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Insurance Policies
Commercial Insurance/Personal
Insurance /Vehicle Insurance /Group
Health Insurance /Key Employee Coverage
/ Life Insurance |
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Commercial
Insurance:
We like to think we can provide just about any insurance coverage you may need. We insure businesses nationwide and have specialty programs in place for most major individuals and are proud to be one of the largest and oldest agencies in South Florida, with access to many top rated insurance companies. This is unequalled by many of our competitors.
Our staff of highly experienced professionals knows the commercial insurance business. We are committed to increasing your safety, profitability and peace of mind by reducing cost, managing risk and bondable claims in a prompt, efficient and professional manner. Here are some products we write:
- Business owner's Policy: Attractive for small to mid-size companies, it combines property and liability coverage in a single policy
- Business Property: Covers buildings, equipment, inventory, other physical assets; many policies cover loss of income if operations are disrupted.
- Commercial Auto: Choose a policy tailored to your needs -- from covering a single vehicle to protecting an extensive fleet
- Commercial Liability: Policies that cover both defense costs and settlements can protect against disastrous personal-injury or liability claim.
- Worker’s Compensation: Along with providing coverage for work-related injuries, carriers often help with injury-prevention and cost-control programs.
- · Garage Liability
- · Builder’s Risk
- · E&O/D&O
- · Products Liability
- · Professional Liability
- · Inland Marine
- · Commercial Umbrellas
- · Ocean Marine
- · Aviation
- · Watercraft
- · Special Events
Listed below are some the companies our office proudly represents, some for as many
as 80 years!
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Personal
Insurance:
Your home reflects who you are - and how hard
you have worked to create personal, financial security for yourself
and your family. Choosing the right insurance is critical, but
doesn't have to be difficult. Our insurance professionals can
help you select coverage from carriers with personalized service
and superior ratings for paying claims.
Your home is many things: sanctuary, playground, social center.
It's also probably your single largest financial investment. Protect
this valued asset with coverage tailored to your needs.
Homeowners Insurance
Condominium Insurance
Automobile Insurance
Personal and premises Liability
Excess Liability (Umbrella Coverage)
Personal Articles Schedules (inland Marine Policy)
Watercraft & Personal Watercraft Coverage
Recreational Vehicle
Below are some of the companies we are proud to represent:
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Vehicle Insurance:
You can find the insurance protection you need
for all your vehicles - even your boat or plane - under one
roof. Let our insurance professionals help you select policies
from carriers with superior ratings for paying claims and excellent
track records for prompt, courteous claims service.
Automobile Insurance:
Everyone needs car insurance. It's the law. But not everyone
needs exactly the same coverage. We can help you get the right
policy and good value for your premium dollar.
Select collision and comprehensive coverage appropriate
for your type of vehicle and driving conditions.
For added protection against loss from liability claims, you
can often purchase more coverage than state law requires.
Many Carriers offer extra services; Roadside assistance,
rental cars, windshield repair.
Choosing a high deductible can help reduce your premium cost
Several discounts are available - good driver, safety devices,
anti-theft devices, multiple policies.
Boat Insurance:
Whether you own a speedboat or a yacht, you face risks
not covered in your other policies. Boat policies cover your
watercraft and give you liability protection.
Policies cover damage to or destruction of craft through
such perils as sinking, fire and theft.
Additional features may include extended towing coverage,
repairs, attached equipment or trailers.
You can cover other risk related to your specific craft, such
as medical expenses for water skiers or launch damage.
Coverage is also available if you travel into international
waters.
Aircraft Insurance:
Appropriate coverage for your aircraft - and the financial responsibility
that comes with it - is customized in accordance with:
Type of aircraft you own.
How the aircraft is used
Your flight experience
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Group
Health Insurance:
Well crafted employee benefit plans can help you
attract and retain quality employees, while keeping costs under
control. Our insurance professionals can help you choose a carrier
with extensive experience in plan design and cost containment,
as well as excellent ratings for service and claims processing.
Group Health: innovative cost-containment measures and funding
approaches can help control the cost of providing this important
coverage.
Group Life: in addition to providing basic protection for employees'
families, many carriers feature other enhancements.
Group Disability: using modern disability management, insurers
work with you to get employees back on the job quickly and safely.
Key Employee Coverage:
Especially in partnership or closely held corporations, the death
or disability of a partner or key executive can severely disrupt
business operations - or even threaten the company's survival.
Key employee policies help protect what you have worked so hard
to build.
Life and disability policies are useful tools for funding
buy-sell agreements.
Coverage helps buy time to replace the key position
Some disability policies feature overhead expense coverage,
so basic operations can continue during an owner's disability.
With this coverage in place, suppliers, creditors, employees
and other stakeholders feel more confident about the future of
your business.
Life Insurance:
Term Life
Universal Life
Key Man Life
Annuities
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