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

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Required Commercial Insurance in Florida

Owning a company in Florida comes with plenty of responsibilities, and having the right commercial insurance is one of them. There are two types of commercial insurance that many businesses in the state are required to have. In addition to those, there are several useful types of commercial insurance, such as business owner’s insurance and cyber insurance, that can be highly beneficial to your company. If you need commercial insurance policies, give us a call at Express Insurance in Longwood, FL.

Workers’ Compensation Insurance

Different states have different regulations for this type of commercial insurance. In Florida, you are required to have it if you have at least four employees, and it doesn’t matter whether they are part-time or full-time. This insurance pays for the medical bills and the lost wages of an employee after they suffer an injury at work or get a work-related illness there. This is an important protection for workers, but it also protects your business from having to pay massive medical bills after an on-site accident. 

Commercial Auto Insurance

If your Florida business owns a vehicle, that vehicle must have a commercial auto insurance policy. There are specific amounts mandated by the state for the minimum amounts of protection you must have. However, those amounts are extremely small, and it’s highly recommended that you get more coverage to protect yourself and your business. This insurance must include coverage for property damage liability and for personal injury protection. If you have a business that often uses a vehicle of yours, but the business doesn’t actually own it, there is a different type of insurance that you should get for it. It’s called hired and non-owned, and it will protect you better than a personal policy that may not payout if the vehicle was engaged in work tasks. 

Get Your Commercial Insurance Policies

If you own a business, it’s important to have the commercial policies you need to protect it. Give us a call at Express Insurance in Longwood, FL.

Is Umbrella Insurance Mandatory in Florida?

Umbrella insurance coverage in Longwood, FL offers solidified additional liability protection. As a Longwood FL resident, have you ever thought about what could happen if a high magnitude calamity struck in Longwood, FL and you have depleted the prevailing policy limits of other underlying coverages like home and auto? Regrettably, many residents bear the notion that umbrella insurance is only for the rich. Contact us at Express Insurance situated in Longwood, FL today. Our dedicated team will help you forge strong coverage to guard your hard-earned assets in today’s litigious society.

Is umbrella insurance mandatory in Florida?

Umbrella insurance is not mandatory in Florida, but it’s prudent to acquire one, particularly if you own assets to protect them from a lawsuit. Umbrella insurance is a supplemental coverage designed to protect you beyond existing limits and coverages of other primary policies. You may be owning a home, boat, or auto insurance, but they can only safeguard you up to a certain limit. In the case of substantial claims, these coverages can get depleted, compromising your assets.

 Types of umbrella insurance coverages

Bodily injury liability coverage: It safeguards you from bodily injuries you propagate to other parties when you are found guilty. These impending expenses consist of medical bills or liability claims that can culminate from:

  • A severe auto accident where you are legally responsible
  • When a guest in your dwelling accidentally slips or falls

Property damage liability coverage: It reimburses the cost of damage you propagate to another person’s tangible property. It entails the cost of damage to vehicles and other property due to an auto accident where you are legally responsible.

Owners of rental unit coverage: It shields you from impending liability you may encounter as a landlord, such as your tenant’s pet biting someone, and you are deemed responsible for the injuries

Are you looking for outstanding umbrella insurance coverage in Longwood, FL to enhance your liability coverages when your other policies run out? Call or visit us at Express Insurance, and our agents are looking forward to helping you with your insurance needs.

Does Renters Insurance Cover Hurricane Damage?

Those in Longwood, FL do have coverage for hurricanes within their renter’s insurance policy. However, the amount of coverage and full availability does depend on several factors. For example, your policy should cover the items inside the structure, while your landlord should have an insurance policy to cover the building’s structure. 

For help determining the amount of hurricane coverage available, call our specialists at Express Insurance. 

Renters Insurance Coverage

A renters insurance policy generally covers the contents of an apartment or rental home. Some policies also cover items stored in a designated storage unit. This type of insurance only covers what is inside the dwelling and not the structure. Your landlord is the one responsible for carrying insurance on the structure. 

Hurricane Damage Coverage

If an insurance policy covers you depends greatly on the damage and the cause of it. For example, hurricanes have damage-causing elements, such as wind, hail, and lightning. Damage caused by these elements would be covered under a renters insurance policy. However, unless there is flood coverage within the policy, you may not be covered in the event your rental unit becomes flooded during the hurricane.

Should your personal belongings become damaged during the hurricane, your renter’s insurance policy should cover the replacement costs. Additionally, if the rental unit becomes inhabitable after the storm, you may receive additional living expenses to find a new place to live. 

Evacuation Expenses

Sometimes a hurricane prompts evacuations in the area. Generally, renters insurance does not cover evacuation expenses. However, some insurance companies include prohibited-use clauses in their policies, which may help cover some costs associated with a forced evacuation. 

Many tenants opt not to get renters insurance, but they could lose all of their items inside their rented unit when disaster strikes. Do not let this happen during hurricane season in Longwood, FL. Contact Express Insurance today for additional information about renters insurance and hurricane coverage. 

How Condo Insurance Protects You

Getting condo insurance is an important responsibility that you have when you own a condo. These policies protect you against an array of things that can go wrong. If you are buying a condo and need condo insurance, contact us right away at Express Insurance in Longwood, FL. 

Liability Coverage

One type of condo coverage is one that people don’t think about when it comes to their condo. Liability insurance for condos is just as important as it is for houses. It is a type of coverage that comes in handy if someone were to get sick or injured while in your condo. This coverage pays for the medical bills from an illness or injury that happens there, and it’s included in virtually all condo policies. 

Dwelling Coverage

Another part of your condo policy protects the dwelling itself. While the outside of the condo is not your responsibility and must be insured by your condo board, the inside is insured by the owner. This coverage covers major damage being done to the inside of the property. If there were to be an accident, calamity or disaster that causes major damage, you know it will be taken care of when you have this coverage. 

Possessions Coverage

Another type of coverage you get from your condo insurance is protection for your belongings. This coverage type is vital for helping you to rebuild your normal life after a serious incident has ruined or destroyed your things. It can help you get things back to normal by replacing many of the items you owned. 

Condo Coverage

Every condo owner needs condo insurance. If you don’t have your policy yet, call us today at Express Insurance in Longwood, FL.

How umbrella insurance works.

Umbrella insurance is liability insurance that applies to liability claims against you that are larger than those covered by your primary home and auto insurance policies. It is not a policy that is required by law in Longwood, FL.  However, Express Insurance experts advise that you purchase this coverage to provide for those unpredictable moments when you find yourself in a situation where the liability costs far exceed the limits covered in your primary insurance.   You qualify for the umbrella policy in Florida only if you own auto insurance liability protection that carries a bodily injury liability limit of 250/500 and a homeowner’s insurance liability of $300 000. When the claim against you is larger than those covered amounts, the umbrella insurance policy coverage will start.

You may wonder, why in the world would you need additional cover if you already are covered by the basic policies. The limits covered on those policies seem like a large amount until you find yourself liable for another’s medical bills that can run up to millions of dollars.  What will you do then? According to the law, if you cannot pay your liability obligation, the state will claim your savings and retirement policies in an attempt to cover the outstanding amount.  Once depleted,  it may take many years to restore your savings and retirement provision. To protect yourself from financial hardship on top of dealing with the traumatic event in your life, the umbrella insurance policy will protect you against such a devastating financial loss.

So, how much umbrella insurance coverage do you need? It depends on personal circumstances. The best way to ensure that you buy enough coverage is to discuss your needs with Express Insurance experts in Longwood, FL.

A Thorough Overview Of Renters Insurance

Express Insurance serves the Longwood, FL community by offering residents different types of insurance coverage. We proudly serve as an independent agency. We offer our clients multiple types of policies so that they can find coverage that suits their needs.

Renters Insurance Overview

If you are renting a property in the Longwood, FL community, consider the benefits of renters insurance. Renters insurance covers your personal items if an emergency happens. You will be covered if your personal items are damaged, stolen, or vandalized. Liability coverage is also an asset, especially if you have a pet or you enjoy hosting friends and family. You will be protected if someone is injured at your unit or if your pet causes damage to someone else’s property.

Take inventory of the personal items inside of your home. This will help give you a reference if you are a victim of theft. If you have luxury items in your unit, you can add extra coverage to protect those items in case something happens. Also, be aware that you can add coverage to the personal items that you use away from your rental unit. You’ll be protected if the personal items that you keep in your car are stolen or damaged.

The policy also covers you if your unit suffers serious damage and you have to seek temporary housing elsewhere. As a Florida resident, you have to prepare for the threat of serious weather at any time. In some cases, you may have to add extra coverage in order to protect your personal items. Flood insurance coverage is something that you should consider adding. When cases of severe weather cause flooding, your personal items will be protected if they are damaged.

Express Insurance Will Help You Protect Your Valuable Possessions

Visit our website today to learn more information about renters insurance.

Three problems you could face if you don’t make the right decision on your auto insurance policy

Car insurance mistakes can be costly if it turns out that you need to file a claim. At Express Insurance, we can help you meet your auto insurance needs in Longwood, FL.

The following are three problems you could face if you don’t make the right decision on your auto insurance policy.

Paying out of pocket for damage to your vehicle

The costs of vehicle damages can be extremely high. If you don’t purchase collision and comprehensive coverage, you could end up having to pay repair costs out of pocket.

This could create significant financial problems for you if your vehicle is involved in a severe accident and experiences a lot of damage. 

Having no transportation while your damaged vehicle is in the shop

One thing you really need to look out for on your collision coverage policy is rental car insurance. Rental car insurance will cover the costs of renting a vehicle when your vehicle is being repaired. This really comes in handy so that you have transportation available after an accident until your vehicle is repaired. 

Ending up in debt as the result of liability damages

If you are found at fault for a severe accident, liability damages can put you in debt. This is especially true if you’re involved in an accident that includes personal injury and medical bills.

You should purchase a sufficient amount of liability coverage when you buy auto insurance. This will minimize the chances that you’ll face debt as a result of a vehicle accident.  

Research your auto insurance options in Longwood, FL. We’re here to help you at Express Insurance. Get in touch with us to learn more about the auto insurance policies we offer. 

Required Commercial Insurance in Florida

In Florida, there are few regulations about commercial insurance that are required for business owners. However, it is smart for every business owner to get a variety of policies that cover things like liability and professional mistakes. If you need commercial insurance in Florida, give us a call at Express Insurance in Longwood, FL to talk to an agent about your coverage. 

Workers’ Compensation Insurance

If you have a business in Florida, you are likely required to have workers’ compensation insurance coverage. This is required for all businesses in the state that have at least four employees, whether those employees are full-time or part-time. If your business is a construction business of any kind, this requirement kicks in for businesses that have at least one employee. Workers’ compensation insurance pays for the medical bills accrued by employees who have injuries or get sicknesses at work. 

Cyber Insurance

Though it isn’t required for Florida businesses, getting cyber liability coverage and data breach insurance is a good idea for businesses that have an online aspect. These can help you if you have a breach from a hacker and data is taken or seen. This insurance covers all aspects of these attacks, making it an important type of coverage for businesses of every size.

Business Owners’ Insurance

This kind of insurance can cover a number of different catastrophes that can happen to a business. It generally includes commercial property insurance and general liability insurance. There are many problems that can occur within a business, and this kind of insurance covers many of them. 

Insurance Coverage

In Florida, it’s important to have both the required insurance coverage as well as commercial policies that cover your type of business. If you need insurance for your business, call Express Insurance in Longwood, FL to make an appointment with an agent. 

A Look At How Umbrella Insurance Can Assist Entrepreneurs

Based in Longwood, FL, Express Insurance strives to help people find the insurance coverage that they need in a timely manner. We offer a wide array of options to ensure that our clients find the insurance coverage that they need. As an independent insurance agency, we look around to make sure that all of our client’s needs are addressed.

Umbrella Insurance

Umbrella insurance is important because it offers that extra layer of protection when people need it most. You can add umbrella insurance across multiple policies. When a serious situation arises, umbrella insurance can help prevent disaster from occurring. Entrepreneurs should consider the benefits of umbrella insurance.

The policy assists entrepreneurs as they attempt to grow their portfolio. Without umbrella insurance, entrepreneurs are putting their financial security at risk. As an entrepreneur, once you start to become successful and establish your brand, umbrella insurance will help protect your personal wealth. Research shows that many entrepreneurs are not aware of how beneficial umbrella insurance policies are.

It’s important to do some research to figure out how much coverage you need. Accidents happen and unforeseen circumstances arise. The policy protects your business in the event that one of your employees is injured in a freak accident. These types of accidents on the job continue to rise every year, which is why umbrella insurance is so beneficial to businesses.  That’s why umbrella insurance can help you navigate some of the risks associated with operating a business.

Express Insurance Can Help You

For more information on how umbrella insurance can help your business, stop by our office in Longwood, FL. We will assist you as you look at different quotes until you find the one that will properly secure your assets.

Should Florida tenants have renters insurance?

Whether you are renting a condo on the beach in Florida or a house in the suburbs, you will want to obtain a renters insurance policy. Does this mean you are required to do so? No, you are not required to have renters insurance in Florida unless your landlord requires it but it’s still a good idea to obtain a policy. While the home or apartment you are renting is covered by the landlord’s property insurance policy or under your apartment complex company’s policy, that only includes the structure itself and not your personal possessions. To replace items lost if a disaster occurs, including your furniture, household goods, and appliances, you will need your own renter’s insurance policy.

A renters insurance policy will keep your items safe because they will be replaced or repaired if they are damaged or lost due to a burglary or theft, destroyed by a fire or lightning, windstorm, or explosion if smoke damage or glass breakage occurs, or in the event of a hailstorm or flooding due to burst pipes or overflowing bathtubs.

A typical renter’s insurance policy will provide you with personal property protection that will replace your belongings in case of a covered loss. It will also give you liability protection that covers you financially if a guest to your home or apartment is injured and decides to sue you. This type of policy will also pay for the costs that you incur if you have to stay somewhere else while your apartment is uninhabitable after a disaster and it covers medical expenses if a guest is injured in your home or apartment.

Renters insurance policies are extremely affordable so it’s crazy not to be covered. Keep yourself and your possessions covered by obtaining a renters policy that is created specifically for you and your needs by enlisting the assistance of an experienced and trusted insurance agent at Express Insurance in Longwood, FL today!