Blog

Preparing for Hurricane Season in Florida

Take time to prepare for hurricane season, as it's always best to be prepared early to try and avoid any un-necessary damage from occurring. Evacuation Plans -  Learn what you community offers for warning, shelter and evacuation.  Then, have a family plan in case of evacuation.  Make sure to have meeting places and everyone knows all the contact & emergency phone numbers. Emergency Kits - When a storm hits, and you are stuck inside or forced to evacuate, it’s best to ...

Business Owner Policy Basics in Florida

The agents at Sharp Insurance Agency can work with your business to evaluate your business insurance needs and find the right coverages for your specific business needs. Business Owner Policy, also known as BOP, would include different coverages: Property coverage - this would protect your building and the contents in your structure. Business Interruption - this would protect you in case of loss of income due to a disaster.  This would also cover operating expenses in a new location. Liability Protection -  this ...

General Liability Options for businesses in Florida

Business insurance in Florida covers your business from unexpected losses.  As a cushion against lawsuits, you also need a comprehensive general liability insurance policy.   Here are a few reasons to have this type of business insurance coverage.  Protection - have a general liability insurance policy in place early in your business procedures lets you focus on growing your business and the needs of your employees.  Having this peace of mind that your business is securely insured, let's you focus on ...

Reasons to have Workers Compensation in Florida

Some carriers have suggested that some businesses are skipping their work comp payments to cut business costs.  Here are a few reasons that it is not wise to do this:  Lawsuit or claim -  if employee becomes injured and you don’t have the proper workers compensation policy in place, you may face a lawsuit and unpaid claims.  You would have to cover the costs of the injury and legal fees. Loss of employees - some employees may chose not to ...

Important Questions for Florida business owners to ask themselves

You spend a lot of time invested in your business, and the agents at Sharp Insurance Agency can help ensure that the time & effort spent will not be lost due to a claim.  Here are a list of a few questions to consider when choosing your insurance agency and carrier. What types of business insurance do you need?  Our agents can help you evaluate your risks that your Florida business may encounter.  We can help to see if bundling policies or ...

Top Liability Claims for Small Businesses in Florida

Many small businesses in Florida have claims due to injury, liability, or other damage.  Many carriers have found out, though, that some of the costliest claims aren’t always the most common. Here are some of those claims and some ways to prevent them:  Vehicle Accidents -  always best to screen your new employees driving records to anything that may be alarming. Product Liability Cyber Liability Customer injury or being hit by something on property Slips & falls – make sure to keep ...

Boat Insurance in Florida - Needed all year?

One great advantage to Florida is boating all year.  But some people only take their boats out during the summer and are stored during the winter months. So, is it necessary to keep boat insurance all year? Yes.  Your boat isn't always completely safe when stored.  Vandalism or bad weather could damage your boat and you may not even know it's happened.  Having boat insurance year-round will cover you in an accident.  Liability insurance covers if someone is hurt or ...

Florida Flood Facts you need to know

Did you know flooding is one of the most common types of insurance loss? In Florida, flooding can occur in many ways including heavy rainfall and hurricane season.  And flooding losses can be very costly for any homeowner in Florida, so having the right flood insurance coverage from an agent you can trust is a must. Do you need flood insurance in low-risk areas? Yes.  That is a common misconception that if you’re in a low-risk area that you don’t need ...

Condo Insurance in Florida

After purchasing your Florida condo, did you review the insurance documents about your coverage?  Most insurance policies from the condo association only cover the building and the common areas, so what about your damage to your unit or your property? Usually it's best to have 2 Florida condo insurance policies.  The first is provided by the association and covers the structure of the building including the roof, walls, lobbies, etc.  It's best to keep a copy of this policy handy. The 2nd is ...

Tips for Finding Home Insurance in Florida

Finding the right homeowners insurance can make the difference in protecting your family and family's assets.  You need to have piece of mind that your Florida home & possessions are covered with the right protection. Here are some tips when searching for home insurance in Florida. Ask for referrals - often a family member or trusted friend can help when choosing an insurance company for your home insurance.  This is a good point to start your search and then have an expert like ...

Things You Can Do to Lower Your Car Insurance Rates in Florida

All of us have cars and when purchasing a car or reviewing your car insurance rates, many want to keep their rates as low as possible in Florida.  After a purchase or during renewal time, there are a few things you can look at that may help to keep your premiums lower.   Most importantly drive safely can help with keeping your premiums low and the submitting of claims. Ask about additional discounts in Florida.  Many carriers offer other discounts that you may ...

Important questions to ask your Florida insurance agent

1.  Can a personal umbrella policy help my coverage?  Some studies show that most families are underinsured.  A personal umbrella policy can help in filling what may be gaps in coverage for what might not be covered under traditional auto & home policies.    2.  Is credit used in my rates?  How your agent explain how credit make affect your policies and premiums with different insurance carriers.   3.  How will claims affect your policy?  Take a little time to ...