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. 

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.

While planning your move and deciding on the best ways to pack everything, it might be good to consider renters insurance for your new place. Boxing everything and labeling the boxes are a part of smart planning if you are doing this yourself. Carefully preparing certain items can make it easier as you arrive in the new location. Opportunities in Longwood, FL have improved significantly for those renting on a seasonal or long-term basis.  

If you are planning on renting a place, you might take a look at all of your belongings and valuables. Understanding your rental agreement is also a suggestion to know what the landlord or property owner is covering and what rental insurance might look like for you. Express Insurance is available to answer your questions and discuss any paperwork that might be helpful for either you or the property owner. Planning ahead can simplify the process and it is nice that experienced agents are available to help you. 

Valuables are often wrapped carefully and packed in a certain way.  Some tips include using larger Tupperwares or totables for easier access to the items at any time.  Labels or writing on boxes can specify the room for the items or the general description of what is packed inside.  It’s nice to be comforted when renter’s insurance is taken care of and the experienced staff can work with you as you give them an approximate move-in date. Serving Longwood, FL, Express Insurance is a good contact for you with the list of tasks for moving.  You can contact them for more information or visit their website. The moving process can be enjoyable as you plan ahead.  Fortunately, there are many tips and resources available to help make your move comfortable for you.

Living in a condo has many perks. You get to live in relative luxury equal to that of a private home, but you’re not responsible for maintenance or other expenses outside of your own private unit.

Did you know that your condo insurance policy from Express Insurance can offer you some additional perks as well? These benefits may make living in your Longwood, FL condo even more enjoyable.

1. Your Condo Association Coverage May Overlap Your Personal Coverage

The nature of condo living dictates that you share responsibility for your surroundings with a condo association. In addition to your own condo insurance policy, the association holds a master policy for the entire building and grounds.

Of course, this exempts you from being responsible for any issues that may go south in any common areas of your condo. For instance, if there’s an issue with the pool or if there’s a fire in a common lounge or media room, you are not liable, and neither if the coverage for your personal unit.

However, there’s one extra perk of the condo association’s master policy: it may have some overlap with your own personal condo coverage. Not all master policies are created equal, but in many cases, your association’s coverage may be responsible for any structural portions of your home, such as the floors and walls.

2. Condo Insurance Covers Personal Liability For Your Guests

Do you often have guests visit you at your condo?

If you owned a traditional detached home, you and your home insurance provider would be responsible if your guest got injured or had an accident at your home.

Similarly, your condo coverage offers the same type of liability for your guests. On top of that, your association’s master policy may cover your guests when they visit areas of your condo outside of your unit. Your own individual condo policy may cover your guests outside of the unit as well, depending on the tier of coverage you purchase.

3. Your Policy May Cover Condo Association Assessment Fees

This last perk does not come with most standard insurance policies, but it can be covered under a customized policy. If your condo association requires you to shoulder the costs of any damage to or maintenance to the common area of your condo along with your neighbors, your personal condo policy can take care of those costs for you.

This is very beneficial, as condo association assessment fees can add up, especially if your building is rather old or is undergoing a lot of regular maintenance.

Are You Ready To Purchase Your Condo Insurance For Your New Home?

Now that you’re moving into your new condo, it’s time to explore a personal condo insurance policy that is especially tailored to your needs. Contact Express Insurance for a custom quote today, so that you can start enjoying your new life in Longwood, FL.

Misconceptions about commercial insurance can make it difficult for small business owners to get the coverage they need. By separating fact from fiction, your Express Insurance agent in Longwood, FL can pave the way for you to select the right policy for your budding enterprise. Here are five misconceptions to watch out for when buying commercial insurance.

1. Small, start-up businesses don’t need insurance protection.

If your business has a building, business equipment or inventory, you need commercial insurance to protect these investments. Without insurance protection, you risk financial ruin in the event of a disaster.

2. Home businesses are protected by home insurance.  

Home insurance protects your home and personal belongings, not business equipment or inventory. If you’re running a home business, talk to your Express Insurance agent about a business owner’s policy for property and liability coverage to protect your business assets.

3. Liability insurance also covers your employees.

Commercial liability insurance covers the cost of accidental injuries or property damage sustained by customers when on your business property. This protection doesn’t extend to employees. Workers comp insurance covers employees for injuries on the job.  

4. Commercial property insurance covers damage caused by flooding.  

Commercial property insurance covers water damage due to leaky or burst pipes, not flooding. To get protection against floods, you need flood insurance.  Flood insurance covers damage caused by overflowing rivers, heavy rains, storm surge, broken dams and similar flood issues.  

5. Small businesses never get sued; therefore, they don’t need cyber liability insurance.   

Any business can get sued. If your business stores customer data online and a breach in security causes personal data to get into the wrong hands, your business could be sued for damages. Cyber liability insurance covers you against such lawsuits to protect your business assets.   

For quality commercial insurance coverage at affordable costs, contact Express Insurance, Longwood, FL.

Does Umbrella Insurance Attach to Every Type of Insurance?

The short answer is yes – Umbrella insurance attaches to every type of insurance. When you make the decision to have a comprehensive conversation with your insurance agent you will learn that standard insurance policies have limits of protection.

There are either monetary limits or situational limits. Some insurance policies offer a certain amount of financial recuperation notwithstanding the amount of liability that may be incurred. 

Some standard insurance policies are limited by the situation or actual event that brought on the liability. The type of event that occurs may not be covered by a standard policy.

Open Your Umbrella Insurance Policy For More Comprehensive Protection

Umbrella insurance answers the call for those uncovered matters. Your insurance agent will inform you how you can attach an umbrella policy to your home insurance, auto insurance, commercial policy, renters policy, or just about any insurance product you can imagine. Basically, an umbrella policy is used as an extension device to cover liability that goes beyond the scope of a standard policy. It is of the utmost importance to speak with an experienced professional regarding your individual needs. 

Express Your Way to being Rest assured  

The agents and professional staffers at Express Insurance in Longwood FL will clearly outline how umbrella insurance can assist you in protecting your professional and personal lifestyle. We are located in Longwood FL 32779.  Stop at our office today or call to learn about umbrella insurance or one of the other insurance products (auto, home, commercial, condo, renters) we specialize in. Finding out the most about a particular type of insurance is a sound decision before you may need to use the insurance product.   

A landlord can require you to have renters insurance to rent an apartment or condo, but there is no law in Florida saying you have to have renters insurance. It is legal though, for a landlord to make renters insurance a requirement for renting an apartment, so in essence yes, a landlord can require you to have renters insurance. You might be able to find a renter willing to rent without it. The Express Insurance agency of Longwood, Florida reminds you, however, that renters insurance is very cheap and it is a good idea to have such a policy. Renters insurance is cheap, and you may adjust the price by adjusting the deductible and the amount of liability coverage you wish to have.

Usually, the requirement is for liability overage if nothing else. If your apartment is destroyed by fire and you are determined to be at fault, the interior could be rebuilt for the owner, for instance.  Renters insurance covers a lot more than the liability. It also covers your possessions. Many people do not realize that the landlord’s fire insurance policy does not cover the possessions of those renting. Renters insurance can also provide you with a place to stay if your apartment is damaged to the point of not being livable until it is repaired.

Contact Express Insurance of Longwood, FL to get the renters insurance you need. Reach them by phone or visit their website where you can get information about insurance and prices. You may also visit in person.  It is important to also keep records of your possessions, receipts, and photos if possible, to show that you had the possessions.  In addition to fire insurance, there is also insurance against theft, storm damage, and other accidents. 

Your business is your source of livelihood. As such, you need to protect it from the many financial liabilities it may be subject to. You protect your business by purchasing the right commercial insurance policy.

However, you need to make sure your commercial policy will adequately and affordably protect your company’s needs.  The following are four things you need to do before purchasing a commercial insurance policy for the best results:

Find out what the legal requirements are

Commercial insurance is not necessarily an optional thing. You may need commercial insurance according to the rules of your local government.

Some types of commercial insurance you are probably required to have legally include general liability insurance, workers compensation insurance, and commercial auto insurance.

Familiarize yourself with the most common types of commercial insurance

There are numerous types of commercial insurance to consider. In addition to general liability, workers comp, and commercial auto, you may need any one of the following additional types to protect company assets:

• Property 
• Professional Liability
• Employment Practices Liability
• Errors and Omissions

Compare quotes from different providers

It’s important to shop around. Different insurance providers will offer more competitive rates than others. Also, different insurance providers may specialize in insuring different types of business.

Make sure you do some exploring and avoid getting a quote or information from only one insurance provider.

Work premium payments into your company budget

Your commercial insurance policy premiums are going to be an added business expense. This means you need to work the costs into financial projections to make sure premiums don’t put you in the red.

If you need assistance purchasing business insurance in Longwood, FL, contact us at Express Insurance to learn more about the policies we provide.

All people need to make sure that they are properly covered by insurance. Most people are aware that they need to get adequate home and auto insurance. However, there are other types of insurance that Longwood, FL area residents need to consider as well. One very important type of insurance that should also be considered is umbrella insurance. There are several reasons why getting umbrella insurance is a great option for you.

Gives Coverage For Additional Risks

One of the main reasons why you should get umbrella insurance is that it will provide you with coverage for risks that are not covered by your other policies. Your home and auto policies will provide you with a good amount of liability insurance. However, there are a lot of specific situations in which you will not receive coverage. For example, if you are sued for libel or slander, you will not receive coverage under your base home insurance policy. However, this would be covered by umbrella insurance.

Gives Additional Coverage

Another reason to consider getting an umbrella insurance policy is that it will provide you with additional insurance coverage. One of the biggest concerns that people have with their base liability policies is that it may not provide enough coverage for extreme situations. However, if you are looking to bridge that gap, you can do so by purchasing an umbrella insurance policy that will give you additional liability coverage.

If you think that getting umbrella insurance would be a good idea, contacting the Express Insurance company could be a great first step. When people in the Longwood, FL area meet with Express Insurance they will receive more insight into the benefits of umbrella insurance and they will be able to better determine what type of policy and coverage levels they should get.

 

Living in a condo in Longwood, FL is a great way to experience the great location and sunny weather without having the additional responsibilities of someone in a house who has to take care of other property duties. Roommates can share expenses and help in other ways. Sometimes bad things happen, even in the best of circumstances, and you want to make sure you can recover from a setback. 

Hopefully, you already have an insurance policy to protect your condo in the event of a fire or theft. The policy you obtained through Express Insurance will help you when you experience an unforeseen circumstance. It will cover your property, including appliances, furniture, and personal possessions. 

An insurance policy is basically a contract. Your own policy has your name and information and is a contract between you and the insurance company. You provide your insurance premiums to the insurance company, and they help by providing coverage when you have a loss. Anyone who is not a party is not protected by it. Even your children will be listed on your contract so they can be protected. 

Your roommate, unless he or she is on the policy by name, is not a party and will receive no coverage. That means if there is a fire or theft, the property is not covered. If someone sues your roommate for an incident at the condo, the insurance company will not provide legal counsel or help to pay damages. And if the property becomes unlivable for whatever reason, the insurance will not assist your roommate in finding a temporary place to stay. 

If you have a roommate in your Longwood, FL condo, make sure they have the protection they need. Call  Express Insurance today for a free quote.