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Auto insurance is meant to protect you if you cause injuries to others or damage their property in an auto accident. It can also provide protection if your car is damaged in an accident or is stolen. What protection you have is spelled out in your auto insurance policy.
Your personal auto policy will exclude coverage for commercial uses of your vehicle. A commercial policy will establish a definition of commercial use as well. It is important that you read the definition and discuss this with your insurance professional. If there is any question, it is better to obtain a commercial auto policy so that, in case of an accident, there is no chance of being uninsured.
Motorcycle insurance is required by law in most states, and even if you live in a state that does not require coverage, the high risks motorcyclists face make motorcycle insurance extremely important. The coverage that is mandatory in most states includes property damage liability and bodily injury liability. These two liability insurance items will cover the financial costs if you damage another person’s property or if you cause bodily injury or kill another person. You may need to add passenger liability coverage to include injury or death to a passenger.
BOAT AND PERSONAL WATERCRAFT
Pleasure boat insurance is for powerboats and sailboats that are under 26 feet in length and do not exceed 50 miles per hour. Your boat insurance can cover damage as a result of fire, theft, vandalism and weather. Coverage for damage to your boat’s hull, some of your boat’s mechanics, riggings and operating gear is available. You can also include property damage, bodily injury, theft and liability. There are a number of onboard items that are not covered, such as personal watercraft (PWC), certain types of outboard motors, and valuables such as jewelry and cell phones.
Yacht and luxury boat insurance is for your cruiser or sailboat that is 27 feet long and over. This boat insurance has a much wider range of coverage because larger boats can go further and have specialized rigging and equipment. You can also include hurricane coverage that will pay to have your boat moved to safety if a hurricane warning has been issued. There is also a navigational warranty that will cover your yacht in a certain geographical area. If you wish to take your boat outside the covered area, you can purchase a temporary trip endorsement.
Personal watercraft (PWC) insurance must be purchased separately from your boat insurance. The reason for this is the level of risk. PWCs have a very high accident rate and accidents are usually the fault of the PWC operator. This pattern has labeled PWCs as high risk, requiring special and more expensive insurance for PWC owners. This type of boat insurance can cover bodily injury, damage, liability and theft.
Florida Alliance Insurance covers motorized recreational vehicles including Type A motorhomes, Type B motorhomes (van campers) and Type C motorhomes (mini motor homes), as well as sport utility recreational vehicles.
We also provide insurance coverage for towable RVs, including: conventional travel trailers, fifth-wheel travel trailers, travel trailers with expandable ends, folding camper trailers and truck campers.
Homeowners insurance provides financial protection in the event that your home or its contents are damaged. It also provides protection if you or a family member are held legally responsible (liable) for the injuries to others or damage to their property. It's also required by most mortgage lenders.
A great mobile home insurance policy blends reliable protection, outstanding service, and affordable rates—and that's exactly what you can get with Florida Alliance Insurance. Get your free mobile home insurance quote today and build a policy that's right for you, with help from our mobile home insurance experts.
As a condo owner, you have unique requirements for protecting your property, because your building and your individual unit have separate needs. While your condo association may have an insurance policy, only condo insurance covers your personal property and personal liability. So you can rest assured you're personally protected.
DWELLING TENANT OCCUPIED
Dwelling fire policies are intended for landlords to insure single-family or duplex homes that are rented and not vacant. DP3 Dwelling policy provides coverage that you can count on, including:
Loss of rents
Personal liability and medical payments to others.
We also have optional coverage such as ordinance and law, replacement cost on personal property, and theft.
Your insurance agent can help you define the amount of coverage and options appropriate to your individual situation.
RENTER'S COVERAGE FOR CONTENTS & LIABILITY
A form of property insurance that provides coverage for a policy holder's belongings and liability within a rental property. Renter's insurance applies to persons renting or subletting a single family home, apartment, duplex, condo, studio, loft or townhome. The policy protects against losses to the tenant's personal property within the rented property. In addition, a renter's insurance policy protects against losses resulting from liability claims, such as injuries occurring on the premises that are not due to a structural problem with the property (in this case, the owner's - not renter's - policy would apply).
Insurance that is used to cover any type of commercial property. Commercial property insurance protects commercial property from such perils as fire, theft and natural disaster. This type of insurance is carried by a variety of businesses, including manufacturers, retailers, service-oriented businesses and not-for-profit organizations.
A financial instrument that protects real property owners from water damage to the structure and/or contents of their property. While flood insurance can be purchased through many different insurance companies, all policies are federally regulated so that the same policy costs the same amount no matter which company it is purchased through.
Because typical hazard insurance policies do not cover flooding, homeowners must purchase a separate policy if they want to be protected against flood damage. For properties in high-risk areas, lenders sometimes require mortgaged homeowners to carry flood insurance to protect the structure. It is up to the homeowner whether to purchase additional coverage for the property's contents, such as furniture and clothing.
PERSONAL AND COMMERCIAL UMBRELLA
Extra liability insurance coverage that goes beyond the limits of the insured's home, auto or watercraft insurance. It provides an additional layer of security to those who are at risk for being sued for damages to other people's property or injuries caused to others in an accident. It also protects against libel, vandalism, slander and invasion of privacy. An umbrella insurance policy is very helpful when the insurance owner is sued and the dollar limit of the original policy has been exhausted. The added coverage provided by liability insurance is most useful to individuals who own a lot of assets or very expensive assets and are at significant risk for being sued.
The premium for an umbrella insurance policy may be less expensive if the policy is purchased from the same insurer that provided the original auto, home or watercraft insurance. Depending on the provider, the policyholder who wants to add umbrella insurance policy is required to have a base insurance coverage of $150,000 to $250,000 for auto insurance and $250,000 to $300,000 for homeowners insurance.
The category of artisan contractors, also known as casual contractors, includes many occupations that involve skilled work with tools at the customer’s premises. Carpenters, plumbers, electricians, roofers and tree surgeons are some of them. Also included are diverse other skilled service providers, such as interior decorators, piano tuners and exterminators.
Special insurance needs of this group include coverage for equipment and tools that are often moved around and for the value of work done for a customer until it is finished.
For many artisan contractors, the most cost effective and efficient way to obtain property and liability coverage is with a Businessowners Policy (BOP) especially tailored to their needs. Although marketed under a variety of names, these policies will typically have provisions similar to the BOP's.
BUSINESS OWNERS POLICY
Insurance policies that combine protection from all major property and liability risks in one package. A Business Owner Policy or BOP is an insurance package that assembles the basic coverages required by a business owner in one bundle. It is usually sold at a premium that is less than the total cost of the individual coverages. Business Owners Policies usually target small and medium-sized businesses and typically contain business interruption insurance, which provides reimbursement for up to a year of lost revenue resulting from an insured property loss.
A typical business owner policy includes: property insurance, business interruption insurance, crime insurance, vehicle coverage, liabilty insurance and flood insurance. Depending on additional risks a business owner might face, the business owner and the insurance company can make arrangememnts on additional components to be added to the original package.
COMMERCIAL GENERAL LIABILITY
Business owners purchase general liability insurance to cover legal hassles due to accident, injuries and claims of negligence. These policies protect against payments as the result of bodily injury, property damage, medical expenses, libel, slander, the cost of defending lawsuits, and settlement bonds or judgments required during an appeal procedure.
INDIVIDUAL AND GROUP HEALTH
A type of insurance coverage that pays for medical and surgical expenses that are incurred by the insured. Health insurance can either reimburse the insured for expenses incurred from illness or injury or pay the care provider directly. Health insurance is often included in employer benefit packages as a means of enticing quality employees.
The cost of health insurance premiums is deductible to the payer, and benefits received are tax-free. Health insurance has many cousins, such as disability insurance, critical (catastrophic) illness insurance and long-term care (LTC) insurance.
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MEDICARE ADVANTAGE AND SUPPLEMENTS
A Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans. If you're enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren't paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage.
Dental Insurance is an insurance coverage for individuals to protect them against dental costs. It insures against the expense of treatment and care of dental disease and accident to teeth. The most common types of dental insurance plans are Preferred provider organizations (PPO) or dental health maintenance organizations (DHMO). Both types are considered managed care.
A protection against the loss of income that would result if the insured passed away. The named beneficiary receives the proceeds and is thereby safeguarded from the financial impact of the death of the insured.
PET HEALTH INSURANCE
Policy purchased by the owner of a pet that will lessen the overall costs if expensive medical bills are incurred by that pet. This is similar to health insurance policies except that it relates specifically to pets and will cover, either fully or in part, the often expensive fees that are incurred during veterinary procedures. Pet insurance started in the U.S. in 1980, and was the first policy was sold in 1982 for television's Lassie.
Many animal medical procedures, such as surgeries and sickness, are very expensive to treat. To help with these costs, a pet owner can buy a policy that will save out-of-pocket expenses by paying a yearly or monthly fee known as the premium. The cost and coverage changes with which policy you get and for what type of animal you're insuring. For instance, it costs more for an outdoor cat than an indoor, and premiums are higher for the percentage of coverage you wish to buy.
Workers' compensation is insurance paid by companies to provide benefits to employees who become ill or injured on the job. Through this program, workers are provided with benefits and medical care, and employers have the assurance that they will not be sued by the employee.
The cost of workers' compensation benefits is based on the gross payroll and the number and severity of illnesses and injuries that type of employer experiences. For example, a manufacturing company would have higher workers' compensation costs than a professional practice.
Do you have property used in your business that is routinely located off-site?
When you're working off-site, your business owners policy doesn't always cover your tools, equipment and computers, and this can put your business at risk.
Florida Alliance can offer the comprehensive coverage needed to cover most business property including contractors' tools and equipment and the property of others.