters’ property insurance covers your personal goods against theft or loss in a disaster. This includes your shoes, clothes, furniture, electronics, appliances, sports gear and more. By making a home inventory of your possessions, you’ll get a better idea of what this coverage has to offer. Replacing your wardrobe alone can be costly. Imagine what you’d spend to replace costly furniture, electronics or appliances on your own in the event of disaster loss.

The Sunshine State is known for its destructive hurricanes, severe tropical storms, tornados, and wildfires. Any of these disasters can cause substantial damage to a home and totally destroy its contents. If you’re the victim of a natural disaster, renters insurance can provide the financial means to recuperate your losses so you can recover quicker and move on.

Living Expenses Protection

A major disaster can make a home uninhabitable due to extensive damage. Renters insurance offers additional living expenses coverage to help compensate for the money you spend on hotels, restaurants, transportation or other expenses while you’re away from home. This could save you from dipping into your savings to cover these costs.

To learn more about the benefits of renters insurance and policy costs, call or visit your Express Insurance agent in Longwood, FL today.

5 Safety Tips for Holiday Driving

Driving during the holiday season can be challenging, to say the least. Congested roads coupled with wet or snowy weather conditions, reduced daylight hours and driving in unfamiliar territory can be a recipe for disaster. The following safety tips from Express Insurance in Longwood, FL can help you get to your holiday destination safely.  

Plan Your Travels in Advance

Plan ahead so you’re not stressed in getting to your destination on time. Plan your routes, service your car and pack your car in advance before hitting the road. Keep an eye on weather and road conditions where you’ll be traveling to avoid traffic jams and hazardous weather on the road.

Drive Defensively   

Drive defensively, putting your safety and the safety of others first. Avoid speeding and taking unnecessary risks that can cause accidents. Always signal when changing lanes or turning to alert other drivers of your prospective actions.    

Take Frequent Breaks

Get a good night’s sleep before hitting the road and take frequent breaks on long-distance trips to avoid getting drowsy. Stop to rest, eat or walkabout to help you stay alert. Share driving responsibilities with others to enhance safety on the road.

Avoid Distractions

Don’t text or talk on your cell when driving. Avoid changing radio stations, putting on makeup or getting into heated discussions with others as these actions can also distract you from your driving.

Don’t Drink and Drive

Never drink and drive. If you’re going to drink, choose a designated driver or use a taxi or Uber service to return home safely after holiday parties.

Don’t forget to check your auto insurance to make sure it’s up to date with the protection you need for your travels. For auto insurance coverage you can trust all through the year, contact an agent from Express Insurance in Longwood, FL today.

Why does my small business need commercial insurance

Owning a small business in Longwood, FL comes with plenty to lose sleep over but one thing that should not be keeping you up is why your small business needs commercial insurance. You have someone to turn to for the information that you need when making the decision about commercial insurance with Express Insurance. They can walk you through all the things that you need to consider when deciding whether or not this type of insurance makes sense for you and your business. 

Every small business has different commercial insurance needs. Your type and size of business need to be considered. Where you are doing business is also important. You want enough insurance but there is no point in including things that won’t help your business to be more secure.

Property coverage

 You need to protect your ability to do business. You need to protect the location and the property needs to be secure. Property insurance protects you against things like theft and fire that could destroy your inventory and your equipment. If you own the building that also needs to be covered from damage. 

Liability coverage

People get hurt and they sue, it is a reality of life. You need to protect your business against legal actions that may be taken against you. This coverage can also protect you against a suit from a disgruntled former employee and wrongful termination. 

Workers Compensation

If your business has four or more full or part-time employees, Florida law requires that you provide workers compensation coverage. This is a good business practice since it shows your employees that you care and it is easier to retain them. 

Commercial insurance covers these three areas and more. If you live in or near Longwood, FL, Express Insurance will be happy to discuss your business and the coverage that makes sense for you. Give us a call or stop by the office for a no-obligation quote. 

Getting Your Home Ready For Winter? Don’t Forget Your Home Insurance Policy

There is no shortage of winter preparation tips that a Longwood, FL resident needs to remain aware of. With the help of Express Insurance, these potential issues can all be addressed in a timely manner. If you are in the process of getting your home ready for winter, it is time that you learned more about the role that your home insurance policy is going to play….

Safeguarding Against Weather Related Damages

A home insurance policy may offer the homeowner coverage against garden variety occurrences that are related to the weather. That is all well and good but an annual review is crucial. These reviews ensure that the homeowner receives the necessary protection from weather damages that their current policy may not have considered. Otherwise, they could be left holding the bag when storms and other issues arise.

Protecting Valuable Possessions

Perhaps the homeowner has made some new acquisitions since their policy was last renewed. If specific possessions have been acquired and the homeowner is looking to protect them, these are discussions that must be had. Any homeowner who makes the mistake of assuming that all of their possessions are going to be protected and/or replaced in the event of a storm or any other winter related calamity is sadly mistaken. 

Protecting Against Liability

A homeowner that does not properly maintain their residence and subjects visitors to various dangers is going to be held responsible for the results of these dangers. If they do not obtain the necessary liability coverage, they are placing themselves and their guests in harm’s way. Take the time to inquire about the proper coverage and amend your current policy as needed.

Looking for the proper assistance when it comes to home insurance policy? If so, Express Insurance is here to help any Longwood, FL resident with their questions and concerns. Take a moment to visit our website to find out more and be sure to schedule a consultation if you would like to discuss your policy review with an experienced professional. 

What Parents Need to Know About Adding Teen Drivers

Although your teen may find driving to be the most exciting thing to happen in their entire life, you as the parent, are probably feeling much anxiety over this new change. This is normal as driving is a huge responsibility as well as a new expense. Here are a few things to keep in mind when you are preparing to add a teen driver to your auto policy. 

Keep an Eye on the Details

Things have changed quite a bit since you got your license. Many states have new restrictions on when teens can drive and who can be passengers in the car with them. In order to avoid costly tickets, it is important that both you and your child understand these laws. There are also many details concerning how and when to insure your new driver. You will need to discuss these details with the folks at Express Insurance serving Longwood, FL and surrounding areas. 

Shop Around

This is a good time to shop around to make sure you are getting the best deal. Some families find that once a teen is added they can get a better deal with a new company. Give yourself plenty of time to shop and find the best deal for you. 

Insist on Good Driving Practices

Make sure that your teen understands that you will not tolerate poor driving practices. Poor driving practices are first of all dangerous, but secondly, they can also be costly to you as the parent. Your teen should understand that once they take on the responsibility of driving they are also taking on the possible consequences of their driving. 

If you would like to discuss adding a teen driver to your policy, please contact us at Express Insurance, now serving Longwood, FL and surrounding areas. 

 

Who Should Get an Umbrella Insurance Policy

If you own a home or have a lot of assets to protect, umbrella insurance can protect you when there is an accident or event where you may wind up being sued. Since you can’t foresee when something will happen, staying covered can be a wise choice and you may be thankful you had insurance to protect you and your assets. You may quickly find yourself in a civil suit if another person is injured on your property, vehicle or because of something you did. Umbrella insurance can protect you in these events. 

Many People Benefit From Umbrella Insurance

Owning a home can make you vulnerable to liabilities should something happen to another person on your property. Homeowners aren’t the only ones who benefit from umbrella insurance. People who have services like coaching or volunteering, vehicle owners, and those who own rental properties are just a few types of people who can be covered with umbrella insurance. This type of insurance gives extra personal protection where your standard homeowners and vehicle insurance may not cover such incidents and accidents. 

How Does It Work

Umbrella insurance can help pay legal expenses in liability cases whether you win or lose a civil suit. If you lose a case, things like having your wages garnished can happen and be covered with umbrella insurance can offset this so you don’t wind up paying for years.

If you are a homeowner, own rental properties or have a business working with people, getting umbrella insurance can be a good way to protect yourself if an accident happens and you are sued. Call Express Insurance of Longwood, FL to set up an appointment to speak to a representative about umbrella insurance. We will be happy to help you with your insurance needs to give you greater peace of mind.