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

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Is Commercial Insurance a Necessity for Businesses?

Posted on by agentinsure

No commercial insurance is not a necessity, and this is why many businesses do not invest in it. It is a type of insurance that all businesses should look into. With the right policy, you can be well on your way to having peace of mind in knowing that all aspects of your business are adequately protected. Let’s take a closer look at what commercial insurance is and why you should invest in a policy at Coastal Premier Insurance Group in Boca Raton, FL.

Why Commercial Insurance?

If you are concerned with mitigating the risk of having ownership in commercial property, then you should carefully consider the advantages of commercial property insurance. Many different disasters can occur at any time, wiping out your entire business (like fire and storms). With the right commercial insurance policy, you can sleep better at night knowing you are protected. 

Did you know that commercial property insurance is tax deductible?

That’s right! Any money that you invest toward a commercial insurance policy can, in fact, be deducted off your taxes owed once tax season rolls around. You are earning back money for investing in coverage for your company. It’s a win-win! Also, if you have to make a claim on your commercial property insurance, the funds that you receive can be deducted from your taxes as well. It is important to speak with an insurance agent or the IRS before going this route.

There are many reasons for you to think about investing in a commercial insurance policy for your business. If you have questions about this type of insurance, please do not hesitate to reach out and contact the Coastal Premier Insurance Group serving the Naples, Port Charlotte, and Boca Raton, FL area. Our agents can help you find the insurance policy you need for your Florida business.

Umbrella vs. Shopping Around for More Robust Policies

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Umbrella insurance sounds like a good idea but it might not be right for everyone. Before signing an umbrella package, you’ll want to look at what it can offer you. If you are unsure of what to do in your situation, talk with our agents for guidance at Coastal Premier Insurance Group.

You have to consider that there are some things that umbrella packages will not cover in Boca Raton, FL or anywhere else for that matter. For instance, you’re going to have a hard time finding an umbrella package that includes a policy to protect you from liability claims against your business. Umbrella coverage may be a great option to build a foundation for your business. It can cover against personal claims and property damage, but a business has many insurance needs. Even with an umbrella plan in place, you’ll need to make sure that your existing business insurance policies do not leave you coming up short to cover the damages.

Furthermore, you still need to have basic coverage in place for your home, your auto, and so on. Umbrella is not an all-in-one policy so much as a "just-in-case" plan to lean on should you need to make a claim for damages that exceed your existing coverage.

That said, the deal you can get on an umbrella plan vs. paying for higher premiums on a half dozen individual policies can be significant. Ultimately, the umbrella policy will help. Instead of buying a series of robust policies, you buy one plan that offers additional coverage to all of them.

An umbrella policy is there to put the extended limits on your current policies. It goes the distance when you reach your policy limits. Talk with an agent at Coastal Premier Insurance Group in Boca Raton, FL to learn more about what an umbrella policy can do for you.

How Commercial Insurance Can Protect Your Business

Posted on by agentinsure

There are many factors that go into being a business owner in Boca Raton, FL, including having the proper commercial insurance for protection. Commercial insurance is for businesses and protects companies financial interests. There are many ways that commercial insurance from Coastal Premier Insurance Group can protect a business. Some may include:

Theft Protection

What happens if someone breaks into a business in the middle of the night? With the proper theft coverage written into a policy, the business owner is covered from losses. Some theft coverage policies have deductibles to be met before coverage begins, so check with your insurance agent to tailor a policy for your business needs.

Liability

This coverage protects the company if a third party (Customer, Vendor, etc.) is injured on work premises. These policies also protect against any damage to an individual’s personal property. For example, if a customer’s car is damaged by an awning collapse, the damage to the vehicle would be covered under a liability policy. 

Property Damage

This type of insurance coverage takes care of damage to buildings or property that occur due to any unforeseen circumstance. Most people think of fire and flood, but a business can be damaged from anything from a car careening out of control and hitting the business, to damage resulting from weather. 

Injured Employee

Worker’s Compensation is a type of commercial insurance that many don’t realize. In the event that an employee becomes injured on the job, this type of coverage ensures that the employee continues to receive a portion of their wages. In addition, they will have coverage for medical bills related to the injury.

For business owners in Boca Raton, FL, contact Coastal Premier Insurance Group today for your Commercial Insurance needs. We can help you find the policy that is right for your business. Reach out to us by phone or drop by our office for answers to questions and policy details.

Fighting Mold In Boca Raton

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Boca Raton, FL, like so many towns in Florida, is one of those towns where you see vinyl siding on just about every house you come across. Beautiful old mansions are lined with vinyl siding. Trailers and prefabs, apartment buildings, vinyl siding, is on everything. The reason for that is, of course, the weather. The heat will have any other siding suffering extreme damages when it expands and contracts, and metal siding will rust faster than paint dries thanks to all the salt and moisture in the air.

Mold is perhaps a homeowner’s number one concern in Florida. Once mold sets into your floorboards or your roof or your foundation, you’re looking at some very costly repairs if the termites don’t turn your home to sawdust first. Coastal Premier Insurance Group can help you to cover some of the costs when you do suffer damages, but it’s best not to suffer damages. Here are some tips for preventing mold in Boca Raton, FL:

  • Check your pipes regularly. You should be checking your pipes for leaks on a regular basis. The slightest leak can turn into some major damages quicker than you might think.
  • Keep your place ventilated. If the air is starting to feel stuffy, get some room fans or check out your HVAC system to make sure it’s running well and the filter is clean.
  • Avoid wood when you can. You can get vinyl flooring that looks and feels just like hardwood.

Coastal Premier Insurance Group can help to make sure that you are covered if something goes wrong, but it’s up to you to try and make sure nothing goes wrong.

Are Hurricanes Covered Under Home Insurance Policies?

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Citizens who live in the Boca Raton, FL area are familiar with hurricanes. Living on the coast of a peninsula means that people need to be prepared for natural disasters such as hurricanes. This means purchasing water, non-perishable food, and staying up to date with emergency disaster plans in the case of an approaching hurricane; however, many people neglect to prepare their home for a hurricane as well. People living in the Boca Raton, FL area need to know whether or not potential damages from hurricanes are covered under their home insurance policy. Important information from Coastal Premier Insurance Group is summarized below.

Most home insurance policies include coverage for water damage. This includes damage from a busted pipe, torrential downpour, but not hurricane damage. Hurricanes bring winds in excess of 75 MPH. A category five hurricane brings winds in excess of 150 MPH. These are major winds that can launch cars, trees, and other heavy objects that can do major damage to homes. If people are not covered for wind damage under their home insurance policy, they could end up paying for the repairs on their own. This can cause major financial stress for any family. Citizens living in hurricane-prone areas should ensure that they are covered for wind damage in addition to water damage. This will protect a home in the event that a hurricane strikes.

People with questions about their policy should contact an experienced insurance agent serving the local area. An experienced insurance agent with Coastal Premier Insurance Group will be able to provide the professional guidance necessary to keep a home protected in the event of a hurricane. Ensure that all important belongings are protected with the proper home insurance.