Category Archives: Florida

11 Car Insurance in Miami

Auto Insurance No Comments

Car Insurance in Miami

All consumers are required to carry auto insurance in Miami, as well as in the state of Florida. L and C Insurance sells a variety of insurance products through 16 Miami auto insurance companies.

Consumers in the market need to know that the bare minimum car insurance requirement for Florida drivers is:

  • $10,000 bodily injury per person per accident
  • $20,000 bodily injury for all persons per accident
  • $10,000 property damage liability
  • $10,000 personal injury protection

Drivers in Miami, FL are required by law to have proof of insurance in the car and present it upon request to law enforcement. Failure to provide that proof can result in fines up to $500 and a license suspension of up to three years. If a driver is involved in an accident without insurance and found to be at fault, they can be held liable for all costs associated with the other driver’s bodily and property injuries and driving privileges can be suspended until those damages are paid.

L and C Insurance providers enjoys a unique position in the Miami marketplace, providing customers with some of Florida’s most affordable and personalized agent-driven service. L and C insurance providers sells a variety of insurance products through 16 Miami auto insurance companies

Miami Automobile Insurance Discounts and Benefits

L and C Insurance providers already offers some of the lowest insurance rates available. You could save even more with the many discounts available, too!

About Miami, Florida

Florida is a driver’s haven…with its year-round sunny skies (interrupted by the occasional summer squall) and through amazing places to see like ocean-side drives and the wetlands of Everglades National Park, from the winding roads of the panhandle to the span of the overseas highway and 7-Mile Bridge to the Keys.

The city of Miami is the heart of Florida’s diverse population, from an amazing nightlife to beautiful architecture, it is the most popular tourist destination not called Orlando. Miami is the fourth largest urban area in the United States and an international center for finance, commerce, culture, entertainment, media and international trade.

By day, the city beckons visitors to enjoy its beaches and world renowned cuisine. Once the sun goes down, the South Beach area becomes a non-stop party with loud and colorful night spots and restaurants that appeal to a wide array of tourists and locals alike. Miami is especially well-known for its Cuban cuisine, owing to the large population of Cuban emigres. Miami is one of the 10 cities with a team in each of the major leagues, including the Dolphins (NFL), Marlins (MLB), Heat (NBA and Panthers (NHL). The city also boasts the nationally known University of Miami as well as a number of other universities, colleges and other institutes of higher learning.

What is the average cost of car insurance in Miami?

The average cost of car insurance in Miami is $2,428 per year per year according to thezebra.com.2 That’s 56.5% higher than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.

Some people get the bare minimum coverage, while others prefer the comfort and security of more protection. L and C Insurance providers customizes your Miami auto insurance, so you only pay for what you need.

11 Business Property Insurance That Protects Against Exposures Today and Tomorrow

Commercial Insurance No Comments

Business Property Insurance That Protects Against Exposures Today and Tomorrow

Having the right commercial property coverage could mean the difference between a minor disruption to operations and a major financial loss. As one of the largest commercial property writers in Florida you can trust L and C Insurance to have a deep understanding of your everyday challenges, as well as the expertise, resources and strength to help keep your operations running smoothly and your business resilient.

We offer commercial property protection for a wide variety of industries and businesses ranging from small to large to highly complex. We understand the evolving risks our customers face and offer solutions to address them. Our property insurance policies can be tailored to meet customers’ coverage needs by providing:

  • Coverage confidence
  • Built-in flexibility
  • Services that matter
  • National scale with local presence

What Is Business Property Insurance?

Business property insurance is coverage that can protect your company’s physical assets from unexpected events, including fires, windstorms, theft and vandalism. Physical assets covered by commercial property coverage could include the business property you own or rent, office equipment, furniture, fixtures, inventory and other items you count on to support your daily operations.

Through built-in loss prevention services, business property insurance can also deliver a competitive advantage by helping you identify and manage property-related risks specific to your company, allowing you to remain focused on your business. L and C insurance providers has expertise across many industries, helping companies identify and reduce property risks.

When an unexpected loss causes disruption or even temporarily shuts down your business, your ability to recover quickly is critical. L and C Insurance providers has access to commercial property insurance markets that can provide the support and financial assistance needed to get your business back up and running.

Who Is Commercial Property Insurance Coverage Right For?

Commercial property insurance is for all businesses, especially those that have buildings, critical equipment and assets, or access to customers and suppliers.

Read on to understand how our commercial property insurance can help your business stay resilient in times of loss and catastrophic events in our ever-changing world.

  • Small Business
  • Midsized Business
  • Large Business

What Is Small Business Commercial Property Insurance?

L and C Insurance providers small business commercial property insurance can help protect the business property you own, lease or rent, including assets like your buildings, equipment, furniture, fixtures and inventory. It can also help cover the costs to repair or replace stolen, damaged or destroyed property, including property and equipment that isn’t yours but is in the care or custody of your small business.

Who Is Small Business  Commercial Property Insurance Right For?

  • Commercial real estate
  • Contractors
  • Financial services
  • Garages
  • Healthcare
  • Manufacturers
  • Personal care services
  • Pet care services
  • Printers and publishers
  • Professional services
  • Religious and cultural organizations
  • Restaurant and food service
  • Retail
  • Service businesses
  • Technology services
  • Wholesalers and distributors

 

11 5 Tips to Protect Your Possessions with Valuable Items Insurance Coverage

Florida No Comments

5 Tips to Protect Your Possessions with Valuable Items Insurance Coverage

You may think that a homeowners insurance policy provides adequate coverage for all your valuables, but policies may provide limited or no coverage for certain items — including generally expensive items — that are damaged or stolen.

For example, many homeowners policies generally have a $1,000 or $1,500 coverage amount for jewelry if the loss is due to theft. Such limits are in place to help keep homeowners policies affordable. However, if jewelry valued at $2,000 is stolen from your home and you have a $1,000 policy limit, you can only receive $1,000 from your insurer to replace the missing items.

That is when an insurance endorsement (sometimes called a rider) can provide increased coverage for your possessions. For an additional premium, this coverage can help protect you from the loss of high-end valuables such as jewelry, furs, antiques, artwork and collectibles.

Here are five tips that may help you decide whether you need valuable items coverage.

1. Read Your Insurance Policy

Your insurance policy is a contract between you and your carrier. This document includes the limits of how much you will be compensated when certain valuable items are damaged or stolen. Note that certain items may not be covered, so be sure to carefully review your policy to determine whether you have insurance that meets your needs. If you have questions, contact your insurance agent.

2. Have Your Valuables Appraised

You may have possessions that are worth more than you think. To help you decide whether you need additional coverage, it may be helpful to have them appraised. An appraisal can help you determine if your homeowners insurance policy covers the full value of your property, as some items may not be covered.

The value of some items, such as collectibles or jewelry, may be difficult to determine without professional assistance. It may be necessary to have your valuables periodically. If they increase in value, you may need additional coverage.

3. Create a Home Inventory

You may not be able to make a decision about whether to buy additional coverage until you know exactly what you own. You may want to take stock of your possessions by creating an inventory. Do not forget to check your garage, basement or attic for stored valuables, such as antiques and coin collections.

Be sure to list all items of value and include copies of receipts or appraisals when possible. This may help you if you ever need to file a claim with your insurance carrier.

4. Check Your Neighborhood’s Crime Rate

If you live in a community where the crime rate is high, you may have a greater need for additional coverage to protect your valuables. Police departments may track crime statistics and share this information with the public. You can consider asking your police department about home burglary trends in your neighborhood. Also consider installing a security alarm system. An alarm system may qualify you for a homeowners insurance discount.

5. Take Stock of Your Electronic Equipment

In our increasingly high-tech world, people use their electronic equipment to perform their jobs and maintain social connections. In recent years, many new gadgets and devices have been developed that may enhance our lives. If you keep high-end computers and other electronics in your home, you may want to make sure your homeowners policy will cover their loss.

Safeguard Your Personal Valuables

Your need to insure valuable items is something you may want to discuss with your agent whenever you buy a homeowners policy. If you purchase additional coverage for high-cost items, it is a good idea to understand its limits and exclusions.

Protect your home the way it protects you by choosing the property insurance coverage that meets your needs.

11 Vacation and Second Home Insurance: What You Need to Know

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How to Insure Your Second Home

Many people consider buying a second home for several reasons, including:

  • Vacation home
  • Rental property
  • Tax benefits
  • Long-term profits
  • Flexibility in where you live

No matter what reason you choose to buy a second home, it’s important to protect your large investments with insurance. Just like your primary home, you should obtain homeowners insurance with coverage appropriate to the location of your second dwelling. However, it is essential to understand that there are special considerations for your second home that you may not be aware of.

Check Your Primary Homeowners Insurance Policy

First, check your current homeowners insurance policy to see if it will cover a second home. Some policies may extend coverage, which could make insuring your second place a breeze. However, many insurance companies only cover one home because every home is unique and comes with its own coverage needs. For instance, your vacation home may be in a high-risk area for floods or earthquakes.

Another example could be that your new property is in an area that is prone to vandalism or theft. No matter the reason, it’s important to consult with a homeowners insurance company in your area to assess the needs of your second home.

Insurance Considerations for Your Second Home

Buying an insurance policy for your second home is a lot like buying a policy for your primary home. However, there are some risk factors associated with second homes that may change your insurance rate. Before purchasing a new insurance policy, you should determine the coverage needs for your second home. Many factors will play a significant role in the home’s coverage, including:

  • How often the home is lived in
  • The location of the second home
  • The features included with the second home
  • Any natural hazards near the second home (such as a 100-year floodplain)

How Often the Home Is Occupied

Second homes may not be used or occupied as often as primary homes, especially if it’s a vacation home. The home vacancy is considered a risk for insurance companies, which can increase your rates. There are a few reasons that home vacancy is considered a higher risk:

  • The home could be more prone to theft and vandalism
  • Second homes could have more hazards that go unnoticed
  • Accidents could occur that you would be liable for even if you weren’t there

For instance, if someone uses your pool and has an accident, you could be held liable for their medical bills and legal expenses, even though you weren’t at your home.

Location

Homeowners insurance can vary by location. Insurance companies look at the region you live in, the type of neighborhood, and even the street you live on to determine how much you should pay in premiums. Factors that increase home insurance rates include:

  • Whether your primary insurance company provides coverage in that area
  • The local crime rate
  • The home value
  • The replacement costs

While it’s always a good idea to check with your primary insurance company first, it may not provide coverage outside the region where your first home is. Having to go with a different company may eliminate the possibility of bundling policies or enjoying other discounts.

Many people use their second homes as vacation homes, which are often located in unique places like mountains or beaches. These environments may need specific coverage to protect against natural disasters like floods, hurricanes, and earthquakes.

Home Amenities

Some amenities can increase your insurance rates due to liability risks. If you are looking to outfit your second home with luxuries, there are a few things to consider:

  • Pools and hot tubs: These amenities can increase the replacement value of your home as well as increase your liability risk. The increased risk of accidents, like drowning, for example, can increase your premium.
  • Finished basements: Damage to a finished basement from flooding or burst pipes is more likely to result in a claim than an unfinished basement. These claims could raise your insurance premiums down the line.
  • Expensive items: Homeowners insurance can cover luxury items inside the home but only up to a certain amount. You may need to obtain additional insurance if you would like your possessions protected.
  • Wood-burning stove or fireplace: This amenity is more at risk of fires and smoke damage than gas stoves and fireplaces.

Natural Hazard Risk

Depending on where your second home is located, you may be at higher risk for sustaining damage due to a natural disaster. Typically, major disasters like earthquakes and floods are not covered under a standard homeowners policy, and you would have to purchase additional coverage to protect your second home. Depending on the area, you may need to inquire about add-ons to protect against:

  • Flood: This is usually indicated if your property sits within a 100-year flood zone and if it is near a major body of water like a lake or the ocean.
  • Hurricane: Hurricane paths can be unpredictable, but generally, your state or local government will either strongly encourage or require coverage for hurricanes if you are in a high-risk area.
  • Ground Movement: Most people are familiar with earthquakes, but this type of coverage also protects against damage due to sinkholes. Both types of disasters can be devastating to homeowners, and neither is typically included in standard policies. You’ll want to investigate the area where your second home is located to learn about any fault lines or risk factors that may indicate sinkholes to determine if this coverage is necessary.
  • Hail: This is less a regional risk and has more to do with the age and condition of your roof. Hail damage can occur virtually anywhere, and roofs more than 10 years old may be more expensive to insure—or simply won’t be included in a basic policy.

Ultimately, the coverage add-ons you need will depend heavily on where you opt to purchase a second home, and the research you do into local risk factors and weather trends.

Purchase a Second Home Insurance Policy

Since second homes are typically deemed riskier than primary homes, the home insurance premium tends to be more expensive. Consider bundling your home insurance policy with another kind of insurance coverage to keep premiums as low as possible. Some companies will discount your insurance premiums if you choose to bundle. The most common bundling scenario is home and auto insurance; however, depending on your provider, you may be able to bundle more.

Another option is to upgrade the security at the second home. This upgrade can help lower the risk of loss from burglary and accidents. Additionally, some insurance companies may give discounts to customers who install smart home security features since home security typically falls under protective device discounts.

Protect Your Second Home

To further protect your second home, there are additional steps you can take, including:

  • Obtaining additional coverage, including contents coverage which further protects your possessions in your home
  • Asking friends and neighbors to keep an eye on the house
  • Hiring a seasonal caretaker
  • Putting lamps on timers to turn on and off, creating the illusion that someone is home
  • Installing risk-prevention systems, like water leak sensors
  • Buying a home that is part of a homeowner’s association

A second home may be part of your financial goals. However, there is a lot to consider when it comes to protecting your investment. By understanding the insurance considerations and knowing how much coverage is needed, you can make more informed decisions on your insurance policy for your second home.

11 6 Surprising Factors That Can Impact Your Home Insurance Rate

Florida Home Insurance No Comments

Shopping for a new home is an exciting time for many Floridians, but few know that the home they choose could make or break their home insurance rates.

Whether you’re searching for an already built home or planning to construct one from the ground up, there are some important factors to consider before you purchase your dream home.

How Old Is It?

An older home may be charming and filled with snippets of Florida’s history, but it can also cost more to insure. This is because older homes tend to develop problems more often than newer ones. If you choose to purchase an older home, you can help reduce your home insurance rate by making renovations designed to prevent common problems associated with electrical wiring, plumbing, roofing, and foundation. Before starting any renovations, consult with your home insurer to make certain.


Additionally, many Florida home insurance companies offer discounts for purchasing a new home because new structures are generally built with the latest safety codes. In 2001, the state implemented the Florida Building Code, which was designed to protect lives, help reduce property losses in a major storm, and provide a guide for home insurance companies to determine rates.

Improvements under the Florida Building Code include:


• Better structural design requirements to withstand greater wind pressures in South Florida and most coastal areas
• Wind-borne debris protection required on windows in all coastal areas and South Florida
• Improved roof covering systems requirements
• Approval system that ensures that products comply with wind resistance and impact resistance requirements
• Improved window performance labeling requirements

A 2005 study conducted by the University of Florida revealed that homes built in 2002 or later sustained less damage from hurricanes than homes built between 1994 and 2001 under the Standard Building Code. Homes constructed prior to 1994 fared even worse.

The study found that shingle-roofed homes built under the Florida Building code experienced less shingle damage than homes built under the 1994 code. This is critical in hurricanes because loss of too many shingles can compromise the roof and allow rain to enter the home.

The study also discovered that none of the homes built after the requirement for reinforced garage doors sustained significant garage door damage. Meanwhile, garage doors on most homes built prior to 1994 were blown off their tracks, which allowed wind to enter the house and undermine the integrity of the roof from inside.

What Building Materials Were Used?


The materials used to build your home can also influence your home insurance rate. For example, it’s more expensive to insure a wood frame home than one constructed out of brick. Homes made out of wood materials are more prone to fire and wind damage, making them a greater risk than brick homes that are built to withstand these types of hazards.

Hip Roof vs. Gable Roof: What’s the Difference?

The roof is your home’s first line of defense against wind, hail, wildfire, and other hazards, and it is considered the most important part of a house to home insurers. Once a home’s roof is breached, it increases the risk of more serious damage claims. This is why the shape of a home’s roof plays an important role in determining homeowner’s insurance rates in Florida.

Let’s take a look at the most common types of roof shapes – hip and gable

Where Is the Home Located?

Where is the Home Located?

Location significantly impacts homeowner’s insurance rates. Florida’s relatively expensive homeowner’s insurance rates can be attributed to the moderate to high risk of hurricanes, floods, and sinkholes throughout the state, and coastal homes may pay higher premiums to compensate for the elevated risk. Consider distance to the shore as you factor in possible insurance costs.

On the contrary,if your home is located within five miles of a fire station or 1,000 feet of a fire hydrant, your home insurance premium may be lower. Take a moment to determine the distance between your house and these features and provide them to your insurance agent.

What Features Are Included?

Certain features of your home can increase your insurance rates, while others are eligible for discounts.*

Features That May Increase Insurance Rates

  • Inground swimming pool
  • Hot tub
  • Custom decorative features
  • Extensive landscaping
  • Fireplace or wood-burning stove
  • Deck

Features That May Decrease Insurance Rates

Features That May Decrease Insurance Rates

  • Alarm system (burglar and/or fire)
  • Gated entrance
  • Wind mitigation

*Not all homeowners insurance companies offer the same discounts or use the same criteria to evaluate whether or not a home is eligible for discounts.

11 Naples Florida Car Insurance

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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.

GET A QUOTE

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.












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    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.

    GET A QUOTE

    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.

    GET A QUOTE

    CALL: 1 (239) 431-3515

    11 Business Insurance Quotes Florida

    Commercial Insurance No Comments

    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


      Get a quote

      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


      Get a quote

      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


      Get a quote

      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

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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


        Get a quote

        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


        Get a quote

        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 https://www.myfloridacfo.com/division/wc/employer/coverage.htm

        11 Spring Maintenance Tips to Protect Your Home

        Florida Homeowner's Insurance No Comments

        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


        Get a quote

        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

        Commercial Insurance No Comments

        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.


        Get a quote

        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]