Category Archives: Florida

11 Naples Florida Car Insurance

Cheap Car Insurance Naples Florida

Are you overpaying for your car insurance?  Do you think you could get a better coverage for less money?

If the answer to the above questions is in the affirmative, then read on. We can help!

LNC Insurance Providers has been serving the sunshine state for over a decade. We have great rates on auto insurance, truck insurance, motorcycle insurance, commercial auto insurance and more! With offices in both Miami and Naples, as well as satellite presences throughout Florida, we are committed to helping you find the best rates without having to compromise on the quality of coverage.

If you are looking for a Car Insurance Quote, then all you have to do is follow the instructions below.

We can deal by phone, emails, or you can come by to say hello and meet us for an informative chat. We are confident you'll be happy you did.


CALL: 1 (239) 431-3515

We have access to Discounts and Special Program Offers

  1. Safe Driver Multi Line Discount
  2. Smart Driver
  3. Student Driver
  4. Good Driver
  5. Accident Free Driver

Our address in Naples:

660 9th Street North #35A, Naples FL 34102
Phone: 239-431-3515

What makes our agency stand out from the competition?

We don't just specialize in affordable, cheap car insurance in Naples. We are a family owned and operated insurance agency and we pride ourselves in offering the very best customer service. We can also provide you with the most competitive car insurance quote Naples.

Who do we work with?

As an independent agency, we only work with A+ Insurance Carriers

  • The Hartford
  • Zurich
  • Starr
  • Metlife
  • Progressive
  • Hiscox
  • Liberty Mutual

Car Insurance Quote Naples

Send us your request in confidence. We do not share emails and potential customers private information with anyone. When you fill an application on our website, we, (LNC Insurance providers employees) are the only people you'll ever hear back from. And we will not hog your email box with incessant email reminders either. We know what it feels when it happens to us, and we would never do it to others.

Information in the red box below is required

Personal information

Other Drivers in you Household

Information about your car

FR44 or SR22 Filing

Did you know?

People often over pay for their car insurance and they don't always know it.

Here's a scenario that might sound familiar, and when you should get a car insurance quote:

  1. You have have driven your car for a number of years and over the times, your driving record has improved.
  2. Your car or truck which you own has depreciated over time.
  3. Carriers are running specials
  4. You have taken safe training classes

Everything you need to know about car insurance in Naples?

There is a reason why Naples is such a lovely place to call home. Nested along the Gulf of Mexico, this area of Southwest West Florida features some of the most breathtaking vistas and beaches in the land. In fact, Naples has become such a trendy destination for people who want to part take in its lifestyle that over the years, traffic has become an issue, particularly during peak tourist times when it can become downright congested. As such every driver should be prepared with a comprehensive Naples car insurance policy.

If you are a Naples driver looking for cheap auto insurance, then we can definitely help. Call us for a friendly chat and let us work out a policy that offers you the most coverage for a price that fits your budget.  Protect yourself, your family and others against Naples modern driving risks.

Here are some information you might want to consider:

  1. The national average cost per year for auto insurance is $1,311
  2. In Florida, this figures goes as high as $1,742
  3. Making Florida the fifth most expensive state in the US for auto premiums

Florida Car Insurance: What are the requirements?

Auto insurance is mandated by law in the state of Florida. Minimum coverage starts at $10,000 (individual injuries), $20,000 (total injuries) and $20,000 (resulting property damage).

The above are the strict mandated minimums as required by law.  It is just a starting point and your car insurance policy should be broader than that. As a result, there are a number of options for extra coverage and it is important to realize that analyzing these extras with the right people can save you thousands of dollars every year.


CALL: 1 (239) 431-3515

Uninsured motorists in Florida. One of the reasons for high auto insurance premiums

For some reason, Florida has the in-enviable distinction for the highest number of uninsured drivers at 23.8 % compared to the national average of 12.6 %

Number of auto thefts in Florida

Florida fares better than the rest of the nation in terms of car theft at 2.48 for 1,000 vehicles compared to 2.94 elsewhere.

When we buy a new car, auto theft rarely crosses our mind as a possibility that we might have to deal with. We think about other risks such accidents, vandalism etc... but theft is seldom something we focus on. Perhaps this is borne by the numbers as 2.48 cars are stolen for every 1000 cars and the odds of us featuring in that number are pretty poor. Nevertheless, it is important to secure a policy that includes total coverage for auto theft in the car insurance plan.

Take action now. Find a great Naples Car Insurance Policy

Finding a Naples car insurance package that offers the maximum protection for the least amount of money is easier said than done. But we can help by finding you the best coverage at the most affordable price. Our Florida based agents have an expertise in the car insurance market throughout the sunshine state of Florida and we can bring that expertise forward and help you in your quest.


CALL: 1 (239) 431-3515

11 Business Insurance Quotes Florida

Florida Small Business Insurance Quotes

Are you wondering how to get an affordable Business Insurance Quotes Florida? The answer to that question might not be as straightforward as we would like it to be. However when it comes to protecting your business against potential legal liabilities please find below the 8 insurance plans your business should have.

Get Your Florida Insurance Quote Now

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Business Insurance Quotes Florida

If you live and work in Florida, then you already know that the sunshine state is more than a paradisiac vacation destination. It is a growing hub of business, which serves as the connecting point for Europe and South America markets.

It is also a place which has seen more than its fair share of fierce and often destructive weather systems. These can (and have) devastate personal and commercial properties.

Save Money on Business Insurance in Florida

Call us now to find out how: 888-913-6988

A business insurance in Florida would serve as the first line of defense, thus protecting your business property and assets. This insurance coverage should include buildings, computers, equipment and various other assets. Also included in some policies is a protection against earning losses due to unforeseen business interruptions.

If nothing else, a Business Property Insurance is a must.

business insurance quotes florida

General Liability Insurance

This insurance protection, while dependent on several factors, is actually required in Florida. It offers coverage and help defend against third party property damage claims. These might include bodily injury suffered because of services and or products provided by the company, for both customers and business employees. Take the next step and ask us for a Business Insurance Quotes Florida.

Save Money on Business Insurance In Florida

Call us now to find out how: 888-913-6988

Commercial Auto Insurance

If you operate a vehicle for business, be it as the sole driver or the owner of a fleet of vehicles, commercial auto insurance is actually required for Florida businesses. Most importantly, this specialized commercial insurance covers all vehicles used for and by your business, including trucks, company cars, SUV's and Vans. Even if your employees use their own car for their work, you should consider carrying a non-owned liability coverage in case an employee drives a car without insurance. Click here for more information on how we can help you with and Auto Business Insurance Quotes Florida

Business Owner's Policy

This is a bundled policy which provides all state required coverages in one single package. Therefore, it is ideal as a business insurance in Florida and can be tailored to fit the particular requirements and realities of you business. Besides that, you can find great deals out there, and more importantly by contacting us for a Business Insurance Quotes Florida.

Worker's Compensation Insurance

Also known as workman's comp, this is one business insurance your company cannot do without as it is mandated by the state of Florida. This policy provides medical benefits and partial wage replacement for employees who suffer injuries whilst working. The added benefit of this insurance cover is that employees who accept the benefits provided by the policy also agree not to take legal action against your company.

Officer and Director Insurance

An insurance coverage that protects your business in case of monetary losses or damages caused by a director's, company's officer's or manager's actions. If said actions lead to a lawsuit, the policy will also help with legal defenses.

Professional Liability Insurance

This is one of several very important business insurance in Florida. A professional liability insurance provides protection against damages and or injuries that occur as part of the day to day running of a business. This policy will also help with legal bills if a lawsuit is initiated against the company.

Data Breach Insurance

A topic that is at the fore front of every news item today, and for good reasons. Indeed, this insurance protects against data breach when private personal information stored on a company's computing resource are compromised.

We hope the information above has served as an illustration on how how you should protect your business in Florida. Large or small, newly launched or already established, as a business owner, you should take steps to protect your company.

Save Money on Business Insurance In Florida

Call us now to find out how: 888-913-6988

Did you know that business owners can sometimes team up on insurance, if state laws allow it? Sound interesting? Here is an article by the Miami Herald you might want to read.

11 General Liability Insurance Florida

Get Your Florida Insurance Quote Now

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Business Liability Insurance

GL, (General Liability Insurance), is a specialized insurance protection that businesses seek to protect themselves against a variety of claims such as:

  • Bodily injury and property damage liability
  • Personal and advertising injury
  • Property damage
  • Medical payments
  • Damage to premises rented to you

It is a business liability insurance which often go hand in hand with a Business Owners Policy (BOP).

Even though employers in the state of Florida are not required to carry insurance for every aspects of their day to day operation, certain types of insurance are indeed required. These requirements depend on the number of employees a company employs, whether vehicles are used for business.

Businesses can fall prey to a variety of lawsuits/legal challenges and a business liability insurance is one the first line of protection for professionals such as contractors.

Save Money on Business Liability Insurance

Call us now to find out how: 888-913-6988

General Liability Insurance for Contractors

Also known as Contractors Liability Insurance, this insurance plan serves as the first line of defense for you and the members of your team. It offers protection to your contracting business and safeguards your livelihood from unexpected financial loss.

The construction industry and all related contracting services have their fair share of operational risks. Whether your business has a storefront which customers can visit (and possibly get hurt while on your premises, or whether you work in people's homes by offering your painting, drywall, cabinet and all manner of contracting services, you could be held liable to products your install what my cause physical harm to the homeowner and his or her family.

For that reason, it is important that you consider purchasing a General Liability Insurance.

General Liability Insurance Florida

Cheapest General Liability Insurance Small Business

The answer to that question is simple and understandable. Out of the ten most devastating hurricanes in the US, a whooping 7 of them made landfall in Florida, six of them occurring in the years 2004 and 2005.

Notwithstanding the cost of damages in human terms, hurricane often leave behind a trail of devastation that can amount into the billion of dollars. As a whole, the sunshine state is still reeling from the effects of the Irma, a category 4 hurricane that hit the state in 2017.

In addition to Hurricanes, Florida also has to deal with a range of other disasters such as wildfires and tornadoes.

Most people look for ways to save money on goods and services they purchase, either of their own personal use or for their business. The same can be said for companies who need liability insurance. The best way to find cheap small business insurance is not as hard as it may sound:

  • Compare quotes
  • Bundle policies
  • Manage your risks

As a specialized insurance agency in Florida, we are often told by customers that a business insurance may be an investment they don't really need. Here is the reality of the situation though:

  1. Over 30 percent of small businesses are sued
  2. Nearly 70 percent of them said that their businesses suffered greatly from the expenses associated with having to defend against these lawsuits

If you think that lawsuits only happen to large companies, think again. Small businesses are often targeted by such legal challenges and face thousands of dollars in expenditure against all kinds of lawsuits, including the frivolous ones that may cost between $2000 and $5000.

Save Money on Business Liability Insurance

Call us now to find out how: 888-913-6988

Commercial General Liability Insurance

CGL (Commercial General Liability Insurance) was introduced in 1986 as a replacement for the "comprehensive" general liability policy. It is a specialized insurance protection issued to businesses in order to protect them against liability claims for property damage (PD), bodily injury (BI), completed operations, advertising and personal injury liability (PI).

Florida Business Insurance Requirements

In Florida, employers are requited to provide workers' compensation insurance for their employees. The specifics of these requirements are based on the number of employees, the industry and the entity organization.

For more information check

11 Spring Maintenance Tips to Protect Your Home

Tips on how to lower your homeowners insurance costs

LNC INSURANCE PROVIDERS Offers Spring Maintenance Tips to Protect Your Home

Following these simple steps can even, in some cases, lower your homeowner's insurance premiums

FLORIDA - A home is one of life's most important investments. Keeping it properly maintained can help reduce the risk of a loss and help ensure the safety and well being of friends and family. Just in time for spring, LNC INSURANCE PROVIDERS, a leading insurance agency of auto and homeowners and commercial insurance, offer these maintenance tips to prepare your home for warmer weather and to keep it safe year-round:

  • Inspect your smoke detectors. Make sure that there is one on each floor of your home. Test them and change the batteries at least every six months, when you change your clocks.
  • Check the light bulbs in all your fixtures to be sure that they are the correct wattage as recommended by the manufacturer.
  • Replace lamps that use high-producing bulbs (such as halogen) with those that use fluorescent bulbs and operate at much cooler temperatures.
  • Check your electrical outlets for potential fire hazards such as frayed wires or loose-fitting plugs. Be sure not to overload electrical outlets, fuse boxes, extension cords or any other power source.
  • Keep a multi-purpose fire extinguisher accessible that is filled and ready for operation.
  • Have your air conditioning system inspected by a professional as recommended by the manufacturer.
  • Check for damage to your roof, and clean gutters and downspouts to keep debris from accumulating.
  • Check your water heater for leaks and corrosion, and keep surrounding area clear.
  • Clean and/or replace your furnace filter.
  • Clean the clothes dryer exhaust duct and space under the dryer. Remove all lint, dust, and pieces of material or cloth.
  • Inspect washing machine hoses and replace hoses that show signs of wear or leakage with stronger reinforced hoses. Turn off the water when not in use to prevent water damage if a hose breaks.
  • In your yard, remove all dead trees and keep healthy trees and bushes trimmed and away from utility wires. Do not attempt to remove tree limbs from power lines yourself.  Instead, call your power company to request assistance.
  • Safely store oil and gas for lawn equipment and tools in a vented, secured area.
  • Repair driveway and walkways that are cracked, broken or uneven to provide a level walking surface.

Save Money on Homeowner's Insurance

Call us now to find out how: 888-913-6988

Established in 2006

LNC INSURANCE PROVIDERS is an independent insurance agency offering a full range of insurance products including AUTO, HOME, COMMERCIAL,, BOAT, MOTORCYCLE, ETC.  

11 Florida Commercial Insurance Coverage And The Various Steps Business Owners Should Consider

Florida Contractor's Commercial Insurance

What falls under the scope of Florida Commercial Insurance?

There is more to Florida Commercial Insurance than merely ensuring that any commercial vehicle you operate in Florida is fully covered and insured. As such, we, at LNC Insurance Providers make a distinction between Commercial Insurance and Commercial Auto Insurance and work with A1 rated insurance companies to provide commercial coverage for the following products:

  • Truck insurance
  • Two truck insurance
  • Van insurance
  • Box truck insurance
  • Dump truck insurance
  • General liability insurance
  • Workers comp insurance
  • Contractors insurance
  • Business owner’s policy
  • Professional liability insurance

If you are reading this article, then you already know that being a business owner presents a range of challenges that can make or break a company. A lack of preparedness, namely a lack of a plan to acquire adequate insurance coverage for your business investment can indeed be one of many factors that could cause your business, any business to fail.

To that end, reaching out to the experts in Florida for Commercial Insurance Products could be the first and most important steps you can take right now to ensure that your company is properly and adequately protected.

Let's Talk About Commercial Insurance in Florida

Call us now and find out what you need to know.

What constitutes the right kind of Commercial Auto Insurance in Florida?

If you need to insure a fleet of vehicles, trucks or vans, we can write policies that will offer protection against liabilities for property damage and bodily insurance.

LNC Insurance Providers recommendation include physical damage and liability protection under a sound policy coverage particularly when certain circumstances may present situations where a personal auto policy coverage may not be sufficient.

What about General liability insurance in Florida

It is important to remember that under Florida state law, a Florida general liability insurance is indeed required for most business owners. Such policy coverage is designed to protect FL business owners from direct and indirect damages to other parties. The right liability insurance will help business owners pay for damages when they are caused by the action of your business, and or business representatives. A Florida general liability coverage will provide payment towards property damage and or personal injuries even when those affected involve visitors, customers, and or sub-contractors. Call us today and let us walk you through your options, including the various levels of insurance deductibles and policy limits.

Do you really need Workers comp insurance in Florida?

Certain types of industries do require employers to provide workers comp insurance. For example, in Florida, construction companies with one or more employees are required to provide worker’s compensation insurance to their employees.  Florida Farmers must also carry coverage when they employ five and more workers. Florida has specific requirements as to the types of legal entity in need of insurance coverage. There are differences for example between sole proprietorships who would be typically unable to receive compensation benefits under a policy that is issued to the sole proprietor and businesses established as parnethership.

Florida workers compensation insurance falls under a complex set of guidelines and we highly recommend you call us for more information.

[su_note]Questions about Commercial Insurance in Florida? Let Liz and her team of experts give you the answer that matters.[/su_note]

Florida Contractors Insurance

If you operate a Contractor's business in the state of Florida, then you know that irrespective of the types of services you and your employees provide to your local community, the failure to have adequate insurance protection could be catastrophic for your business. Accidents, human errors and other unfortunate incidents can have a devastating effect on contractors who do no carry a Florida Contractor's Insurance.

What about independent sub-contractors? It is important to realize that every 1099 contractors in Florida need adequate liability coverage even if they work for a company who is already covered.  Indeed, enterprising lawyers are known to go layer by layer in search of the one source that will provide their clients the most compensation.  It may be that the company you contract for will be the one targeted, but there are circumstances where you too might the subject of such an inquiry.

Here are a the independent sub-contractors we provide coverage for:

  1. Electricians
  2. Plumbers
  3. Roofers
  4. Masons
  5. Mechanics
  6. Carpenters


[su_note]Questions about Commercial Insurance in Florida? Let Liz and her team of experts give you the answer that matters.[/su_note]

Florida Business Owners Package (BOP) Policy

Over the past few years, businesses have come under increasing pressure to trim their running expenses in order to stay afloat. Companies can look for savings in a variety of ways and unfortunately, sometimes may decide to take a gamble on the inherent foundation of their business investment: Florida BOP Insurance

Protection you cannot afford to be without. In an ideal world, businesses would never have to rely on insurance coverage for expenses, liabilities and claims caused by the actions of themselves or those of the people they employ or even service.  The sad truth is that accidents do happen and sometimes these accidents may be so severe that the entire premise of a business survival may in the balance. A Florida BOP acts as a protection in case of such accidents and may be the difference between a business that survive a particular challenge and one that doesn't because of the luck of insurance.

[su_note]Questions about Commercial Insurance in Florida? Let Liz and her team of experts give you the answer that matters.[/su_note]

11 Six Steps to a Better Florida Boat Insurance Policy

Why Having The Right Boat Insurance Can Give You Back Your Sanity

Everybody loves Florida. And if you own a boat, you quite possibly love the sunshine state even more. Boats are the gateway to endless hours of fun filled hours, spent rolling up and down our great state's shores. For some of us, owning a boat is one of the reasons we live in Florida, even though, as boat owners, we know all about the challenges we sometime have to face. The good news is that having the right Florida Boat Insurance policy can go a long way in ensuring our peace of mind.

If you own a boat, or are planning to acquire one, here are a few points worth bearing in mind:

  • Florida is frequently affected by hurricanes. For that reason, some underwriters might require that you move your boat away from the hurricane landing zone, even if that means moving it out of state.
  • The size and value of your boat may play a role as to whether a limit is set by some insurance companies
  • If you travel to Bahamas with your boat, you may be in luck as some companies include Bahamas in their coverage
  • Some companies will not ensure boats if they are 20 years old or more
  • Capsized catamarans that are not easily righted may not be covered
  • It is cheaper to ensure a sailboat then a speedboat
  • Some companies will require that be a resident of Florida as they want to ensure that you do not fall into the category of absentee owner.
  • Separate windstorm deductible are sometimes put in place

Find out how you can too can protect your boat

The right boat insurance can make a real difference. Make sure yours is not a time bomb

1) No, your homeowners insurance policy does not extend to your boat.

It's a question that is often asked by new boat owners:

Is my boat covered under my existing homeowner's policy?

It is not an unreasonable question because, in some cases, some homeowners policies will include coverage for very small boats, preferably without an engine. A small sailboat for example that you take to your local lake, or a really small boat under $10.000 might be covered, but that's about it. Anything over ten thousand dollars and you will need a separate policy.

Just like you need separate coverage for you car, so you will need separate coverage for your boat

2) Is a boat insurance policy the same as a car insurance policy?

Yes and no. Yes, because just like for a car, a Florida boat insurance covers things like:

  • Bodily injury inflicted on others
  • Property damage (docks, other boats)

You can also purchase coverage against:

  • Theft
  • Vandalism
  • Flood and fire
  • Personal property coverage for your fishing equipment
  • Uninsured boater insurance
  • Tow assistance.

No, because unlike car policies, it is possible to suspend, or lay up coverage for specific periods. For example, you might decide that you will be unlikely to use your boat during the month of December (particularly if it is stored in a dry and covered storage facility) and suspend your coverage during that period.  Just make sure you don't take your boat out on a December sunny day, only to run into situation during which you might discover that you coverage is suspended.

3) How do you keep the cost down?

Your shiny new boat cost you a fair chunk of your savings but the moment you take it out for a spin, it starts depreciating.

Boat insurance companies have the option of an "agreed value" (sticker price) as opposed to the "market value". This means that with an "agreed value" any coverage amount paid by the insurance company will not exceed that agreed value. This option is better than the market value, which takes into consideration the full value of depreciation. In other words, a boat bought today will have a different market value 5 years down the line.

4) How do you keep the cost down?

Your shiny new boat cost you a fair chunk of your savings but the moment you take it out for a spin, it starts depreciating.

Boat insurance companies have the option of an "agreed value" (sticker price) as opposed to the "market value". This means that with an "agreed value" any coverage amount paid by the insurance company will not exceed that agreed value. This option is better than the market value, which takes into consideration the full value of depreciation. In other words, a boat bought today will have a different market value 5 years down the line.

5) Is there a discount if I keep my boat out of the water

The short answer to this is yes but with the following caveat. If your tow your boat, then the auto policy will most likely cover damages in the event of an accident. Like backing up into someone else's car. Or property.

[su_note]Questions about Florida Car Insurance? Let Liz and her team of experts give you the answer that matters.[/su_note]
Based on the above assumption, it is crucial to make the following clarifications:

  1. Your auto policy only covers the limits contained theirin
  2. Your homeowners insurance will cover some of the damages incurred if you boat is parked on your property and may, or may not include theft or vandalism
  3. Your boat insurance does not extend to situations when your boat is being transported on land
    Now, here is the bad news.

6) Consider an umbrella policy

An addition to both your homeowners and car insurance policy, and umbrella policy will extend the limitations as discussed above and provide additional coverage, like personal injuries.

Navigational restrictions: Having a boat may give you the freedom to go anywhere, and if your boat is large enough that you can take it beyond the immediate shore line of Florida, be aware that most policies will contain a navigational warranty. In other words, your policy may not cover the areas you wish to navigate to.

Final Thoughts

Owning a boat can be a lot of fun but with it comes specific responsibilities. Shopping for the right boat insurance coverage can be overwhelming due to the complexity of this particular insurance field. Make sure you talk to a real expert. If you haven't bought the ship of your dreams yet, ask questions. Be specific. Your agent will be able to recommend a coverage policy that will meet your needs.

Be smart, listen to the advice of your agent. If you're new to boating, take a boating class and become a better, safer and well trained boater. A boating class may even qualify you for discount.

Above all, stay safe and enjoy.

11 Importance of Retail Store Insurance: How to Find the BEST Insurance Policy?

Florida Business Insurance

Do you own a retail store or shop of your own? Then you must have a retail store insurance for that too. If you do not have, then you need to work on it fast. There are so many risks that your retail store can go through. In order to protect your store from all those risks and dangers, you must have a proper insurance coverage for the store. It is always better to work on improving your business more and more. The insurance policy for a retail store acts like a risk management tool to cover the losses and damages caused. By paying relatively smaller amount as premium to the insurance company, you can protect your retail store against a significant financial loss and the possibility of the store going bankrupt.

Protect your store

Your store is your livelihood. Don't leave its protection to chance.

What Are The Major Risks Faced By Retail Store?

Owning a retail store is a great thing but with that comes bigger responsibilities too. Of course, your retail store is open to many customers and also there are some employees who work over there. Hence, there are also some risks associated with this. It can be man-made as well as natural too. Some of the common risks that a retail store may face are:

  • Physical damages by nature: This can happen anytime and anywhere due to many reasons. Specially In Florida where hurricanes historically affect the state every year.
  • Man-made damages: There can be a huge risk of fire damage in your retail store which can cause significant destruction. Of course vandalism and theft are a huge problems for retail stores. Theft cost retailers $32 billion a year.
  • Bodily injuries: Accidents can happen anywhere and anytime, be it customer or employee. If any of your customers get injured while visiting the store, the business may have to pay for the medical treatment.
  • Sleep and Fall claims file against retailers are on the increase. Not only it can very costly to settle with the client but the cost of hiring a competent attorney is about $75,000.

In order to cover all these risks, there are some insurance policies especially for retail store. These policies can provide coverage for all the losses and damages caused by the risks mentioned above. Simply put a $50,000 or $100,000 loss will put many retail stores out of business. You cant risk your business and the lively hood of your family by choosing not to purchase this protection.

How Costly Can These Risks Be For Your Business?

One of the most important steps to avoid these losses is to have a proper retail store insurance policy that will cover all the probable damages that can be caused to your store. Simply put a $50,000 or $100,000 loss will put many retail stores out of business. You can't risk your business and the lively hood of your family by choosing not to purchase this protection.

Steps To Lower Your Insurance Premium

The insurance premium for retail stores does not have to be expensive. When you talk to an commercial insurance agent at L and C insurance provider we go through steps to help and lower your premium. Here are some of the essential steps for you to take in order to save you money

  1. Remove unneeded or overlapping coverage.
    Make sure the coverage is up to date. There are often some unneeded coverages included in the policy which are not needed but still it adds to the premium.  All retail stores are not the same, coverage should be tailor to your specific needs.
  2. Research to find the best deal.
    There are many insurance companies in the market that provides the best insurance policy at a much lower rate than others. Of course, you have to do a bit of researches before you end up with them.  Let us at L and C insurance help on that research by obtaining 14 Different store insurance quotes.  We only work with Rated A+ insurance companies
  3. Ask for a list of the discounts.
    Often when you talk with the agent, you can ask for discounts. These discounts can help you to reduce your insurance premium. But are you reviewing the quote provided to make sure the discounts are listed. There are 10 major discounts available to retail stores. Make sure that all of the ones applicable to your store are included.
  4. Pay the entire premium upfront.
    Generally the premiums for the insurance are paid monthly. But if you pay your entire premium upfront, then you can get savings on average of 20%. This can be a great benefit for you to lower your insurance premium for the retail store.

Insurance is one of the things people think they can do without... Until they need it. Don't make the mistake of underestimating the cost of poor or even worse, no insurance coverage. At LNC Insurance Providers, we specialize in providing tailor made services to customers throughout Florida.

We pride ourselves in excellence and always go the extra step. Whether you need a personal insurance or protection for your place of business, we want to help.


Thus, it is evident that having a retail store insurance is very much important for your business. Weather, crime and accidents cannot be predicted and thus damages can happen anytime. You can at least be at complete peace of mind if you know that your retail store is completely insured. So, make sure to take a quick action and let the agents at L and C insurance help you save time and money on your store insurance.

11 Why do Tampa Drivers Pay the Highest Auto Insurance Rates

In Florida, Tampa Leads the Way

The overal trend for Florida car insurance has been going upwards in recent years as Florida drivers are getting themselves into more and more accidents. No-where has this trend been so evident than in Tampa.

In 2016, car insurance premiums rose by 14 percent throughout the sunshine state.

Car insurance rates are dependent on a number of factors, including location. Drivers living in cities are paying more for their car insurance policies than those living in rural areas. According to statistical data, traffic density in urban population is responsible for more accidents than in other areas. And it's not just the sheer volume that causes more accidents: speed is another consideration as drivers tend to drive faster on highways. Traffic, speed and the increasing number of cars on any given road system is a sure formula for an increase in car related accidents, collisions etc.

Why are Tampa car insurance premiums on the rise?

While it is impossible to give a definitive answer to this question, here are a few factors to consider:

  • Population growth
    More and more people live in Florida.  In Tampa alone, the population grew to 3 million residents in 2016 adding over 60000 residents through migration and natural increases. More people means more drivers and this increase is one of the reasons why the cost of car insurance in Tampa is currently the highest in the state.
  • The Role of PIP
    Personal injury protection (PIP) to the tune of $10,000 has been mandatory in the state of Florida. Introduced to cover minor accidents claims (regardless of who is at fault) PIP is seen as one the reasons why insurance premiums have gone up in recent years.
  • Agressive drivers
  • Older drivers
  • Hit and run incidents
  • Uninsured drivers

Whether you live in Tampa, or anywhere else in Florida, you can avail yourself of the most affordable car insurance, without having to compromise on quality, by contacting  L & C Insurance Providers. Our mission is to always be one step ahead of our competitors in terms of knowledge and experience.

We specialize in Florida car insurance and stand ready to help you.

L & C Insurance Providers in Florida shops all the major carriers to find the best policy and the best rate.  Easy, Low-Cost and Worry Free.

That's the L & C Insurance Providers Insurance promise.

Make sure you're protected

The value of professionaly written auto insurance is often realized after an accident has occured. Don't leave it until it's too late:

Organized Crime

A worrying in trend in Florida (and other states as well) is the increasing number of staged automobile accidents. This particular challenge is so unique that we've decided to list as a separate paragraph in this article.

A staged automobile accident is one in which organized criminal groups maneuver unsuspecting drivers into crashes so that they might make insurance claims. These crashes are literraly "manufactured" and the perpetrators make money by submitting claims which then have a direct effect in premium costs.

Staged accidents can take many forms, four of which are very common:

  1. A vehicle overtakes you, drives into your lane and jams on the breaks causing a rear-end collusion. Some criminals take this scenario to the next level by simulating neck or back injuries caused by these collisions. Large injury and collision claims are then submitted against your policy.
  2. As you begin to merge into traffic, you are encouraged by a "benevolent" driver who appears to slow down and then waves for you to move forward. As you drive into the space you think has just been vacated, the said driver then accelerates in crashes into you. This scenario can also take place in parking lots.
  3. You are driving in the inside lane, and as you turn left, inadvertently drift closer to the lane on your right.  That is all the encouragement a dishonest driver might need to ram right into you.
  4. You are a the scene of an accident and are approached by an individual who then requires that you take him or her to a medical faculty for treatment, or to a shady lawyer for assistance. 

A small bent becomes takes a life of its own: These staged accidents often times result in limited damages but submitted claims indicate otherwise and describe situations which do not reflect the reality.

Texting While Driving

Our cell phones have changed our lives. We are living in an era where the average person could not possibly envisage a life without one of these devices. Technological advancements have been such that cell phones have become part and parcel of our daily lives.  They can also cause serious accidents that often result in very serious injuries and even fatalities. 

If you text while you drive, not only are you endangering your own life but that of your passengers and innocent by-standers.

Accidents caused by drivers who text while driving cause insurance premiums to rise as well.


Cost Comparison: Florida Auto Insurance
(You can sort both the cities and costs columns in the order of your choice)

Cities Cost
Jacksonville $575
Miami $675
Tampa $719
St. Petersburg $703
Orlando $402
Hialeah $709
Tallahassee $389
Fort Lauderdale $601
Port St. Lucie $574
Pembroke Pines $589
Cape Coral $398
Hollywood $599
Gainesville $323
Miramar $563
Coral Springs $585
Clearwater $489
Miami Gardens $609
Palm Bay $369
West Palm Beach $405
Pompano Beach $458
Lakeland $409
Davie town $485
Miami Beach $602
Deltona $501
Plantation $558
Sunrise $575
Boca Raton $502
Largo $425
Melbourne $405
Palm Coast $385
Deerfield Beach $485
Boynton Beach $501
Lauderhill $552
Weston $542

How can I lover my Florida auto insurance premium?

The first step you can take right now to get you on your way to a more affordable insurance policy is to call us:


An auto insurance policy in Florida is determined by where you live, and what you want your policy to cover. A clean driver's license and good driving history will usually be in your favor when looking for better deals. Some cars are more expensive to ensure than others. For example, sport cars can mean higher premiums as they are considered to be in the higher risk bracket.

Raise your deductible to keep your monthly premium manageable, but do remember that these deductibles are due upon repair.  The higher they are, the more money you will have to pay to honor your part of the deal.

Obtaining multiple coverage through the same insurance agency, for example Florida Homeowners Insurance and car insurance might also lower your monthly premiums.

11 Restaurant Insurance for Florida Businesses

Florida Restaurant Business Insurance

Owning and operating a dining establishment in Florida, usually requires plenty of work. Many elements need to come together in order for a restaurant to succeed. If you think about it, a stocked freezer and pantry and ensuring that there are sufficient tables in the dining area are only the basic principles of operating this sort of business. Your foremost concern as a restaurateur should be the proper protection of your business. Regardless of whether you're just about to venture into the food and beverage industry or have already been established, restaurant insurance Florida is something you will need.

What is restaurant insurance Florida?

Generally, restaurant insurance is a kind of business insurance catering particularly to the ones in the food and beverage industry. Regardless of the size of your company, there are always a number of possible risks. This is true whether you operate a small diner or coffee shop, or a Michelin-starred bistro. This coverage is coverage against a number of problems, which can include but aren't restricted to busted equipment, accidents, and even liability lawsuits. Generally, this type of cover isn't your typical general business insurance. It has many aspects that tailor to the demands of a restaurant. This means this type of restaurant business insurance is available in different types. The following are some of the insurance coverage policies under Restaurant Insurance Florida.

Protect your restaurant

You'be worked too hard to lose it all because you don't have insurance for your restaurant


If you serve beverages or food your insurance needs are different than standard merchant businesses. Here are some of the businesses this includes:

  • Restaurants
  • Hotels
  • Motels
  • Cafes
  • Bars
  • Inns
  • Dance clubs and night clubs
  • Resorts
  • Sandwich shops
  • Restaurant/gas station combos
  • Casinos
  • Portable or mobile lunch services
  • Catering companies


if you want to properly insure your food service business, you'll want to consider these insurance options:

  • General liability insurance
  • Commercial property coverage
  • Workman compensation
  • Product liability - food or beverage items can sometimes cause illness and you will be liable.
  • Building contents - this can include furnishings and customer possessions


Your insurance professional may recommend the following options for your food service policy:

  • Liquor liability coverage - do you plan to serve alcoholic beverages to customers? If someone gets into a traffic accident after drinking alcohol at your establishment, you might be sued for damages. Liquor liability covers problems like these.
  • Business interruption coverage - Reimburses lost income due to downtime associated with a damage or loss claim.
  • Employee health insurance coverage
  • Replacement cost insurance - if your business is destroyed by a catastrophe, your insurance may pay you the fair market value of the place. However, this can be a huge problem because it may cost much more than that to rebuild. This is why replacement cost is the best food service insurance option.
  • Earthquake insurance
  • Fire liability insurance - what will you do if a fire starts in the kitchen and spreads to other buildings? Fire liability protects you from these legal problems.
  • Fine art coverage
  • Equipment breakdown insurance
  • Flood coverage
  • Sewer backup insurance
  • Food spoilage
  • Sign insurance
  • Cyber insurance - protects you from problems associated with stolen data.

General Liability

This is the most common of the many different covers encompassing this type of insurance coverage. It's a policy that protects you from common problems occurring within your line of work. This could consist of situations such as someone slipping and falling because of wet floors, food poisoning issues, as well as other claims which may come from different sources. This policy will be handy considering the fact that customers sue for almost anything nowadays. Plan options vary depending on provider, but keep in mind that this should be one of the more flexible policies:

Commercial property coverage

Purchasing your restaurant space is a big investment. You can save money on rent. You will also be in full control of your work area and determine any changes you require. Getting cover policy for your place of business safeguards you from unexpected events like a fire or natural calamities. You won't have to worry about this if you're only leasing a unit, or if you do not own the structure where your restaurant is. The owners are going to have acquired this insurance already.

Equipment Breakdown coverage

This form of restaurant insurance is vital as you use lots of pricey equipment in your restaurant. Blast freezers, state-of-the-art ovens, and other cooking equipment cost you a lot of money. The manufacturer's warranty you get is limited, therefore it is not enough. You should safeguard these investments by obtaining insurance. Your cover provider will reimburse you if there is theft or damage due to accident or natural disaster. This policy covers not only your appliances but other fittings inside your establishment that the building insurance will not cover.

Liquor Liability

If your business sells, serves, or allows any alcoholic beverages to be consumed at your establishment, Liquor Liability protects you should your clients or patrons sue your business for damages related to their intoxication

Workman Compensation

The law mandates you to provide insurance for your employees. This is particularly essential for restaurant owners because your people deal with fire and gas each day. Your workers are your most vital investment, and you must safeguard their lives and their health. Your insurance company might cover any expenses if your employees suffer from an accident in your establishment.

Food spoilage

Cleanliness is a must for every restaurant kitchen, but you can't say for sure when something unexpected could get in your food. Insurance providers can take care of damages and legal costs in the unfortunate event that a customer complains about food contamination. It's best to be ready for all kinds of events than to be sorry and shell out a significant amount of money later on.

Vehicle Liability

Generally, there are many restaurants that have restaurant cars that make deliveries. if you have a vehicle for your restaurant, for transport or delivery, make sure that it is insured.

Business Interruption Coverage

This type of insurance coverage helps you when there is an interruption in a major operation of the business or company. It may be a loss of income as a result of disasters or damages. Such case can affect your cash flow and profit ultimately. Business interruption coverage protects you from these situations and gives peace of mind that operations and income is in a good continuous flow.

Getting the Best Restaurant and Bar Insurance In Florida

Usually, without coverage, it is too risky in running a restaurant. This is because it involves various types of risks. The risks involved are not only intensive but also numerous. If these short-term or unexpected risks are not handled properly, they will have a deteriorating effect on the business in the long run. Not having any insurance coverage as it might prove fatal. However, in order to get a restaurant insurance, you have to find a competent insurance company for you to choose the insurance policy your business needs.

If you want to make sure your business is fully protected, talk to our commercial insurance agents at L and C Insurance Providers. We will evaluate your risks factors and provide you with and policy that fits your budget and needs. We do this by comparing the different policy options with our 25 + partnered insurance companies.