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Express Insurance

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

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Umbrella Insurance Coverage for A New Business

An umbrella insurance policy will provide extra coverage, protecting your new place of business from financial loss.


The following list highlights some items that an umbrella insurance policy would cover.

  • Legal expenses
  • Medical bills (hospital and doctor’s office visits)
  • Judgments and settlements
  • Property rehabilitation expenses

Optional Coverage

Umbrella insurance coverage is optional. An umbrella policy absorbs costs that standard insurance products don’t handle. As a new business owner, you may have decided to purchase some basic insurance products. The insurance products will protect your assets in most cases.

If you are ever faced with a legal battle, however, the basic insurance coverage you have obtained may not handle all the expenses you are responsible for. In this type of situation, umbrella insurance coverage would kick in and pay for the expenses that the primary business insurance doesn’t cover.

Risk Assessment

Performing a risk assessment may indicate whether obtaining an umbrella insurance policy would be wise. Your risk assessment should include evaluating your equipment and determining the likelihood of an accident occurring at your place of business.

If a large number of risks are uncovered during the assessment, you may decide to invest in an umbrella insurance policy.

For example, if potentially dangerous machinery or substances are used in your place of business, you may be concerned about injuries. This may persuade you to purchase an umbrella policy providing extra protection.

Contact Express Insurance

Contact one of our insurance agents serving Longwood, FL. At Express Insurance, you can review umbrella policies that will provide your new business with plenty of liability protection.

Is Renter’s Insurance Mandatory in Florida?

You can benefit from renter’s insurance if you rent a home, condo, or apartment in Longwood, FL. Your landlord’s insurance doesn’t cover your personal belongings or protect you from liability claims if someone is accidentally injured on your rented property. A renter’s insurance policy from Express Insurance in Longwood, FL can do both and more to safeguard your assets.

Is Renter’s Insurance Mandatory in Florida?

No, it’s not – unless specified by your landlord. Otherwise, it’s up to every individual renter whether to purchase a policy or not. By weighing the pros and cons of this coverage, you can decide if it’s a good investment for you. As renter’s insurance is extremely affordable, we highly recommend this protection to renters in our local area.

Why Renter’s Insurance is Important

You can purchase renter’s insurance to protect your personal belongings from theft or disaster damage. Most policies cover common perils like storm damage, hail, fire, hurricanes, and other disasters. If you can imagine the damage that an unforeseen disaster can cause, you’ll have a greater appreciation for the protection a renter’s property insurance offers. 

Then, liability coverage protects you from accidental injuries on your rented property. Although family gatherings and dinner parties are a lot of fun, they also pose a greater risk of accidents in the house or yard. Renter’s liability insurance covers the costs of accidental injuries, so you don’t have to!

Lastly, suppose your rented home becomes unlivable due to disaster damage, and you have to move out while repairs are done. In that case, additional living expenses coverage helps pay for the cost of living elsewhere until you can return home.

Affordable Renter’s Insurance in Longwood, FL

For quality renter’s insurance coverage at an affordable cost, contact Express Insurance in Longwood, FL. We’re here to meet all your insurance needs.

Four Areas That Your HOA Considers Community Property

As a condo owner, you’ll find that you have space that belongs to you as the owner and other spaces that are considered community property. With an HOA onsite, knowing what areas are considered community properties and covered by the HOA insurance costs you pay each month is important. Below are the areas that the HOA believes community property. 

1. Lobby or Foyer

When you first enter your condominium, you’ll enter a lobby or foyer before you find the stairs or elevators to the different condos. This area is a community space shared by all the condo owners and managed by the HOA. Any services that need to be done or maintained in this area are included with your HOA. 

2. Hallways

For large condos with multiple units in one hall, the hallway leading to each condo is considered community space and a part of the HOA. You may have rules about what you can have in the hallway and what items to leave out per your HOA. Any incident in this area must be claimed on the HOA insurance policy. 

3. Pool

One of the best things about some condos is the ability to share a nice pool. The HOA maintains the monthly funds each homeowner provides for expenses. They will oversee the chemical treatments for the pool and the maintenance in the area and ensure a fence surrounds the space so that only owners and guests can enter the pool area. 

4. Main Lawn 

While each condo may have a small patio in the square footage, the HOA shares and maintains the main lawn and green space. This governing body will ensure it stays maintained, groomed, and landscaped regularly for safety and aesthetics. 

If you want to purchase a condo in the Longwood, FL, area shortly, contact Express Insurance today for a personal quote. 

Two Great Reasons to Review Your Commercial Insurance Policy

 It’s essential to review your commercial insurance at the start of each year—similarly, it’s crucial to reassess your other types of insurance, such as homeowners and car insurance. If you get your commercial insurance through Express Insurance, operating in Longwood, FL, we’d be delighted to assist you in determining whether your commercial insurance is suitable for your needs. Here are two compelling reasons to review your commercial insurance policy promptly.

1. Ensure Your Level of Coverage is Adequate.

Your business’s need for commercial insurance can fluctuate over time. As your business expands or scales down, switches sectors, acquires new equipment, attracts new clients, and begins servicing new areas—your insurance levels may require adjustments.

You might not be considering all the ways your insurance needs to evolve with each small change that occurs in your business. Therefore, the annual review process becomes doubly important.

2. Protect Your Business.

The primary objective of a commercial insurance policy is to shield your business from an array of financial risks. By adjusting your commercial insurance policy to guarantee it’s adequate for your needs, you’re taking steps to ensure your business’s financial protection.

As it’s the beginning of the year, it’s an excellent opportunity to reevaluate your commercial insurance policy. Spend time to safeguard your business. Review your commercial insurance policy with your insurance agent at Express Insurance in Longwood, FL. Our insurance professionals are here to help ensure you have the ideal levels of insurance tailored to your needs. 

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.

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.

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.