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Express Insurance

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

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Author: agentinsure

When Was the Last Time You Reviewed Your Commercial Insurance Policy?

Posted on by agentinsure

Your business relies on its commercial insurance policy to provide help when covered events occur. As a business owner, you can help ensure that your commercial insurance will meet your needs by reviewing your commercial insurance policy periodically. At Express Insurance servicing Longwood, FL, we can help you with the commercial insurance review process. By going over your existing coverage, discussing changes to your business, and exploring new coverage options, we can help ensure that you always have the coverage you need when you need it. 

How Often Should You Review Your Commercial Insurance Policy?

Most business owners need to review their commercial insurance policy every year to ensure that their insurance policy provides adequate coverage. This is especially important if you’ve made changes to your business that could trigger requirements under the law. For example, if you’ve hired employees recently, you may be required to carry workers compensation insurance.

Sometimes workers’ comp requirements are tricky, and not every business owner knows what’s required by law. To determine whether you need this type of insurance or another type, talk to your insurance agent.

How Should You Review Your Commercial Insurance Policy?

To start reviewing your commercial insurance policy, contact your insurance agent. Your insurance agent can help you determine what coverage levels are right for your business and what needs to be added or reduced. To get started, review your commercial insurance coverage before having the conversation with your insurance agent. This way, if you have any questions, you’ll be ready to ask them.

Call Your Insurance Professional Today

If you need commercial insurance, contact the professionals at Express Insurance servicing Longwood, FL. Our insurance experts are here to help you find the right level of coverage for your business. 

Will Home Insurance Cover Damage From Power Outages?

Posted on by agentinsure

Home insurance can help you make repairs after a covered disaster. Power outages can cause quite a bit of damage, from power surges destroying electronics to spoiled food and more. There are a few times that your policy will pitch in to help, and a few things you need to know. 

Covered Perils

Your Longwood, FL policy will only help if the power outage is due to a covered peril. Most policies cover many natural disasters, wind storms, and lightning damage. However, things like car accidents hitting a telephone pole are usually excluded. An agent at Express Insurance can help you learn more about your coverage. 

Power Surges

Power surges occur when a sudden burst of power travels through the wiring, which can fry electronics. It can also trip a breaker. These are covered only if they result from a covered event, such as a lightning strike. Your policy won’t cover issues like an overloaded circuit caused by a homeowner plugging in too many devices. 

Coverage Limits

Your policy will have certain limits for specific things. Often, reimbursement for spoiled food is capped at a few hundred dollars. It’s common for personal belongings coverage to be a certain percentage of your policy, such as 10%. Electronics may be excluded as high-value items. You also have to pay a deductible before your policy will kick in to help cover damages. 

Friendly agents here at Express Insurance can help you learn more about what your policy covers and how reimbursement for things like food spoilage works. Contact us today to learn more. We’re currently serving the Longwood, FL area. 

What Is a Declarations Page?

Posted on by agentinsure

When you first get your auto insurance policy (or, really, any insurance policy), it’s easy to feel intimidated by the sheer weight of the information that you’re theoretically supposed to read through. Not only are you supposed to read through it all, but you’re expected to know how different clauses apply to real-world situations.

The good news is that there is a one-pager that you can use to answer the big questions. Called a declarations page, the sheet condenses most of the information into a handy reference. 

What Does the Declarations Page Include?

The declaration page includes the following information:

  • Basic policy details: Lists the dates of coverage, policy number, and potentially the name of your insurance agent. 
  • Your information: This includes which drivers are covered, whether that’s just you or several members of your family. It also lists the make, model, year, and VIN of your car. 
  • Coverage: Lists the type of coverage, limits, and deductible. If you have two vehicles under the same policy with different coverage limits, it will separate the two types. 

Is a Declarations Page Proof of Insurance in Longwood, FL?

In general, no. At Express Insurance, we encourage drivers in Longwood, FL to keep their insurance cards with them at all times, even if it’s just the digital version on your phone. A declarations page is generally meant as a refresher for the policyholder. 

At Express Insurance, we know that it can feel like a slog to either search for new insurance or upgrade your coverage. Of course, this is often how people end up with coverage that either doesn’t work for them or that costs much more than they need to pay. If you have questions about your auto insurance, contact us today to learn more about how we can help! 

How to Buy Commercial Insurance for Your Home Cleaning Business

Posted on by agentinsure

Whether you are starting your new business or ready to grow, having the right type and amount of insurance is critical to facilitating the best possible outcome. Mistakes, oversights, and accidents can be costly to a cleaning business, leading to claims against not only your business but, in some cases, your personal assets.

At Express Insurance, we work with businesses of all sizes and types of create policies that protect their individual needs. If you need commercial insurance in Longwood, FL, give us a call for a no hassle quote.

Types of Insurance Your Cleaning Business May Need

A cleaning business typically needs a range of insurance protections to safeguard against all sorts of claims and losses. The following are some examples, though they are far from the only types of risks there are.

  • Liability insurance: Cleaning companies benefit from liability insurance in all cases. If a customer or third party makes a claim against you, such as you causing damage to property or injuries to a person, this policy can offer financial protection.
  • Asset-based coverage. Most cleaning businesses have assets. Commercial asset protection keeps your business safe against losses such as theft, vandalism, or storm-related damage.
  • Commercial auto insurance: If your company is mobile, meaning you go from one area to the next, you likely need commercial auto insurance for your vehicle. This covers the asset itself and the liability risks you face.

These are just some examples of the types of insurance available to you. You may also need workers’ compensation coverage, property insurance for your leased or owned space, and higher levels of liability protection.

Let Us Help You Today

Express Insurance can help you purchase the right type of coverage for your business. For commercial insurance in Longwood, FL, give our team a call.

When Must Prospective Homeowners Purchase Home Insurance?

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When you buy a home, it will represent your hopes and dreams for the future. Homeowners in the Longwood, FL area can learn about their home insurance options at our office. Our experienced team at Express Insurance will help you decide on a home insurance policy that will meet your needs and fit your budget. We’ve been providing service for Florida homeowners like you since 2007.

When Must Prospective Homeowners Purchase Home Insurance?

According to the Bray Law Offices, the state of Florida doesn’t mandate the purchase of home insurance. However, most mortgage brokers will require you to buy home insurance before they agree to provide you with home financing. If you decline to buy home insurance despite the mortgage broker’s request, the lender has the right to buy home insurance on your behalf. This type of transaction will result in the purchase of a “forced-place policy,” and, if this occurs, the buyer will be required to pay the policy premiums for that policy.  

Despite its lack of legal mandate for home insurance, Florida has issued clear directives on which types of home insurance coverage should, ideally, be purchased. According to Wawanesa, when you buy home insurance, the policy must be purchased within three days of the closing. The same website further recommends you get your home insurance at the same time you sign your home contract.

Call Us for Your Appointment Today 

No one can predict when a disaster might strike and cause damage to your home. Our team at Express Insurance can help you find a policy that will help you to be as prepared as possible for future disasters. Homeowners near Longwood, FL have realized they can rely on our team for excellent customer service. Call us today for your appointment to discuss home insurance. 

Do I Need a Separate Policy for My Teenager Who Drives My Car?

Posted on by agentinsure

Families in Longwood, FL, with teen drivers often want to understand how auto insurance works and when their teens can safely and legally drive the family vehicle. If you are preparing for this transition, the agents at Express Insurance can provide the guidance you need.

Teen Insurance Coverage in Florida

There are two main situations to consider when a teen begins driving: when they hold a learner permit and when they obtain a Florida driver’s license.

Learner Permits

Teens aged 15 to 17 who complete state requirements and pass the knowledge exam receive a learner’s permit. Once that happens, the parent or guardian whose vehicle the teen will be driving must notify their auto insurance company. The teen must be listed on the parent or guardian’s policy before they drive. A separate insurance policy is not required for a learner’s permit.

Teens With a Florida Driver’s License

Once a teen receives a Florida driver’s license, the parent or guardian must notify their insurance company so the new driver can be added to the policy. Failing to add the driver can lead to coverage issues, including possible policy cancellation.

Adding a licensed teen driver may increase the premium, but ask us about available discounts that may help reduce the cost. A separate policy is required only if the teen owns a vehicle registered and titled in their own name.

Contact Express Insurance

If you are preparing your teen to drive in Longwood, FL, contact Express Insurance. We can help ensure your teen is properly covered and help you navigate any questions during the process.

What Are the Most Common Florida Workplace Injuries?

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If you’re a Florida business owner, purchasing commercial insurance is essential. Many business owners in Florida prefer working with an experienced insurance company to ensure they choose the right coverage. If your business is located in Longwood, FL, our team at Express Insurance is here to assist you. We’ve been proudly serving businesses like yours since 2007.

What Are the Most Common Florida Workplace Injuries?

When planning your annual employee education sessions, it’s important to include a discussion about your workers’ compensation plan. While covering workers’ compensation, you should also address how to prevent the most common workplace injuries. According to Florida attorney Adam Baron, P.A., the most frequent workplace injuries in Florida are slips, trips, and falls. These incidents often occur due to wet floors, improper footwear, or uneven surfaces.

In addition to slips and falls, repetitive motion injuries, such as carpal tunnel syndrome, are common among Florida employees. Proper training on workplace equipment and machinery is crucial to prevent injuries. Construction workers, in particular, face a higher risk of injuries due to falls from scaffolding or accidents involving construction tools.

Call Us Today for Your Appointment

Workers’ compensation insurance is just one of the many types of coverage you need for your business. At Express Insurance, we take the time to explain all the necessary types of commercial insurance to ensure your business is fully protected. Companies in the Longwood, FL, area trust our team to answer their insurance questions and provide reliable guidance. Contact us today to schedule an appointment and let us help you safeguard your business.

What if You Let Your Home Insurance Lapse?

Posted on by agentinsure

Home insurance usually isn’t something people think about day to day, until it suddenly isn’t there. In Florida, letting coverage lapse can create issues quickly, even if everything seems fine at first. Between state requirements, lender rules, and the realities of Florida weather, gaps in home insurance through Express Insurance, serving Longwood, FL, matters more than people expect.

What a Lapse Really Means

When home insurance lapses, coverage stops completely. There’s no grace period once it’s inactive. If damage happens during that window, even briefly, it’s generally treated as uninsured. In Florida, that’s especially important because storms, wind, and heavy rain can cause damage that isn’t always obvious right away.

Why Timing Becomes a Big Deal

Florida insurers pay close attention to when damage likely started. Roof issues, water intrusion, and wind-related problems can develop gradually. If an inspection later suggests the damage began while coverage was inactive, that timing can affect how a claim is handled, even if the problem wasn’t noticed until much later.

Mortgage Requirements Still Apply

Most Florida mortgages require continuous home insurance. If coverage lapses, the lender may take action to protect the property itself. That protection is focused on the structure, not the homeowner’s belongings or personal liability. Once this happens, homeowners often have less control over how issues are resolved.

Complications Beyond Claims

A lapse can also cause friction during refinancing, selling a home, or completing post-storm inspections. Gaps in insurance history tend to raise questions and can slow down processes that normally move faster.

For Florida homeowners, keeping coverage active isn’t just about checking a box. It helps avoid unnecessary disputes, delays, and stress when something unexpected happens. Staying aware of your policy status can make a meaningful difference when timing matters most. Contact us here at Express Insurance, serving Longwood, FL, to learn more.

Does Auto Insurance Cover all Passengers in the Vehicle?

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There is a common assumption that auto insurance covers the vehicle, the driver and anything damaged in a collision. However, some also assume all passengers are covered. Is that the case for Longwood, FL car accidents? Express Insurance has the inside scoop.

Auto Insurance and Passengers

In the end, the extent of coverage hinges on the details of the auto insurance policy. Some auto insurance policies are minimalist while others are more comprehensive.

Liability insurance is included to safeguard the auto insurance policyholder against potential lawsuits filed by those injured in the crash. The logic is that the policyholder should not bear the burden of financial loss for damages relating to personal injury resulting from a car crash.

Liability coverage typically includes core components of bodily injury liability and property damage liability. Bodily injury liability is available to cover the potentially significant costs of medical care, rehab and related legal fees.

In contrast, property damage liability is applicable to the cost of repairing property. 

Coverage Beyond Liability Protection

Auto insurance of the PIP variety extends past conventional liability coverage. PIP is an acronym short for personal injury protection. PIP constitutes coverage for damages no matter which party is at fault.

PIP guarantees those injured in automobile accidents are provided with meaningful and timely financial compensation. That compensation is used for causally related medical bills and related expenses.

Additional Coverage

Passengers also have the potential to receive coverage through underinsured or uninsured coverages. Such coverage is applicable when the driver at fault has no insurance or insufficient insurance.

MedPay, short for medical payments, is also available. This form of protection covers bills in the aftermath of a car accident. MedPay is available for both passengers and drivers.

Express Insurance Is Here for You

Contact our insurance team today for a quote. We serve the entirety of Longwood, FL and nearby areas.

Stay Compliant by Having the Right Commercial Insurance

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There are types of commercial insurance that are required for certain Florida businesses and many more that are often recommended but not required. It’s important to stay compliant with the law and get the types you are required to have. Florida has specific rules about which types of businesses are required to have certain commercial insurance policies. To stay compliant, you can contact us to get started. Call us today at Express Insurance, serving Longwood, FL, to find out more.

Commercial Auto Insurance

In Florida, every vehicle that is owned by a company is required to have commercial auto insurance. This isn’t the same as a personal policy, and a personal policy likely wouldn’t pay out if a personal vehicle is used for work. There are specific amounts of liability coverage that are required for these policies, with both bodily injury liability and property damage liability being required. It’s also a good idea to get comprehensive and collision insurance so that you are better protected and can have your own damages taken care of.

Workers’ Compensation Insurance

This is another type of insurance that is required of Florida businesses. These policies pay for the medical bills of employees injured at work as well as their legal costs, disability payments, ongoing therapies, and their lost wages. Any employee can have an accident, and they can be extremely expensive.

Get Commercial Insurance

If you don’t have the policies you need to stay legally compliant, don’t wait any longer to get the policies you need. You can contact us at Express Insurance, serving the Longwood, FL area.