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Express Insurance

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

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What is the most important kind of commercial insurance to have in Longwood, FL?

There are so many kinds of commercial insurance that it can be confusing. You don’t want to pay for insurance you don’t need, but you can’t afford to go without necessary insurance to protect your interests. Express Insurance can help you explore your options to decide which kinds of commercial insurance you need to protect your Longwood, FL business.

General Liability Insurance

Considered the most basic kind of insurance, your general liability policy will protect you from standard risks, such as when customers are injured. Liability insurance also covers property damage your business is responsible for and torts like libel. If you have a commercial lease, you may already be required to have general liability coverage.

Worker’s Compensation Insurance

If your Longwood, FL business has at least four employees, you are legally required to carry workers’ compensation insurance. However, you may still choose to carry this insurance even if you are a sole proprietor because it can cover injuries to you that regular health insurance may deny.

Commercial Auto Insurance

If your Longwood, FL business uses any autos or trucks in the course of business, you need commercial auto protection. Your regular auto insurance will not cover any claims for accidents that occurred to work vehicles or during the course of business.

Umbrella Insurance

An umbrella policy adds extra protection to all your other commercial insurance policies.

Other Kinds Of Commercial Insurance

There are several other kinds of commercial insurance, such as business closure insurance and professional liability insurance. Every business is different, and your business has its own unique needs. If you want to explore your options commercial insurance options, please call Express Insurance today.

Some of the Most Common Disasters That Can Threaten Your Home

Homes are often a family’s most valuable investment. Unfortunately, however, you may find that natural disasters threaten your home. Thankfully, you can take out home insurance policies to cover many events. That said, it is crucial to study each policy as not every natural disaster may be covered. Let’s look at some natural disasters you should watch out for as a homeowner. Contact Express Insurance, serving Longwood, FL, if you have questions.


In Florida, hurricanes are perhaps the most well-known natural disaster. These powerful storms can impact entire communities and regions. If you own a home in Florida, preparing for hurricanes is essential. That includes taking out the right insurance policies.


Wildfires can also cause widespread devastation. If a wildfire has broken out near your home, it’s important to prioritize safety. These natural disasters can prove especially deadly and often very unpredictable.

Tornadoes and Water Sprouts

While Florida doesn’t experience as many tornadoes as other parts of the country, these weather events are still a grave threat. Unfortunately, if a tornado strikes your house, it could quickly be destroyed. You may also lose vehicles and other pieces of property.


Many Floridians are familiar with floods. Floods are common since Florida is a low-lying state surrounded by oceans and is regularly hit with powerful storms. For better or worse, however, damage caused by flooding may not be covered by your standard homeowner’s insurance plan. Fortunately, it may be possible to acquire coverage by taking out a separate flood insurance policy.

Ultimately, natural disasters can be devastating. Fortunately, the right home insurance policies can provide protection if you live in or near Longwood, FL. Contact Express Insurance to discuss policy options.

What is the value of having an auto insurance plan in Longwood?

Owning a car is essential for anyone in the Longwood, FL area. When you own a car here, you want to ensure that you follow all rules and protect the vehicle as well as you can. This can be done with a proper auto insurance plan. Various types of value and benefits come when you invest in a quality auto insurance policy in this part of the state. 

Protect Your Vehicle

A car is one of the most expensive and important items you will ever acquire. Today, vehicles can cost tens of thousands of dollars. Because of this, you will want to ensure that your investment and assets are always covered. If you get a full comprehensive insurance plan for it, you will have support if the vehicle is stolen or involved in an accident resulting in damages.

Liability Support

Another advantage of having this type of insurance is that you will receive liability support. Any car owner should be aware that there is always a chance they could cause an accident. If you are at fault, it will be vital that you pay restitution to the other party. If you are adequately insured with auto insurance coverage, you will have the financial support to handle these claims.

If you buy a car in the Longwood, FL area, you will want to be assured that you get the right insurance plan. If you are looking for an auto insurance plan here, call our Express Insurance team. There are a lot of important choices to make when looking for coverage, and Express Insurance will ensure you remain adequately supported at all times. 

Do Kiosks Need Commercial Insurance?

If you own a business, you’ll need adequate Commercial Insurance coverage. Protecting your investment is essential whether you own a large company or a small kiosk. Express Insurance can assist the business owners of Longwood, FL, with their mission to secure adequate insurance coverage.

Kiosk Insurance Coverage 

A kiosk is a business that relies on its inventory to make a profit. Kiosks need adequate Insurance protection that covers inventory and the kiosk itself, along with any other relevant items used for business purposes. If you want assistance finding the right insurance coverage for your kiosk, our insurance agents can help.

They can carefully assess your specific situation and make insurance policy recommendations that meet those needs. They can also explain the terms and conditions of each policy to help ensure it matches your goals and business coverage needs.

Once you select your insurance policy, your insurance agent will work with you to submit the information and documents necessary to obtain your coverage immediately. Additionally, our agents are here to support you with any changes to your policy or claim submissions you may have in the future. It’s all a part of our commitment to exceptional customer service.

Learn More Today 

The right insurance can mean the difference between business success and total loss. Please call or stop by the office of Express Insurance today to learn more about our various products and services. We proudly work with the residents of Longwood, FL, to help them secure Insurance protection that gives them peace of mind and limits risk. Reach out to us today to find out how we can work together to secure your kiosk business and provide peace of mind.

What Are the Insurance Risks When You Work From Home?

For those who work from home, it is essential to understand the risks that may be present – but not covered under a traditional homeowner’s insurance policy. The insurance professionals at Express Insurance, serving the greater Longwood, FL vicinity, offer their guidance regarding the insurance risks when working from home.

What Are the Risks When You Work From Home?

Working from home, if you work for another company (and not for yourself), creates unique risks because, from a technical perspective, you are on your own property working for a separate company. Each employer determines the specific protocols for at-work employees and business-related activities, so it is important to understand how and if you will be compensated should something happen.

First, if you have one, check your current renter’s or homeowner’s policy to see if there are exclusions related to business activities. Then consider these potential situations –

  • If a business client is injured on your property, you should have sufficient liability or consider adding a rider or additional coverage.
  • Business Equipment/Property can be expensive, so ensure you have insurance coverage should there be a loss.
  • Depending on the work, the following types of policies may be a smart business move –
    • An Errors & Omissions Insurance policy can protect you from issues regarding your professional services.
    • Cybersecurity/Data Breach insurance covers cyber-attacks or other issues that may occur with possessing sensitive information digitally.

Contact a Leading Longwood, FL Insurance Company Today

For additional information and other potential coverage options while working from home, contact the licensed professional at Express Insurance. We can be reached online or at 407-215-7318 and look forward to helping you protect what matter most.

Why should I get an auto insurance plan for my Florida vehicle?

If you are living in the Longwood, FL area, you will likely find that owning a car is a smart idea. When you own or lease a vehicle here, you must ensure you have proper insurance. There are multiple reasons why someone in this part of Florida will need to get an auto plan here. 

Protect Your Vehicle

An important reason to have an auto plan when you are in this part of Florida is so you can protect your vehicle. All car owners in this part of the state will want to be assured that their investment is adequately covered and supported. A great way this can be done is by getting auto insurance. If you have a full plan, it will help you if you are a theft or accident damage victim. 

Minimize Liability Risks

Getting auto coverage to minimize your liability risks is also a good idea. All people who drive a car will take on the risk that they could cause an accident when behind the wheel. Because of this, it is essential that you carry the proper insurance to reduce this risk. If you have liability coverage, it will give support if you are found liable for an accident on the road. 

Anyone who owns a car in the Longwood, FL area needs to ensure they get proper insurance for it. Today, there are a lot of choices to make when looking for auto coverage, and our team with Express Insurance can help ensure you select the right plan. Our professionals at Express Insurance take a customized approach to help you evaluate your options and needs to ensure you remain adequately covered. 

Umbrella Insurance for Non-Profit Organizations in Longwood, FL: Protecting Your Mission

As a non-profit organization in Longwood, FL, your mission is at the core of everything you do. Protecting that mission and your organization’s assets should be a top priority. This is where umbrella insurance comes in. At Express Insurance, we understand non-profits’ unique risks and can help you find the right policy to protect your organization.

The Importance of Umbrella Insurance for Non-Profits

Umbrella insurance provides an extra layer of protection for your organization beyond your standard liability coverage. If a catastrophic event occurs, such as a lawsuit or property damage claim exceeding your current coverage limits, umbrella insurance can help bridge the gap and prevent your organization from financial ruin.

Examples of How Umbrella Insurance Can Help

Consider this hypothetical scenario: A non-profit organization hosts a fundraising event, and a volunteer accidentally injures a guest. The guest files a lawsuit seeking $1 million in damages, which exceeds the organization’s liability coverage limit of $500,000. Without umbrella insurance, the organization could be forced to pay the remaining $500,000 out of its own pocket, potentially jeopardizing its financial stability and mission. Umbrella insurance can help cover the remaining costs, protecting the organization’s assets and ability to continue its work.

Working with Express Insurance

We understand the specific needs of non-profit organizations in Longwood, FL. Our experienced agents can help you find the right umbrella insurance policy to meet your organization’s unique needs and budget. We are committed to providing personalized service and ensuring you have the coverage you need to protect your mission and assets. Contact us today to learn more about our umbrella insurance options and to receive a quote.

What Are Some of the Lesser Known Benefits of Renters Insurance?

Renters insurance helps to protect the property you store in a rental home in case of fire, flooding, or theft. However, while this is the most significant benefit that most people know about regarding renters insurance, it is not the only benefit. Here at Express Insurance, serving the greater Longwood, FL area, we want to help you learn more about the lesser-known benefits of renters insurance. 

Living Costs If Your Rental is Uninhabitable

If your rental home becomes uninhabitable, your renters’ insurance policy will help cover the costs for a safe and inhabitable place to live. If your rental is only uninhabitable for a short period, the rental policy may cover the cost of a hotel room. Suppose your rental home is unavailable for a prolonged period. In that case, the rental policy may cover the difference between a short or long-term rental and your rental expenses at your rental home. 

Legal Expenses If You’re Sued

If someone is injured in your rental home, they may try to come after you. Your renters’ insurance policy covers medical expenses if someone is injured in your rental space and legal expenses if you are sued by someone injured in your rented space. 

Off-Premise Coverage for Belongings

The final benefit of renters’ insurance is its off-premise coverage for your belongings. For example, if you go on a trip and belongings get stolen from your hotel room, your renters’ insurance policy will cover that loss. 

Renters’ insurance covers many different types of events and has many benefits that most people are unfamiliar with. If you are looking to purchase a renters’ insurance policy in the greater Longwood, FL area, let Express Insurance help. Call us now to get started. 

Should You Bundle Condo Insurance with Other Policies?

If you’re a Longwood, FL condo owner (or plan on becoming one soon), choosing the right condo insurance is naturally necessary. But are there advantages to bundling your condo policy with other types of insurance?

At Express Insurance, we can help you unpack all your options for a decision you’ll be happy with. But in the meantime, here’s a look at some helpful information.

Why is condo insurance important?

Condo insurance is specifically tailored to the needs of condo owners, covering many of the grey areas standard homeowners insurance doesn’t. Most policies cover the structure of your condo (walls, floors, etc.) and much of your personal property. Condo insurance also covers you should anyone ever sustain injuries or property damage while at your condo.

Why bundle condo insurance with other policies?

Like most people, you probably carry more than one type of insurance – for example, homeowners or condo insurance plus auto and life insurance. Bundling your condo insurance with other policies brings benefits like the following.

Save time and money

Everyone is looking for ways to save as much money as possible regarding the essentials in life, insurance included. Bundling your condo insurance with other policies could save you a small fortune, especially when covering personal property and valuables you keep at home.

It also takes a lot of confusion and guesswork out of the process of updating, renewing, or managing your policies.

Streamline your claims

No Longwood, FL condo insurance policyholder ever wants to file a claim – especially one involving a natural disaster or another significant occurrence affecting their condo and personal property. But if the unthinkable ever happens, having your policies bundled under one provider can make the process easier, faster, and much less of a headache all around.

Contact a representative from Express Insurance today, and let us help you pinpoint the best way to bundle your ideal condo policy with other policies you may need! We’d love to help you protect what’s most important to you.

Five Reasons Why Export Credit Insurance is Vital for Business

Export credit insurance is vital since it safeguards the receivable accounts of a company in foreign business. The insurance covers any business doing exports such that if a customer defaults because of issues like commercial or political risks, the company is compensated for a certain percentage of its invoice. Therefore, export credit insurance from Express Insurance empowers exporters and helps them grow and easily manage their businesses. Here is how our export credit insurance benefits any exporter in Longwood, FL. 

Five Advantages of Export Credit Insurance

Boost Sales

This insurance is like a safety net that allows you to venture into more opportunities and make more sales. You can allow customers to buy on credit or increase your credit line without issues.

Expand to New Markets

As long as you are protected with export credit insurance from Express Insurance, it is safer, and you become more comfortable investing in new markets. You confidently know that your business will be compensated with up to 90% of your invoice should your customer default.

Access More Financing 

Another great thing about having this insurance is that banks and other financial institutions in Longwood, FL, will be more than willing to lend you against your account receivables. This is because of the kind of backup you come with when borrowing finances.

More Tax Benefits

You need to know that the premiums you pay for export credit insurance are tax deductible. Therefore, when you purchase export credit insurance from Express Insurance, you enjoy more tax benefits than you can with any other kind of insurance. 

Proper Credit Management 

There is a lot to handle in the export business, so you may lack time to manage credit risks. The best thing about export credit insurance is that it offers credit management benefits by assessing buyers and collecting receivables. 

Key Takeaways

These are the benefits that come with export credit insurance. If you need support for your business, regardless of size, contact us for help. We offer insurance backup in Longwood, FL, to keep your export business safe from any financial risks to increase your international sales.