Helping Florida businesses thrive by taking care of their COMMERCIAL INSURANCE NEEDS
I am Florida-state certified in 2-15 Health & Life (Including Annuities & Variable Contracts) and 2-20 General Lines (Property & Casualty). I received my Bachelors of Science and Graduate Certificate from the University of South Florida.
After a ten-year career as an Environmental Specialist for the public and private sector, I decided to change my career and become an Insurance Agent to help people plan financial security for themselves and their loved ones.
When was the last time you looked at your insurance portfolio?
I was working with one prospect who owned several restaurant locations. He faxed over his insurance pages and I quickly discovered that he did not have liquor liability coverage at one of his locations that served alcohol. What gaps do you think I would find in your insurance coverage?
An insurance package that provides broad property and liability coverage in a single contract, designed for small and medium sized businesses.
This coverage pays out for lost earnings & income due to business operations being interrupted by a covered loss.
Building and Property Coverage
Insurance for the building itself including improvements, Business personal property, and Personal property of others.
General Liability Insurance
Also referred to as Commercial General Liability (CGL), which is a vital coverage for all business. This is a policy issued to an organization to protect against liability claims from Bodily Injury and Property Damage arising from its premises, operations, completed operations, and products.
Protects business from an assortment of losses ranging from employee dishonesty, forgery, theft, burglary, robbery, kidnap, extortion and fraud.
This is a new threat to business, and unfortunately is not covered under the General Liability Policy. Cyber Liability insurance provides coverage to first and third party losses due to hacking, computer system/cloud computing viruses, security breaches, rogue employees, intellectual property rights infringement, identity theft, cyber threats, and extortion.
Professional Liability Insurance
This type of insurance protects the business from third-party claims due to negligence in the performance of professional services. Professional liability can take on a different form varying by profession. In the medical professions it is called Malpractice Insurance, and in other professions this type of coverage is also called Errors & Omissions (E&)) Insurance in the financial services and general contracting fields.
Florida Workers Compensation
Florida State Law requires this coverage to be purchased for Construction and Non-Construction Industry business for their employees.