mobile-callClick to Call
Express Insurance

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

mobile-mapGet Directions

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.

Examples of Covered Perils

Longwood, FL residents are not mandated by law to obtain homeowners insurance. Yet, you will usually be required to purchase this coverage by your lender while you carry a balance on your mortgage. However, it is a choice that can protect your investment, even once the last payment has been made on your home.

Covered Perils

By definition, a peril causes damage, while a hazard is an exacerbating factor. Your insurance company has categories of scenarios for which they will accept claims and others for which they will not. Your Express Insurance agent can give you details on the specific events included in your policy. 

Different types of indemnification will extend to various situations, such as open peril, which means they will reimburse for any scenario that causes damage except those excluded. A named-peril clause has a list of certain claims it deals with. 

Examples of Perils Often Covered 

Power surges are a damaging phenomenon that can destroy electronics and appliances and sometimes even result in a conflagration. Lightning is another potential cause of the fire and can damage wiring within a structure. 

Water damage not caused by flooding tends to be a named peril, which may come in the form of a leaky roof due to heavy snow and thawing. Fallen tree branches and other natural events such as wind, hail, and sleet may create any number of problems for your house. Theft and vandalism can befall your property as well. 

Express Insurance Wants to Help

We can provide insurance products and services to meet the needs of your life, and we invite you to contact us for more information on homeowners insurance today. We service those living in and around Longwood, FL. 

Do I Need Full Coverage Auto Insurance Without a Car Loan?

If you’re a driver in Longwood, FL, you know that auto insurance is required by law. But if you don’t have a car loan, do you need full coverage car insurance? Let’s break this question down and see how Express Insurance can help you get the protection you need.

Types of Auto Insurance Coverage

When it comes to auto insurance, there are usually three main types of coverage. Liability coverage is the most basic type; it covers third-party damages caused by an accident for which you are at fault. This can include medical expenses and property damage claims for the other driver or drivers involved in the accident. Comprehensive coverage protects against non-collision events such as theft, fire, and damage caused by a collision with another vehicle or object. Finally, collision coverage pays for repairs to your vehicle after an accident.

Do I Need Full Coverage Auto Insurance Without a Car Loan?

If you own your car outright without any loans or leases, it is up to you whether or not you choose to get full coverage auto insurance. While there are certainly benefits to having full coverage—such as being able to repair or replace your vehicle if it is damaged—it may not be necessary if your car has little value or if you plan on replacing it soon anyway. That being said, even if you don’t need full coverage, liability insurance is still mandatory in most states, so make sure that your policy includes that type of protection at least.

Whether or not you need full coverage auto insurance in Longwood, FL, without a car loan depends on your particular situation and needs. If you have questions about what type of auto insurance is right for you, contact Express Insurance today! We can help answer your questions and find the right policy for your needs and budget quickly and easily.

Four Common Areas Not Covered by Commercial Insurance

Investing in commercial insurance is one of the most important things to ensure your business stands the test of time. Purchasing the right insurance means your employees, business assets, and other facets of your business are well-covered. However, it’s worth noting that your commercial insurance doesn’t cover all business risks. Express Insurance in Longwood, FL highlights common risks not covered by business insurance.


While commercial insurance covers some types of water damage, it excludes overland flooding. The good news is that you can protect your business against floods by investing in flood insurance from NFIP or private insurance companies. Flood insurance covers damage to your business premises and the contents inside.


Most business insurance policies exclude damage caused by sinkholes, landslides, and other movements. Such calamities can affect many businesses, leading to significant losses during compensation. Most insurance companies don’t want to provide blanket coverage. The good news is that you can purchase earthquake insurance to protect your business against earth movement.

Damage caused by maintenance issues

Has your business premise been ravaged by mold or pest infestation? Are your business computers acting up because of delayed servicing? You can’t claim damage resulting from poor maintenance from your insurer. Your insurance company expects you to maintain your assets, excluding related damage from your policy.

Commercial auto damage

While you may have commercial property insurance, you should know it doesn’t cover damage to your commercial vehicles. However, you can protect your business vehicles by investing in commercial auto insurance. This insurance policy protects your vehicle and its occupants when accidents occur.

Protect your business with commercial insurance

Would you like to learn more about your business insurance? Looking for affordable commercial insurance in Longwood, FL? Please get in touch with Express Insurance for all your commercial insurance solutions.  

Protecting Your Home with homeowner’s Insurance in Florida

As a homeowner, you must do everything you can to protect your investments. That’s why carrying homeowner’s insurance is so important. A policy from Express Insurance can help you financially in a disaster, whether it’s a fire, severe weather damage, or even theft.

Covered Events

One of the most important things about your homeowner’s insurance policy is what events are covered. Most policies will cover damage from fires, severe weather, and theft. However, there are some exclusions that you should be aware of. For example, most policies will not cover flooding or earthquake damage. That’s why it’s so important to read your policy carefully and understand what is and isn’t covered before you need to file a claim.


Another essential thing to know about your homeowner’s insurance policy is your deductible. You’ll need to pay an out-of-pocket amount before your insurance company steps in and covers the rest. Remember that having a higher deductible will usually result in a lower premium, so it’s a trade-off you’ll need to consider when choosing your policy.

Replacement Cost vs. Actual Cash Value

When shopping for homeowner’s insurance, you’ll also need to decide between replacement cost coverage and actual cash value coverage. Replacement cost coverage will reimburse you for the cost of repairing or replacing your home up to the limit of your policy, regardless of its current value. Actual cash value coverage, on the other hand, will reimburse you for the current market value of your home—which may be less than what it would cost to repair or replace it.

As a homeowner, carrying adequate insurance in Longwood, FL is one of the best ways to protect your investment. A policy from Express Insurance can help you financially if disaster strikes by covering damages from events like fires, severe weather, and theft—up to your policy’s limit.

Do You Need Full Auto Insurance Coverage for a Financed Car in Longwood, FL?

If you finance a vehicle in Longwood, FL, you need an auto insurance policy with full coverage. In doing so, you ensure the lending agency continues to receive payments if your car is designated as totaled. 

Florida Insurance Requirements

Under Florida law, vehicle owners with an active registration must have a policy from a state-licensed insurance firm. At a minimum, they require $10,000 in Personal Injury Protection (PIP) and Personal Damage Liability (PDL). The former covers health issues of drivers and passengers related to accidents. Meanwhile, PDL handles damage to another person’s property, like a vehicle or building.

You must carry proof of your insurance coverage while you drive. Failure to provide this information if pulled over by law enforcement may result in fines, license suspension, or impounding your vehicle.

What is Full Coverage?

If your vehicle is financed, it’s necessary to have additional coverage. Dubbed full coverage, it includes general liability for property damage and injuries. Furthermore, you must have collision coverage to pay for damage to your vehicle, no matter who is at fault. On top of this, comprehensive insurance is needed to pay for damage related to vandalism, fire, or severe weather issues.

How Much Coverage Do I Need?

The values of liability, collision, and comprehensive coverage depend on the type of financed vehicle. For instance, premiums for a low-cost, traditional subcompact may be lower than those for a full-sized luxury sedan. 

In the end, don’t estimate your coverage amounts. It’s best to work with a firm like Express Insurance to obtain the proper values for your financed vehicle. Contact one of our representatives for more information.

How Umbrella Insurance Can Help Protect Your Business

If you’re a business owner in Longwood, FL, you know that protecting your company is essential. And if you’re looking for reliable and affordable protection, Express Insurance is the right choice. We offer umbrella insurance policies to help safeguard your business from potential liability claims. But how can umbrella insurance help protect your business?

Umbrella Insurance Defined

Umbrella insurance is a type of liability insurance that provides additional protection for your business. It kicks in when the limits on your other liability policies have been reached. So, if you’re ever faced with a large claim or lawsuit, umbrella insurance can help cover the costs.

Why You Need Umbrella Insurance

There are many reasons why you need umbrella insurance for your business. For one, it can help protect your assets. If you’re sued, legal defense costs can quickly add up. And if you’re found liable, you could be on the hook for any damages awarded to the plaintiff. That’s why having umbrella insurance is so important. It can help cover the costs of a legal defense and any damages you may be liable for.

If you own rental property, you need umbrella insurance to help protect yourself from any potential liability claims. Rental property owners are often sued for things like slips and falls or other injuries on their property. If you’re found liable, you could be responsible for the injured party’s medical bills and other damages.

Finally, if you have any employees, you need umbrella insurance to help protect yourself from potential liability claims. Employees can sue their employers for wrongful termination, discrimination, and sexual harassment.

If you’re looking for reliable and affordable umbrella insurance, contact Express Insurance in Longwood, FL, today. We’ll be happy to help you find the right policy for your business.