Insurance blog

Understanding Florida Small Business Insurance

Every individual in Florida needs a number of types of insurance either by law or for peace of mind. But it’s also important for a number of them to have Florida business insurance too. Without this, their whole company could end up becoming quite the liability overnight.

Business Insurance

The truth according to is that business insurance actually refers to at least four separate versions. It’s believed that having these four types of insurance will sufficiently protect your business (though this is a general rule and you may have to do some research on your specific company’s needs). Let’s review what these four types of coverage are.

Property Insurance

This one’s basic enough, but essential to many companies. Like most businesses, yours probably has a number of physical assets you rely on to turn a profit. If something happened to those assets—they were stolen or destroyed in a fire—you could be in a lot of trouble as a business, right?

This is where property insurance comes in. By getting this important form of insurance, those assets are covered in case the worst should happen. Property insurance will cover your company’s physical building as well as the assets inside, including personal property.

Liability Insurance

We’ve all seen the stories on the news. Somebody slips and falls in a hotel or burns their tongue on some soup that was served too hot. Did the business want these outcomes for their patrons? Of course not. But they happen and often they’re the first step toward a lawsuit.

Just about any time a person believes that they were injured or that their own property was compromised because of your business, they can sue you. That doesn’t always mean they’re right, mind you. And sometimes the judge may throw out the case before it gets started.

But these are far from a guarantee according to Having liability insurance also isn’t a guarantee no one will sue you. However, it does provide a certain amount of money to cover you in the event that something like the above happens within the confines of your business. This coverage can handle legal fees, the victim’s hospital bills, and more.

Business Vehicle Insurance

If your business owns any vehicles, you’ll want business vehicle insurance. Just like the property insurance mentioned above, if this vehicle is involved in any type of incident that results in someone getting injured, you may be facing a lawsuit. But if you have this insurance to cover you, you might not have to worry about repairs, replacing your vehicle, and more. This insurance even covers things like theft or damage caused by natural disasters.

Workers Compensation Insurance

Unless you’re the only employee you have, you need Florida business insurance that will cover your staff too. This way if an employee of yours gets hurt while on the job, you’ll have money to pay for their lost wages, medical care, and more.

While you probably have enough to worry about with running a business in Florida, don’t forget about the essentials. Florida business insurance is an important step toward peace of mind and guards your bottom line. You can get a quote from a website today.

Drive Florida Streets With the Right Auto Insurance Coverage

Are you ready to navigate the waters of car insurance?  Let’s start with some of the basics as well as discuss the particulars of Florida auto insurance requirements.

How To Choose an Insurance Company

I would start by contacting someone like Florida Insurance Quotes at for rock bottom coverage. This is an excellent place to start shopping around for an insurance carrier since most of the specific insurance decisions will be made with the carrier once you have chosen one.  Here are just a few places to start narrowing your search. Or

  • Department of insurance – Each state has its own department of insurance, the majority of which make public the complaint information and ratios.  This type of ratio will tell you how many complaints have been made to the department for every 1000 claims filed.
  • A body shop – You would be hard-pressed to find someone who has dealt with more insurance companies than a body shop.  They might be willing to give you invaluable information related to ease of the claim process and relative speed as well as any cost-cutting measures the insurance company typically attempts to enforce.
  • Friends and family – Word of the mouth is not always 100% reliable, but anecdotal data does hold weight.  Ask around to see what companies your friends and family use and whether they are satisfied with their coverage, their rates, and their customer service.

How To Choose Your Insurance Coverage

Look at your car insurance policy options as a buffet in which you can pick and choose which types of coverage you prefer.  Some states do have minimum requirements. Likewise, if you have an outstanding loan on the vehicle, then the bank will require certain types and minimums of coverage.  Here is a listing of the most common options.

  • Liability
  • Collision
  • Comprehensive
  • Medical coverage
  • Personal injury protection (PIP)
  • Uninsured motorist
  • Underinsured motorist
  • Rental reimbursement

What Makes Florida Auto Insurance Different From Other States’ Requirements?

  • According to Florida state law, you must have the minimum coverage amounts for personal injury protection ($10,000) as well as property damage liability ($10,000).
  • Also, Florida is a no-fault insurance state.  This means that if you are injured in an accident, your insurance must cover your medical costs up to your personal policy’s limits no matter who caused the accident.
  • Usually speaking, these policies will also cover all members of your household, your children while on a school bus, yourself as a pedestrian or a cyclist, and any passengers in your vehicle who do not own a vehicle and who do not have their own PIP coverage.  If the passenger does have their own policy, their insurance will cover any of their medical costs.
  • It will also cover if you are injured as a passenger in someone else’s car.
  • The property damage liability policies cover damages to another party’s property.

If you do not have proof of these insurance coverages, your registration, your license, and your car plates will be suspended.  If you are able to provide proof of coverage before the date of the suspensions, you will not face the standard financial penalties. These are some facts to help you in getting cheaper FL auto insurance at

Adoption, Is It a Life-Changing Event for Health Insurance in Florida?

Adding a child into your family is for sure life-changing, but does this milestone qualify for your health insurance?

What Is a Qualifying Life-Changing Event When It Comes To Health Insurance?

Life has a funny way of throwing in events that upset the status quo. Also, it seems to turn our lives upside down.

Some of these events might qualify you to sign up for health insurance in Florida beyond the usual annual period of enrollment according to  But make sure that you apply for your insurance within 60 days of your qualifying life event.  Failure to do so might mean you could have to wait up to 10 months for the next available enrollment date.

There are many family events that are considered qualifying life-changing events.

Family Events, How Does It Affect Your Health Insurance?

Families change constantly and many of these changes would qualify you to apply for online Florida health insurance outside of the usual enrollment dates.

Starting life as a married couple means that your old health plan may no longer meet your needs.  For example, you may wish to start a family, which means adding your children to your insurance policy.  This also applies to adopted children and children you may be fostering long term.  A baby is covered by the mother’s insurance for the first 30 days. Any time after this you will need to arrange for a separate cover for the child.

An adopted child is not covered by their guardian’s policy. They would need their own health insurance coverage.

Individual Health Insurance Providers

There are different levels of FL Health insurance coverage to match individual situations according to Not all policy providers offer the same terms and cover.  For example, many insurers will ask that you notify them of a change within 27 days. In order for them to make the appropriate changes to start your cover on time. However, others offer instant coverage and do not require advanced notification.

In these situations, it is advantageous to speak directly with your chosen insurance broker as children may have policies held over from previous homes that will need updating.  Also, if you wanted to move any old insurance policies from a foster or adopted child’s previous caregiver’s broker, then there may be certain documents and information that your provider will need in order to make the switch.

The best plan of action would be that once an event has happened, call and check with your policy broker.