This product insures automobiles owned by individuals. The coverages available include bodily injury and property damage liability to others, uninsured motorist, personal injury protection, medical payments and physical damage protection. In Florida, 1 in 4 drivers are either uninsured or not carrying enough insurance, so it is important to purchase the right coverages on your own policy to protect you at claim time.

Like a personal auto policy, this policy provides liability to others, medical payments, uninsured boatowners coverage and physical damage protection. You also have the option to insure your personal property and fishing equipment for loss due to theft or accident.

This product is like a safety net of liability insurance to increase the amount of protection above your underlying primary policy. This can be written over your homeowners, rental property, personal auto, boat and other personal insurance coverages. Additional limits can be sold from $1,000,000 to $5,000,000 and greater if needed.

Homeowner’s insurance policies specifically exclude loss due to flood. Flood claims are paid for damage resulting from rising water due to excess rain, surge or run off. Historically, flood insurance premiums were standardized by the Federal Government and there was no competition in the rate across carriers. However, several private carriers have entered the market and begun offering competitive rates. This may be something to consider if you are in a high hazard flood zone.

This product provides protection for the main dwelling structure, unattached structures and personal property. In addition, this policy would provide both personal liability and medical payments coverage. For most individuals, their primary home is the most valuable asset they have so it is important to discuss all the specialized endorsements available to provide the most protection.

This product is subsidized by the government. Crop policies pay an indemnity in the event of a production loss or adverse weather or events. There is also coverage if one of the “events” prevent you from planting your crop, or if you need to replant for the season. Types of coverage vary greatly by crop and individual needs!

The liability and property loss risks that come along with having a Farm or Ranch, differ from the average homeowner. This policy will provide coverage for those differences. Extending to dwellings, farm structures, barns, and equipment, to name a few.

Protects business entities for bodily injury and property damage liability claims as part of either your operations or products. General liability policies specifically exclude losses resulting from auto or professional liability claims, so it is important to purchase additional policies to protect against these exposures. Depending on the nature of the business, rates for general liability policies are based on gross annual sales, employee payroll or square footage of the space housing the operation.

This policy provides coverage for non-residential structures and business contents for physical damage due to a covered peril. Coverage can also be purchased for loss of income due to a covered peril. Commercial property insurance can be purchased as a stand-alone policy or combined with General Liability coverage into a package or Business Owner’s Policy.

Designed to protect any type of auto used for business purposes. It can provide all the same coverages afforded on a personal auto policy along with several coverage extensions such as hired & non-owned automobile endorsements to protect the unique risks associated with business use of vehicles.

This policy provides protection for employees while performing their job duties. It covers in the event of both an accident or an acquired occupational disease. In Florida, this coverage is required for any employees operating in construction related fields and for non-construction operations with 3 or more employees. Rates for worker’s compensation are set by the state of Florida as a specified rate per $100 of assigned payroll.

Designed to provide excess liability limits over underlying policies such as general liability, business auto and employer liability. It will also drop down to pick up first dollar claims if the underlying policy aggregate limits have been exhausted and may even cover some claims not payable under the underlying policy.

Also classified as government crop insurance, PRF provides coverage for your grazing and hay land against lack of rainfall (Drought). Claims payment is automatically determined by rainfall percentages in grids that are laid out over the United States, and vary by selected 60-day time periods. Owned, leased, or state land, is eligible for the program.