HOW CAN WE HELP YOU?

Click to Call
Coastal Premier Insurance Group, Inc.

902 Clint Moore Rd. Suite 132
Boca Raton, FL 33487

Get Directions

Garage vs. Carport

Posted on by agentinsure

As a homeowner, you face an important decision for your property: whether to purchase a garage or a carport. Both are designed to house your car, but they have different features that you’ll want to consider when deciding which to purchase.

1. Open vs. Closed

A carport has exposed and open sides. Your vehicle will not be behind a locked door, so someone could walk up to it. This is not the case for a garage, which has a door that keeps your car secure and locked away when you’re at home. This means there is little privacy with a carport, but privacy is available in a garage.

2. Size

Depending on how many vehicles you want to store, you can get a carport or a garage to fit that size. Both of these can be whatever size you need. The carport will only need a rock or concrete foundation, while the garage will need a full floor in each bay if that’s your option.

3. Weather Protection

While the carport and the garage can keep the rain off your vehicle, the garage offers full protection from weather elements. Other types of weather and debris can fly into the carport, causing damage to the vehicle, which is much more accessible than with a garage.

4. Accessibility

If this is important, you might want to consider a carport. With a garage, you need a key to get in and out, and it can be more trouble than it’s worth for some people. Carports allow you to park how you choose and exit wherever is best for you.

5. Cost

Probably the one thing that homeowners look at is the cost and what fits into their budget. A carport will be cheaper than a garage because it is only a structure with a roof. Garages have enclosed sides and garage doors, which can be much more expensive.

If you’re looking for home insurance in the area of Boca Raton, FL, contact our team at Coastal Premier Insurance Group today for more information.

Do Sole Proprietors Need Commercial Insurance?

Posted on by agentinsure

Being a sole proprietor is the simplest way to structure a self-employed business. However, this legal structure offers little protection, and you’re unlikely to have much protection from personal insurance policies. Therefore, if you’re one of the many sole proprietors in Boca Raton, FL, you may indeed want commercial insurance.

Understanding the Risks in Florida

As a sole proprietor in Boca Raton, FL, you can be personally liable for any debts or damages related to your business. This means if your business faces a lawsuit or incurs debts, your personal assets — possibly including your home or savings — could be at risk.

Additionally, no business structure offers robust protection for your business itself. If your business is responsible for major property damage or a severe injury, it might be sued regardless of whether it’s a sole proprietorship, LLC, or corporation. Using one of these other structures merely offers you some personal protection.

Protecting Against the Risks

Commercial insurance is available to protect your business against many of the risks it faces. In doing so, a commercial insurance policy can offer you greater personal protection. Although the insurance is for your business, you’re less likely to be personally sued if a settlement is covered by commercial insurance.

There are many types of commercial insurance you might consider. General liability insurance, commercial property insurance, and product liability insurance are a few of the things that we at Coastal Premier Insurance Group often see sole proprietors get. Which you should have depends on the particular services or products you offer.

Find the Commercial Insurance You Need in Boca Raton

If you’re a sole proprietor in Boca Raton, FL, let Coastal Premier Insurance Group help you find the commercial insurance you need. Contact us today to speak with an agent.

How Umbrella Insurance Gives You More Liability Coverage

Posted on by agentinsure

Protecting Your Assets with Umbrella Insurance

If you own a home and a vehicle, having substantial insurance on both is pivotal to protect your assets. The issue lies in the fact that home and auto insurance policies often offer limited liability coverage. However, this problem can be resolved by acquiring umbrella insurance. For more information on how this coverage can shield you financially, please get in touch with us at Coastal Premier Insurance Group in Boca Raton, FL.

Liability Coverage for Two Policies

Umbrella insurance goes beyond providing liability coverage solely for an accident in your home or car. It substantiates both policies, providing an extensive range of coverage with extremely high maximums applied to both of your insurance policies. Whether there’s an accident in your vehicle or if someone gets injured in your home, the policy will bear the expenses such as medical bills that may arise post-accident.

Covering Outstanding Bills

Umbrella insurance operates as a secondary coverage following the primary policy. Your home or auto insurance is the first policy that will step in when an accident occurs. This policy covers the resulting bills until they reach their limit. If there are still bills, your umbrella policy will handle them afterward. This spares you from dipping into your own pocket to cover the surplus, which can be immensely high after severe accidents. There may be many bills to pay, including continuous ones like physical therapy costs post-accident, which your umbrella insurance can take care of.

Acquire Umbrella Insurance

If you haven’t secured umbrella insurance yet, we’re here to assist you. Simply contact us at Coastal Premier Insurance Group in Boca Raton, FL.

The Importance of Taking an Inventory of Items In Your Home Annually

Posted on by agentinsure

Have you ever wondered if you have an accurate record of all the belongings in your home? At Coastal Premier Insurance Group in Boca Raton, FL, we recommend inventorying your household items each year. It’s a simple task that can make a big difference.

Why Annual Inventories Matter

Life happens fast, and it’s easy to lose track of what you own. An annual inventory helps you know exactly what you have, making it easier to file an insurance claim if needed. In the unfortunate event of theft, fire, or natural disaster, having a detailed record can expedite the claims process and ensure you receive appropriate compensation.

How to Get Started

Creating an inventory might seem daunting, but it doesn’t have to be. Start by going from room to room, listing items, and taking photos or videos. If possible, include details like purchase dates, serial numbers, and receipts. Even apps are available to streamline this process, making it efficient and thorough.

Benefits Beyond Insurance

An inventory isn’t just useful for insurance claims. It can also help you assess whether you have adequate coverage for your possessions. As your collection of valuables grows, so should your policy. Knowing what you have lets you make informed decisions about your insurance needs.

Peace of Mind

A comprehensive inventory provides peace of mind, knowing you’re well-prepared for unexpected events. It’s a proactive step in protecting your home and possessions.

For more tips on taking a home inventory or to review your insurance coverage, contact Coastal Premier Insurance Group, which proudly provides home insurance to residents in the greater Boca Raton, FL, region. We’re here to help safeguard your home and everything in it.

Six Ways Business Insurance Protects The Future of Your Business

Posted on by agentinsure

Did you know approximately half of all businesses do not have business insurance? At Coastal Premier Insurance Group of Boca Raton, FL, we aim to secure your enterprise’s future. We provide our commercial clients with coverage that safeguards them and delivers peace of mind.

If you operate a business in the Boca Raton area, here are just six ways business insurance can help protect your future.

1. Business Income Protection

A business insurance program can include business income protection should your business have to close due to a covered calamity. This can provide the time you need to rebuild your business while retaining your key employees.

2. Theft Protection

Theft, whether internal or external, is a significant threat to the future of many businesses.

3. Cyber Crime

Data security issues are not decreasing; they’re becoming more of a problem for small businesses. Cybercrime can damage a business for years, and business insurance can help protect your interests.

4. Life Insurance

While technically not business insurance, life insurance for partners and key employees can ensure the future of your business.

5. Liability Insurance

A mishap like a slip and a fall or an unfortunate action by an employee can pose both immediate and severe threats to your business. Liability insurance cannot only cover any judgments or settlements, but it can also cover legal expenses.

6. Real Property Losses

If you own a building, machinery, or equipment or keep a substantial inventory, you are at risk every day from losses due to fire or natural disasters. Protect your investments with business insurance.

Contact Coastal Premier Insurance Group Today

Let’s discuss your business and your potential risks. We can then provide a business insurance quote that helps protect your interests.

Many of our clients are pleasantly surprised by how affordable business insurance can be. We are Coastal Premier Insurance Group of Boca Raton, FL, and we would be proud to have your business as a client.

Common Mistakes to Avoid When Filing Umbrella Insurance Claims

Posted on by agentinsure

Umbrella insurance offers extra protection beyond standard policies’ limits around Boca Raton, FL. However, filing a claim under an umbrella policy can be complex, and avoiding common mistakes is essential for a smooth process and successful resolution.

Misunderstanding Policy Coverage

Umbrella insurance covers liability claims exceeding the policy limits in different insurance policies. You must review the policy to stay on top of what is covered, including any exclusions and conditions. This knowledge helps avoid filing claims that fall outside the policy’s scope.

Delaying the Claim Filing

Promptly reporting an incident is vital when dealing with umbrella insurance claims. Delays and lack of communication may result in a denial. As soon as you become aware of an incident that might lead to a claim, notify your insurance provider immediately. This timely action ensures that the insurer can begin the investigation process promptly.

Inadequate Documentation

Proper documentation is essential when filing a claim. Inadequate or incomplete documentation can hinder the process. Ensure you gather all necessary documents, including incident reports, photographs, medical records, and any correspondence related to the claim. Detailed and accurate records support your case and facilitate a smoother claims process.

Not Following Policy Procedures

Failing to follow the procedures outlined in your policy can jeopardize your claim. Each insurance policy has specific requirements for filing and managing claims. Familiarize yourself with these procedures and adhere to them closely. This includes submitting all required forms, providing requested information, and meeting any deadlines specified by your insurer.

Coastal Premier Insurance Group Helps Guide You

Coastal Premier Insurance Group will help guide you and show you how umbrella insurance can save you in the long haul. Our team covers the Boca Raton, FL region. Get in touch with us today.

What value will come with having a full home insurance plan in Florida?

Posted on by agentinsure

If you are living in the Boca Raton, FL area, you may find owning a home is a great idea. If you want to buy a home here, you must also get the right insurance. For property owners here, this will mean having a full home insurance plan. A proper insurance policy for your home here will come with various benefits and forms of value.  

Ensure Assets are Covered

One advantage of having a home insurance plan in place in Florida is that you will know your assets are covered. Your home is likely the largest asset you will ever own, and being able to repair or replace it when necessary is quite important. If there is a fire or other issue under your policy coverage, your insurance will provide support to make necessary repairs and replacements. 

Liability Support

You also should obtain a home insurance plan for liability support. If you are found liable for various types of accidents, it could be covered by your home insurance plan. This can prove to be quite helpful and will reduce any financial burden that can come with a liability claim. Because of this, you will want to be assured you have sufficient coverage to handle such claims. 

It would be best to have a full home insurance plan when buying a property in the Boca Raton, FL, area. When you are trying to find a new policy in the area, it would be a great idea to call our professionals with the Coastal Premier Insurance Group. Our team with Coastal Premier Insurance Group knows the value and importance of this coverage and will offer any guidance you need to build your next plan. 

Does an LLC Owner Need Umbrella Insurance?

Posted on by agentinsure

Small business ownership presents unique insurance challenges and requirements. Coastal Premier Insurance Group is here to assist LLC owners in Boca Raton, FL, in navigating the complex world of insurance products. This article outlines the advantages of umbrella insurance for small business owners and how it can protect their businesses.

Why Landlords Should Consider Umbrella Insurance

If your LLC involves renting out properties, umbrella insurance can offer extra peace of mind. A lawsuit claim often exceeds general liability coverage limits, leaving you responsible for the excess amount. An umbrella policy can cover these extra costs, ensuring your business isn’t bearing the burden.

Umbrella Insurance for High Revenue Businesses

Umbrella insurance can also benefit businesses earning more than $250,000 annually. It provides additional protection for both your business and personal assets.

Does Your Business Type Necessitate Umbrella Coverage?

The nature of your LLC’s operations often dictates whether umbrella insurance is a prudent choice. For instance, if your business deals frequently with customer properties, you operate in the public sphere, or your employees drive for work-related purposes, an umbrella policy can safeguard against potentially expensive liability claims.

Considering Umbrella Insurance Coverage Level

Choosing an umbrella insurance policy requires a thorough understanding of your business’s value. It’s useful to consult with an experienced insurance agent to help determine the appropriate coverage level. Often, your net worth guides policy selection, as there’s no need to insure beyond your total holdings.

Coastal Premier Insurance Group: Boca Raton’s Trusted Insurance Associates

At Coastal Premier Insurance Group, we are pleased to provide comprehensive insurance solutions to LLC owners in Boca Raton, FL. We are here to assist if you’re unsure about your insurance needs or seeking expert guidance. Call, email, or visit us in person for stellar insurance services today.

Confused About Umbrella Insurance?

Posted on by agentinsure

The Importance of Umbrella Insurance for Your Business with Coastal Premier Insurance Group

Coastal Premier Insurance Group has a solid track record of helping businesses in Boca Raton, FL, find reliable protection, including umbrella coverage. However, we find that many people are confused about the actual need for umbrella insurance. The short answer is – the coverage can be indispensable. Here’s why.

Demystifying Umbrella Insurance

Umbrella insurance is a supplementary liability coverage that kicks in once your standard policy limit is exhausted. It is one of the most comprehensive types of protection available and is designed to provide long-term support for businesses of all sizes and types.

How Can It Benefit Your Business?

Most businesses never need to utilize their umbrella insurance policy because high-liability lawsuits are relatively rare. However, like a literal umbrella, it’s there to provide protection when it "rains." Without it, you could find your business drenched in hefty legal fees, potentially leading to a financial crisis.

Consider a scenario where your business faces a class action lawsuit that amounts to a sum far exceeding your current liability coverage. If you lose that lawsuit, your existing liability coverage will protect you up to its limits, beyond which the umbrella policy will cover the excessive amount, keeping your finances intact.

Although umbrella insurance, too, has a maximum payout limit, it is usually far more comprehensive than standard liability coverage. Therefore, all businesses, regardless of their size or nature, should seriously consider this type of protection to avoid potential coverage gaps.

When to Contact Us

The team at Coastal Premier Insurance Group is always ready to help businesses in Boca Raton, FL, get the robust umbrella insurance policies they need. Whatever your operations, we’re here to support you! Please reach out to us to learn more about our services. We’re geared to provide the help you need.

Is it important to have a home insurance plan in Florida?

Posted on by agentinsure

The Boca Raton, FL area can be a great place to live and visit. This can make it an excellent choice for anyone looking to purchase real estate, either as a permanent residence or as a vacation home and investment property. However, if you decide to invest in real estate in this area, it is essential that you obtain a comprehensive home insurance plan. Such coverage is crucial for several reasons.

Ensure Your Assets are Covered

Every homeowner in Boca Raton will want to have a home insurance plan to ensure their assets are fully covered. Acquiring real estate here, along with purchasing necessary personal items, often requires a significant investment. With a comprehensive home insurance plan, you will receive support to ensure your financial recovery if you suffer losses due to covered risks. These risks might include fire damage, severe weather events, or incidents of theft or vandalism.

Liability Risk Mitigation

There’s always a risk of liability claims stemming from accidents that happen on your property. With a comprehensive insurance policy, you are provided with liability risk mitigation. This means that you will have financial support should you be held liable for damages incurred by another individual.

Ensuring your home in Boca Raton, FL, is adequately insured and protected should always be a priority. A perfect way to achieve this is by contacting our experienced Coastal Premier Insurance Group team. Our knowledgeable agents can provide you with the assistance needed to create your ideal insurance policy, giving you the comfort and peace of mind that comes from knowing your home and assets are protected.