Motor Vehicle

• Auto Insurance
  Don’t be a victim of PIP fraud. PIP fraud impacts all of us. Take a close look at your auto insurance policy and you will find that your PIP premium is, if not the same, higher than the total of the other coverage’s combined.
• Motorcycle Insurance
  Did you know that motorcycle accidents are the most common of road accidents? Aside from accidental damage, you would also want to protect your motorcycle against theft. Motorcycles are much easier to steal than cars and larger vehicles. There are a number of insurance companies that provide motorcycle insurance coverage.
• Boat Insurance
• Truck Insurance
  Whether your drivers are driving locally or long distance, a commercial truck insurance policy is a must. A Commercial trucking insurance policy is designed to help protect against loss to any number of hazards, including physical damage to the truck and other vehicles, liability to trailers both owned and non-owned and damage to cargo.

Property

• Renters Insurance
  Renters insurance provides financial protection against the loss or destruction of your possessions when you rent a house or apartment. While your landlord may be sympathetic to a burglary you have experienced or a fire caused by your iron, destruction or loss of your possessions is not usually covered by your landlord’s insurance. Because, in most cases, renters insurance covers only the value of your belongings, not the physical building, the premium is relatively inexpensive.
• Home Insurance
  DP 00 03: Dwelling Property – Special Form. Similar to a comprehensive home insurance florida policy, except that there is no theft coverage for personal property or liability/medical payments coverage.
• Condo Insurance
  This condo insurance coverage protects personal property in your home like clothes or furniture. It also provides protection for your personal property with you while away from home in many places throughout the world.

Health and Life

• Life Insurance
  Life Insurance – Depending on your mortgage and financing you may need to carry a hefty life insurance policy to satisfy your lender. It is also a good idea to have life insurance, in case something does happen to you and your family isn’t left with a restaurant they don’t know how to run and bills they can’t pay.There is insurance for just about any object, action or person out there. Here are some other types of insurance you can purchase for your restaurant. But keep in mind, these extras will cost you as much or more than whatever it is you are insuring.
• Health Insurance
  If you and your regular passengers already have health insurance that covers similar expenses, medical payments coverage may be unnecessary. Check your Florida health insurance policy for details.
• Long Term Care

Business

• Business Insurance
• Commercial Property Insurance
  Commercial Property Insurance is a must for your business. It is important to protect your property, equipment, and supplies from potential hazards and loss.
• Workers Compensation Insurance
  Workers Compensation – Protects you if an employee is hurt at work. Even though Texas Doesn’t require workers comp it’s still a very good to have.
• Professional Liability Insurance
• Restaurant Insurance
  One area in the restaurant business you do not want to skimp is insurance. Insurance can protect you and your business for a myriad of problems, from broken equipment to liability lawsuits. Depending on where you live, you will need certain types of insurance for your restaurant. You will also need to carry certain types of insurance to satisfy your bank loans and mortgage.

Personal

• Liability Insurance
  General Liability – This is the umbrella policy that protects you in the event someone slips and falls in your restaurant, gets sick after eating there (whether it was your fault or not). This is a must have in today’s sometime sue-happy world.

Natural Disaster

• Flood Insurance
  Flood insurance covers direct physical loss caused by “flood.” In simple terms, a flood is an excess of water on land that is normally dry. Here’s the official definition used by the National Flood Insurance Program.
• Earthquake Insurance
  A number of other coverage’s such as flood insurance or earthquake insurance or owned vehicle coverage and specialized liabilities are generally not included in POBs. Some of these may be available separately for extra premiums.