The Right Life Insurance Policy Can Protect The Future Of Your Loved Ones

We know that finding the best life insurance program can get confusing—and even a bit overwhelming at times. Let us help you navigate your way through one of the most crucial policy decisions you will ever have to make in your lifetime.

Floridians: Are You Fully Protected During Hurricane Season?

Hurricane season can be surprisingly underactive or majorly catastrophic. The best way to prepare for it is to make sure that you’ve got your affairs in order with the help of Massey, Clark, Fischer.

Our Personal Insurance Team Can Help You Find The Right Coverage

At Massey, Clark, Fisher, we tailor insurance solutions to meet your personal needs. We make sure that you have the coverage you need to protect you, your family and your property. And we do that at no cost to you.

Small Business Owners—What Insurance Might You Need?

Insurance may seem daunting and expensive for small business owners, but it doesn't have to be! At Massey, Clark, Fischer, we have 65+ years of experience to help you find the right insurance for your specific needs.

How To Reduce Your 2023 Auto Insurance Costs

 Is your auto insurance policy leaving a dent in your wallet? Don't worry! MCF is here with helpful tips to help you save money

We Have Your Best Interest At Heart

As a certified independent insurance agency, we are dedicated to finding our customers the best-possible policies at an affordable price. We understand that everyone's needs are different, which is why we take the time to get to know each of our clients and find the perfect policy for those needs.

Keyman And Disability Insurance. Be Sure To Plan For The Upcoming Year.

 Keyman and Disability Insurance help safeguard your business in the event that something happens to your partner or a key employee. Most businesses overlook this important coverage. Read on to find out why it should be considered essential.

Are Your Most Valuable Assets Protected?

With the holidays coming up, now is a good time to think about how well-protected your most treasured items are.

Is Your Business Protected From Cyberattack Loss?

Minimize losses with a Cyber Insurance Policy.

Flood Insurance: Not Just For Hurricanes And Tropical Storms

Flood insurance provides protection from the destruction and financial devastation caused by floods. Flooding can occur even if there is no storm and you’re not in a flood zone. 

Our Commercial Insurance Team Caters To Your Business’ Needs

Massey, Clark, Fischer has been serving the insurance needs of business clients throughout the state of Florida for more than 60 years.

Boat Insurance, A Necessity For Any Boat Owner

With the warm weather and summer vacations, July is the month with the highest number of boat accidents, injuries, and deaths. Before you hit the Florida waters, it’s essential that you get boat insurance.

Massey, Clark, Fischer Announces Erin Massey Walters As New Office Manager, Continuing Its Family-Owned Legacy

Massey, Clark, Fischer is a family-owned and operated business that has been serving the businesses and individuals of Florida for 64 years. The independent insurance Agency is now expanding its family-owned legacy with the addition of its third generation in the business.

Are You Insured And Ready For Hurricane Season?

Hurricane season has officially started. Let us help you prepare for the storms and any insurance claims afterwards.

What Is Uninsured Motorist Coverage And Why Do You Need It?

Approximately 26.7% of the motorists in Florida are uninsured—the highest rate in the entire country. Uninsured-motorist coverage helps you pay for damages caused by an uninsured or underinsured driver.

The Pandemic Has Made Insurance Even More Relevant

Insurance is meant to provide financial protection for unexpected, and even expected, events. Over the past two years, when we never could predict what would happen next, it has proven to be even more essential.

Client Relationships Are #1 At Massey, Clark, Fischer

If it matters to you, it matters to us. That’s why we take the time to build a relationship with you so we can find the plan that’s right for your needs.

Protect What Matters Most This Valentine’s Day!

If it matters to you it matters to us. This Valentine’s Day let the specialists at Massey, Clark, Fischer help you protect what’s important to you. 

Life Insurance For Your Family And Children

Choosing the right insurance for you and your family is an important decision. We understand and want you to feel confident in your choice. Keep on reading to learn more about life insurance for your family.

Happy New Year From Massey, Clark, Fischer, Inc.

It’s a New Year and the team at Massey, Clark, Fischer would like to extend a heartfelt thanks and gratitude to all of our clients,  friends, employees, insurance company partners, and our community for your continued support.

Commercial Insurance Prices Set To Keep Rising In 2020

Commercial insurance prices are set to keep rising in 2020.  This was predicted by industry experts during the latter quarter of 2019. Keep on reading to learn more.

Happy Holidays From Massey, Clark, Fischer

All of us here at Massey, Clark, Fischer would like to extend the warmest holiday wishes to our clients, friends, insurance company partners, and our wonderful community!  We hope you consider using this holiday season of cheer to spread love, be a voice for peace, and give back to your community! Don’t forget, Santa may be watching!

Massey, Clark, Fischer Inc Special Relationship With Veterans

Veterans Day is a day to reflect on the heroism of those who have defended our liberty and freedom. Keep on reading to learn how one United States Navy destroyer got its name.

Almost 2 Million U.S Vets Lack Health Insurance

Almost 2 million veterans are without health insurance. Keep on reading to learn about the findings of a recent study and about new hopes for better VA healthcare for our deserving Veterans.

The Importance Of Insurance In Business

When you run a business, you assume responsibility for the well-being of a range of people, from employees to customers. Your business activities have the potential to affect these stakeholders in serious and costly ways, and business insurance protects you financially from some of these consequences. 

Call us at Massey, Clark, Fischer: we have been specializing in business insurance for more than 60 years and we can help you!

Here's Exactly Why Experts Recommend Buying One Type Of Disability Insurance Over The Others

If you rely on a steady paycheck to support yourself or your family, you'd be wise to protect that income with disability insurance.

Is Your Business Adequately Insured For A Hurricane?

To many, Florida is known as the ‘sunshine state’ but truth be told, it’s also known for severe weather, including high winds, heavy rainfall and worst of all, hurricanes. Now that hurricane season is here, ask yourself, “Are my business and home adequately insured?” Here is what you need to know...

Hurricane Damage Insurance And Claims Coverage

Damage from falling trees and flying branches, severe rainfall and flooding are among some of the serious risks for property owners during a hurricane. Here is what you need to know about hurricane damage insurance and claims coverage...

Meet Raquel Garcia, Commercial Lines Account Manager

Read about Raquel Garcia, our Commercial Lines Account Manager here at Massey, Clark, Fischer.

The High Price Of Cyber Attacks

The average price tag for a business to recover after a cyber attack is $400,000, which can be fatal for small-and-medium-sized enterprises (SMEs), according to a report published by Chubb. Contact our experts and ask about insurance that is available to help you mitigate this type of risk.

Is Your Home Adequately Insured For A Fire?

After a shockingly devastating fire recently tore through the historic Notre-Dame cathedral, an eight-centuries-old Paris church and historic landmark, it begs the question, is your home and office building adequately insured?  Read more about fire insurance policies and more.

Will Insurance Pay Up For Notre-Dame Fire?

As more than a billion euros in donations have poured in to help rebuild the historic Notre-Dame cathedral some have queried why the French state does not simply make an insurance claim?  Read more to find out what we have gathered…

Are You Ready For The Upcoming Football Season?

Seasons come and go and much can be said for each of them. The preparations, the festivities, togetherness, and the burning excitement all sums up the experience. Year after year, we reminisce about the past experiences of each season and daydream about the imminent ones as we await the time. This time around, we know it’s one season everyone is excited about! Yes, that’s right, it’s college football season! Get your colors ready and put on your game face because we are going to talk about the upcoming football season with some of the truest college football fans…

Risk Management And Your Website

Every day in business, finding creative and tactical means of measuring and managing risks is par for the course for all insurance carriers.  In today's feature, read more about how your website plays an important role in risk management analysis for the insurance company underwriters….

Is It Time To Review Your Property & Casualty Insurance

It is highly beneficial to have your property and casualty insurance policies reviewed prior to renewal every few years. At Massey, Clark, Fischer, we are a full-service Agency with expertise in all types of insurance especially property and casualty. Read more about how Massey, Clark, Fischer can help you get the best out of your policies…

Report Identifies P/C Insurance Companies With Best Reputations

Insurance Carriers landed in the top spots based on criteria including strong reputation, relevancy, expressiveness (brand strength, informativeness, relevancy), products and services, governance, citizenship and innovation. Note: Massey, Clark, Fischer represents a large percentage of these carriers. Read more about the rankings here...

Massey, Clark, Fischer, Where Relationships Matter!

They say the best relationships are the ones that are built to last. Here at Massey, Clark, Fischer, we are all about relationships! Every person and every business has unique needs and we understand that very well. This Valentine's Day we want remind all of our clients and friends that we value your relationship and we will strive to continue to offer the intelligent, common sense insurance advice you deserve both personally and/or in your business to ensure your continued success.

How Does Your Florida Car Insurer Rank?

Drivers certainly shop on price and are not exactly “honking their horns” in joy over recent rate hikes, but they are reporting record high satisfaction with the service car insurers provide in a major survey. The love is not spread equally among companies in Florida, though. Read more to find out which of the local insurance carriers ranked at the top of the survey list.

After Proudly Celebrating Our 60th Year In Business Last Year, We Welcome 2019 With Open Arms!

In preparation for the year ahead, our team here at Massey, Clark, Fischer would like to extend gratitude and well wishes for the new year to all our clients, friends, employees, insurance company partners, and our community. We humbly thank you in advance for your continued support throughout the year. We hope that 2018 was a year filled with great experiences and that you are as optimistic as we are about what 2019 has in store.

Commercial Insurance Rates Generally Forecast To Rise In 2019

Escalating losses in the property and casualty insurance market are expected to trigger upward pricing pressure across most commercial lines of business in 2019, led by a continued rise in premiums in the auto sector, according to a new report from Willis Towers Watson PLC. Read more about this...

Considering Group Health Insurance For Your Employees?

It's almost the end of yet another year. I'm sure that we are all getting busy, going into the Christmas season and preparing for the new year ahead. Yes...what a crazy, festive time it is for all of us! And we love it! All of us at Massey, Clark, Fischer want to take the time out to wish all of our clients, our  insurance company partners, community and business referral partners and employees a very Merry Christmas! We thank you for your loyalty and support throughout the year and we hope that this wonderful season brings you and your family warmth, togetherness and good cheers. Merry Christmas!

CVS Plans Changes To Stores After Aetna Deal

CVS Health plans to reduce the amount of store space devoted to retail and shift more to health care after its $70 billion acquisition of the Aetna Insurance Company. This might be a sign of things to come in the healthcare industry for employers, business owners etc.  It’s good to keep your ear to the ground for these kind of changes and understand how it may benefit you in the long term. If you're interested in finding out more about Group Health Care and it’s impact on your business feel free to contact us at Massey, Clark, Fischer.

Veteran’s Day Reflections By Hank Massey Jr.

Just recently, our Nation celebrated Veterans Day and across the country we said thank you to our esteemed veterans for their service and sacrifice. During this time, our president Hank Massey, recounted his family’s personal story of their lost warrior son (Hank’s late cousin) - Lt. Henry Hamner after whom the USS Hamner was named.

VA Mission Act Signed Into Law

Massey, Clark, Fischer is excited about some of the changes coming for healthcare for veterans. Since he took office, President Trump has been working to try to change the culture for VA services and health care. The new policies will make it so that veterans can now go to a private doctor and not have to drive 100 miles to go to a VA hospital. More about that here...

Stay Safe This Halloween And Be Sure To Consider These Insurance Tips.

All of us here at Massey, Clark, Fischer wish you a fun and a safe Halloween this year. Here’s a bit of advice for you to help eliminate any potential damages this holiday.

The Importance Of Insurance For Risk Management New Businesses

Entrepreneurs at new businesses often have a number of brand new responsibilities on their shoulders. There are a lot of obvious risks for any new enterprise and business owners may be savvy enough to mitigate them. However, there are many more risks that may not be immediately obvious to entrepreneurs. Unfortunately, these are the threats that may take the heaviest toll on an organization but buying an insurance plan may be the solution...

Meet One Of Our Stalwarts Judi Harden, Who’s Chalked Up More Than 22 Yrs With Us And Counting!

Massey, Clark, Fischer is more than just a business, we are a family! Many of our employees have dedicated years of their life to this family and one such talented team member is Judi Harden who works in our personal insurance department. Judi doesn’t let anything stop her from achieving what she wants to in both her professional and personal lives! Learn more about this attentive grandmother, cancer survivor, mountain girl...

Facing The Aftermath Of A Hurricane: Filing Insurance Claims

If you’ve been caught in the path of a hurricane, recovery can be confusing and complicated and it’s hard to know where to start. One of your first steps should be filing your insurance claim. If you’re not sure where to start, here are a few tips…but also keep in mind, it’s our role here at Massey, Clark, Fischer to help you and guide you through the process.

Meet Barbara Ann De La Vega - Commercial Insurance Account Manager

Massey, Clark, Fischer prides itself on being a relationship driven Agency. We consider our Staff an integral part of our family, and this is reflected in the many years of faithful service our employees give to us. Many of you, our valued clients, would have certainly met and interacted with our very own Barbara Ann de la Vega over the years. Now it’s time to learn a little bit more about our Commercial Insurance Account Manager.

Why Buy Cyber Liability Insurance For Your Small Business?

In the Internet-dominated business arena of today, companies store more sensitive information than ever on their computers. While cyber hacking and cyber liability insurance isn’t new, many small businesses are under the false impression that only large business get attacked, which can have debilitating results for a small business without this type of insurance. Learn more about why cyber liability insurance is essential, especially for small businesses.

BENEFITS OF FIXED ANNUITIES

For those looking for conservative growth with higher yields than bank products, fixed annuities can be an attractive option. Fixed annuities are contracts with insurance companies that provide for tax-deferred interest payments that go into the contract owner’s account.

Meet Emily Abelha - Marketing Rep

Blessed with a pleasant and easy-going personality, Emily Abelha is an integral team member here at Massey, Clark, Fischer.  Many of you, our valued clients, would have interacted with Emily over the years, so in this short article we wanted to share more about Emily with our clients.  Find out what she loves, as well as some interesting facts you probably never would’ve guessed about her.

PARENTAL LIABILITY WHEN THEIR CHILD IS NEGLIGENT

For those looking for conservative growth with higher yields than bank products, fixed annuities can be an attractive option. Fixed annuities are contracts with insurance companies that provide for tax-deferred interest payments that go into the contract owner’s account.

Duty To Provide Information After An Accident

Under the Florida statutes every driver involved in a motor vehicle accident is required to give certain information to a police officer.

Moving This Summer? Don’t Forget To Put Insurance Planning On Your Checklist

“Independence Day reminds us of our break away from England and tyranny, and the establishment of our own country where democracy and freedom rein. For securing our liberty we say THANK YOU to the members of our esteemed military; it is because of you that we can live the American dream, which includes owning private property and home ownership”, said our President, Hank Massey.  There are many inter-linked parts that need to come together to make your summer move a success. While your insurance needs might take a back seat as you focus on hiring a mover and getting the kids all packed up, it is actually one of the most important boxes on your list that needs to be checked. Here’s why...

Celebrating A Great American Hero - General Jerry Boykin

Our President, Hank Massey, recently had the distinct honor of introducing a true American hero Army General Jerry Boykin to the Annual Gathering of Men breakfast on May 11th.  Over 350 men were in attendance at the event. Check out these highlights from Hank’s introduction of General Boykin.

DISTRACTED DRIVING

The National Safety Council estimates that as many as 40,000 people died in automobile accident crashes in 2016. That is a 6 percent increase over 2015 and a 15 percent increase over 2014. This is the most dramatic two year escalation in 53 years. The National Safety Council estimates that 25 percent of all crashes involve some type of cell phone use.

LIABILITIES RESULTING FROM DRIVING UNDER THE INFLUENCE

In Florida, a driver is presumed to be driving under the influence when his/her blood alcohol level is greater than 0.08. There is criminal liability for driving under these circumstances but if there is an accident and someone is injured or killed, there can also be serious civil liability.

REDUCE TAXES BY BECOMING A FLORIDA RESIDENT

Florida is one of nine states in the country with zero state income tax; residents of New York, Pennsylvania and Massachusetts incur significant state income taxes and state death taxes. If you are reading this article, you are either a permanent resident of Florida or a visitor. 

Life Insurance Options For Veterans And Their Families

When you're a member of the military, many of your needs are taken care of, including access to  life insurance for you and your family. The transition to civilian life can be difficult but here are a few life insurance options to make it easier.

Meet Hank Massey, Jr. - Partner At Massey, Clark, Fischer, Inc.

Massey, Clark, Fischer, Inc. has been around for decades, first formed by Harry Massey, Snr. It’s time to meet the man with a niche for insurance in his blood - Hank Massey, Jr.

Show Mom How Much You Love Her This Mother’s Day

Nothing says “I love you Mom” more than ensuring she is safe and well taken care of. Visit our office to ensure your mom’s insurance needs are fully covered, so that she can enjoy peace of mind this Mother’s Day.

HOMEOWNER'S LIABILITY FOR INJURIES

Homeowners may be liable for an injury caused on their property. A homeowner’s liability may be dependent on the classification of the person who is on the property and is injured.

DEALING WITH AN INSURANCE COMPANY AFTER AN ACCIDENT

Insurance companies make money by investing the premiums paid for insurance policies and it is to their advantage to delay payment of claims for as long as possible. Claims adjusters working for insurance companies are trained and experienced in reducing claims as much as possible. It is their job to make sure their employer, the insurance company, pays as little as possible on any personal injury claim.

My Fellow Floridians...the Early Predictions Are In… 2018 Is Expected To Be An Active Hurricane Season!

Predictions for the 2018 hurricane season have already been released and we are expecting an above average season. We care both personally and professionally for our clients.  Are you prepared? Here are a few things to consider this hurricane season.

When Dogs Bite: Dog-Related Losses Account For One-Third Of Homeowners Liability Claims Costs

Dog bites and other dog-related injuries accounted for more than one third of all homeowners liability claim dollars paid out in 2017, costing almost $700 million.

OVERALL RATE OF UNINSURED MOTORISTS RISING NATIONWIDE

The study, directed by the Insurance Research Council (IRC) and co-sponsored by The Hanover Insurance Group, found that 13 percent of all U.S. motorists were uninsured in 2015, up from 12.3 percent in 2010, following a seven-year decline from a high of 14.9 percent in 2003.

Massey, Clark, Fischer, Inc. - Celebrating 60 Years In Business!

Since 1958, Massey, Clark, Fischer has proudly served the Palm Beaches as your leading local insurance agency. For 60 years now, we have dedicated ourselves to fulfilling the insurance needs of individuals, families and businesses in Florida.

Keep This Information In Mind If You’re Planning A Trip For Spring Vacation.

Aside from summer, spring break is an ideal time for families to vacation. Although spring break has typically been associated with college students, kids of all ages and their parents can benefit from a family vacation. If you’re planning a spring break vacation this year, keep this information in mind.

Fraud, Lawsuit Abuse Earns Florida No. 1 Spot On ‘Judicial Hellhole’ List

Florida’s number one Judicial Hellhole ranking for 2017 from the American Tort Reform Foundation (ATRF) is unlikely to be an achievement the state will celebrate any time soon.

FRAUD, LAWSUIT ABUSE EARNS FLORIDA NO. 1 SPOT ON "JUDICIAL HELLHOLE"

Massey, Clark, Fischer offers liability insurance protection for many of the lawsuit/litigation examples listed below.  Are you protected? Should we review your coverage with you? Please give us a call so we may discuss this with you.

Attorney, Vendor AOB Lawsuits Top Insurance Litigation In 2017: FJRI Report

Litigation from the abuse of assignment of benefits by third parties represented more than half of all Florida insurance litigation in 2017, and without a legislative fix those fueling the abuse will continue to get rich at the expense of insurance consumers, according to the Florida Justice Reform Institute (FJRI).

Why You Need Flood Insurance - Even If You’re Not In A Flood Zone

Flood insurance provides protection for destruction and financial devastation caused by floods. Although it may not seem like much, even a few inches of water can cause damage and result in thousands of dollars in repair and restoration costs. Homeowners insurance does not typically cover floods, which is why purchasing flood insurance is essential, even if you’re not in a flood zone. 

Happy Valentine’s Day From Massey, Clark, Fischer, Inc!

Valentine’s Day is all about celebrating the relationships that matter the most to us. At Massey, Clark, Fischer we are all about relationships. We understand that every person, every business and every policy is unique, so we encourage you to choose one of the most trusted, client-focused local insurance agency - to create a tailored, custom policies to meet your needs.

Welcome To Our Updated E-Newsletter!

Welcome to our updated e-Newsletter. This new resource will keep you, our valued clients, and friends abreast with what's happening in the insurance world. Take a peek at what we have in store for you this month. Do enjoy!

What You Need To Know About Worker’s Compensation – Changes You Can’t Ignore!

Rates are increasing this year and accidents happen! When they happen, however, is a question with no certain answer. Today, the workplace is an extremely common place for a person to be injured. What if an employee gets injured on the job? What happens if they need time off for a surgery? Do you have systems in place to compensate them? If you don't, Workers' Compensation may be the answer. Learn more on why workers' comp is vital and how you and your employees can always be protected.

Workers' Compensation For All Florida Business Owners

Owning a business is a rewarding and fulfilling venture with many possibilities for success. However, it does come with its challenges, especially the safety and welfare of your employees. The workplace is a very common area for people to get injured, and having the right Florida workers' compensation insurance is important for every business owner, no matter how large or small.

Summer Gives Local Businesses A Tourism Boost!

As spring concludes and summer gets underway, Florida residents are going to continue seeing the tourism boom throughout the Palm Beaches and beyond. However, instead of being annoyed, here are a few benefits that local business will see from the influx of people in the summer and beyond.

Tips For Your Graduation Party At Home

May is here, and that means it is graduation season! Bells will be ringing, the music will be playing, and the graduates of the surrounding high schools and colleges will soon be proudly walking out to collect their diplomas and degrees. If you’ve got a grad in your family, celebrate the accomplishment of graduating by throwing a party at your home! Here are a few tips.

What Is Workers' Compensation Fraud?

Many growing businesses have workers' compensation policies in place to help employees who may have to take time off work for unforeseen reasons. Whether an employee has been injured at work or is taking time off for surgery, there are many reasons why workers' compensation claims happen. However, your company would do well to understand workers compensation fraud, in order to be on the lookout for potential cases!

Boat Insurance For Your Summer Trips

On days when the weather is beautiful, we know you want to hit the open water! For some, casual boating is the way to relax and enjoy the sun, while others make their living out on the water. Regardless of how often you take your boat out, it is important for all Florida residents who have a boat to also have watercraft insurance. Here are some reasons your boat should be covered:

What To Do If Your Car Breaks Down On The Highway

Dealing with a damaged car in the middle of the highway is not only stressful and overwhelming, it can also be very dangerous if you are not careful. While it is difficult to stay in control when you first realize that your vehicle is not functioning the way it should be, try not to panic. Whether you are in the middle of traffic during the morning rush hour or on your way home late at night, following the simple tips below can help you handle any type of highway emergency safely and efficiently.

What Is Umbrella Liability Insurance?

Many people wonder what umbrella insurance is. Perhaps you know a little bit about it, but you’re only familiar enough to know that it covers the excess liability you may hold. A good way to think of umbrella liability insurance is as a blanket policy. In other words, it is going to cover you all over. Insurance is meant to protect you and your family’s financial security, and that holds true for an umbrella policy, whether it is for your individual homeowner’s insurance or for your business’ commercial coverage.

Choosing The Right Employees For The Job

Matching the right job applicant to a particular job opening is not an easy task. Since all job candidates who make it as far as their interviews have impressed the human resources staff with their cover letters and resumes, an interviewer must rely on carefully honed skills of discernment and a few of the following tips to find the job seeker who really stands out.

Tips For Driving Safely In A Traffic Jam

Imagine cruising down the Florida highway along the water with the sun shining. With the wind blowing through your hair, you may not have a worry in the world. But all of a sudden, you come up to a congested roadway where it looks like the traffic is endless. Although you wish you could just maneuver your way out of the backup, this would be a dangerous move. It is important to drive safely in traffic to avoid potential accidents and injuries.

A Healthy Eating Article Brought To You By Our Agency

If you’ve been searching for some healthy eating articles, you may finally be in the right place. Our agency wants to help Florida residents get the information they need to live healthy lifestyles so we try to provide information as much as we can. Sometimes, it isn’t about the major changes you make to your lifestyle, but the small ones.

Organize Your Home By Creating A Home Inventory List In 5 Easy Steps!

Did you know that January 14th is recognized as National Organize Your Home Day? If you did not plan on celebrating or participating today, it’s okay! There is never a “bad” time to focus on organization. An organized home will lead to a less-stressed and much happier environment.

South Florida Business Spotlight: The Shoe Spa

As an agency who offers Florida Commercial Insurance to local businesses, we have a passion for the businesses we insure as well as the community at large. This space is dedicated to providing a well deserved spotlight to the locally owned businesses that make our community so unique.

Helping Your Employees Get Healthy

Did you know that if you have healthy employees you might get a break on your healthcare costs? Some carriers offer discounts if you can show them that your employees are living healthy lifestyles. Your employees can also benefit from living healthy by possibly getting reductions on their premium costs as well.

Having Animals At The Office

Some companies have been trying out new things these days to help make employees happier in their work environments. One of the things that has recently been tried is allowing employees to bring their pets into the office.

Lifeguards

Recently, a southern Florida lifeguard was fired for saving a drowning man who had been swimming outside of the lifeguard’s coverage zone. Thank goodness the lifeguard was close by and spotted the man struggling out in the water. If he had not been available, what could have happened to that poor man? You can only imagine.

Keeping Your Employees And Vehicles Safe

If your company has drivers, you will want to train them properly on keeping themselves safe on the road. You will also want to tell them the basics about protecting the vehicle from being stolen or broken into, and from possible breakdowns. Here are some pointers to keeping your drivers and cars running smoothly out there on the road.

When Your Office’s Air Conditioner Fails

Working in a hot office building can really suck the life out of you. Similar to the feeling you get when your cell phone stops working, it becomes extremely hard to understand how we used to even LIVE without air conditioning when your office’s air conditioning breaks down. 

Being Robbed

What do you do if your business is robbed? There are several procedures you should put in place at your business so your employees will know how to handle the situation if it ever arises. Your Florida commercial insurance carrier may also have some safety steps for you to follow to help prevent robberies. No one expects their business to be the victim of a robbery, but unfortunately it happens all the time.

Is Your Business As Safe As You Hope?

How do you know if you have enough Florida workers compensation coverage for your business? If you are concerned about your coverage, you should certainly talk with your agent to find out about all your available options. The problem may not be with your coverage, but with safety issues at your workplace.

Preparing Your Business For Hurricane Season

Making sure your business will be able to withstand a hurricane can be a time consuming, daunting task. It can be downright overwhelming if you wait until the last minute. Instead, prepare your business now while the sun is still shining and there are no gusting winds to deal with. Talk with your Florida Commercial Insurance agent to see if your carrier has any tips to help get your business ready.

Investigating A Claim

When an employee is injured on the job, your Florida workers' compensation policy will step in and take care of compensating him for his time lost and medical bills. You may be left wondering what happened in the first place. How did the accident occur? How can you prevent it from happening again?

Do You Need A Commercial Auto Policy?

Sometimes there’s a fine line between Florida commercial insurance and automobiles. Do you have employees driving company cars? Or do you have a pizza shop with delivery guys using their own vehicles? It’s hard to determine sometimes when a commercial auto policy is needed.

Employer Requirements After A Work Place Accident In Florida

An employee getting hurt on the job is something all employers try to avoid. It’s not a fun day for anyone when a worker falls or hurts himself while on duty at your company. Not only does the injured person have to attend to his physical issues, but you as an employer have duties as well.

Improving Your Workplace Safety System

Carrying Florida Workers' Compensation insurance provides important financial protection for your employees who are injured at work, and helps to satisfy your obligations as an employer under Florida Law. It’s also your responsibility to maintain a workplace that’s healthy and safe and minimizes the risk of work-related accidents.

Protecting Your Small Florida Business From Data Loss

Data safety can be a constant concern for some small business owners in Florida. It may be a good idea to include data loss insurance in the Florida commercial insurance you purchase to protect your business investment from losses.

Keeping The Focus On Safety Is A Very Good Business Strategy

As a business owner, one way you may be able to keep your Florida general liability insurance premiums under control is to take steps to limit the amount and severity of claims against your business. One of the best ways to do this is to make safety a priority in your work place as this can reduce the risk of injury for both workers and visitors to your premises.

Selling Your Produce At Markets? Make Sure You’ve Got It Covered!

People in Florida like to grow and bake things and then sell them at the local farmers’ market, produce stand or bakery. The fresh egg business continues to become more popular. At what point should a Florida general liability insurance policy be considered when you are selling food items to the public or to friends?

We Can Help You Choose Florida Commercial Insurance Policies!

Do you have an agent assisting you with your Florida commercial insurance requirements? There can be fabulous advantages to utilizing an agent, from sourcing value for money insurance quotes, to assisting you to assess your risks and ensure you have the right types of coverage in place. Here are some of the ways we assist our business clients to manage their insurance needs.

Maintain Income Even If Your Business Has To Close Temporarily

When purchasing Florida commercial insurance for your business, it’s important to have protection from the financial consequences of accidents and mishaps. Although businesses typically purchase property coverage, many business owners may be unaware of the benefits of having business interruption insurance in place.

Is Your Business Exposed To Liability Risks?

The owner of a small business in Florida may choose to purchase a minimum of business insurance coverage in an effort to reduce costs. However, don’t be tempted to skimp on Florida general liability insurance; it’s important for a business of any size to have protection from the cost of lawsuits.

Umbrella Coverage For Additional Liability Protection

Florida commercial insurance products typically cover liability risks such as bodily injury, personal injury, property damage and financial harm. Are you satisfied that the liability coverage your business carries provides adequate financial protection if a significant judgment was awarded against the business?

How Much Florida General Liability Insurance Coverage Does My Business Need?

Having Florida general liability insurance in place may help protect the assets of your business from the financial costs associated with lawsuits claiming compensation for personal injury or property damage. This type of insurance protection is essential in our increasingly litigious culture and the coverage a business needs typically depends mainly on two factors:

Do You Have An Entrepreneurial Attitude?

One of the characteristics of successful Florida entrepreneurs is their ability to focus on both the present and the future. While going about the tasks that must be accomplished to keep a business thriving from day to day, they remain acutely conscious of the need to ensure the long-term continuity of their enterprise.

Florida General Liability Coverage Is As Important As Business Property Coverage

New business owners in Florida may find it easy to understand the importance of property insurance in protecting a business from the financial consequences of losses of physical property, such as equipment and inventory items. It’s sometimes more difficult to appreciate the importance of Florida general liability insurance to protect a business from the financial consequences of being sued.

Lead By Example To Reduce Workplace Stress

Workers’ compensation is a Florida commercial insurance product that is mandatory for businesses that employ one or more workers in the state. This insurance protects your workers if they suffer work-related injuries or illnesses. In addition to carrying workers’ compensation insurance, responsible employers take steps to keep their workplaces safe to reduce the risk of accidents.

Discounts: Why It Can Be Better To Receive Them Than Offer Them To Clients

Insurance companies are in the business of analyzing and managing risks. The company that provides Florida commercial insurance coverage for your business may offer discounts that significantly reduce your insurance costs, and you may be sure that in setting insurance premiums an insurance company has taken account of the risk of insuring you.

Is Starting A New Business Deceptively Easy?

The internet has helped so many Florida entrepreneurs to start their own businesses. Launching a business that sells products or services requires little space and minimal capital investment: just you, a computer, a phone and a Florida commercial insurance policy, and you’re on your way! It sounds easy – but is it too easy?

Three Ways Of Saving On General Liability Insurance

Is your Florida business at risk of claims for property damage or bodily injury claims? Florida general liability insurance coverage provides protection from claims of this sort that can arise if a client is injured on your premises or suffers a loss because of your business.articlethirtyseven

Can Your Business Survive A Disaster?

Florida has over the years, endured its fair share of natural disasters. Preparing your business by having a disaster management program may be the difference between you surviving or closing your doors. While having adequate Florida commercial insurance in place is vital, it must be remembered that it may not just be financial protection you will need in order to survive.

New Business Enterprise

Starting out in business on your own is an exciting time, filled with the hope of success as well as the possible trepidation of the new venture. There are many things that will demand your attention and one thing that should be foremost in your mind is Florida general liability insurance. What exactly does it cover, you may ask?

Check Your Gutters And Downpipes – Save Yourself Some Money!

One of the most commonly neglected home maintenance tasks can be clearing roof guttering. Unfortunately, as any major downpour will demonstrate, blocked gutters can provide you with a major mess to clean up when the weather clears and might cause significant damage.

Could A Situation Similar To Kodak’s Demise Happen In Your Business?

Business owners in Florida who may be content with the way their business is operating and not planning to make any changes to the way they run their business, may be jolted by the recent demise of Kodak. Many might ask, what happened? What went wrong? Being content that your business is doing well without planning for the future, may leave your business floundering and behind the times.

Defective Products

Having strict controls over the manufacture and distribution of your products is essential to every business. Design and construction of any product, large or small, must conform to the appropriate safety standards and specifications, and be strictly monitored. Failure to do so with the result that a defective product is released into the marketplace can have catastrophic consequences.

Professional Liability Insurance For Florida Businesses

There are many types of businesses in Florida that should carry professional liability insurance. One claim can have the potential to financially devastate not only your company but you personally. Can you afford to be without it? Florida commercial insurance agents will be able to determine the potential for loss in your specific business and can tailor your insurance plan to incorporate coverage for such an eventuality.

Running A Car Wash Could Clean You Out, Which Is Why You Need Our Florida General Liability Insurance For Protection!

Car Wash businesses do a roaring trade in Florida. Many car wash operators offer extensive services in addition to the basic car wash. With detailing, clear coat protection, wax, polish, and tire shine, they truly are a one-stop shop for keeping people’s cars looking fantastic. However, the financial rewards of a good car wash business can be undone if you are not adequately covered by Florida general liability insurance.

Does Your Business Really Need Florida General Liability Insurance?

Owning a business brings with it many costs and trying to eliminate some costs that are deemed not as important, such as additional insurance coverage. However, this is a decision you may regret at a later date. Florida general liability insurance is a product that aims to protect your business from the cost of litigation and damages if you are sued. 

Correct Food Storage Essential For Food Vendors

Residents of Florida are faced with many choices when it comes to purchasing a quick meal on the run. A multicultural population means a vast array of different food outlets offering a quick snack or take-out meal. Food vendor businesses are often family-run and like larger operations, they must comply with guidelines as set down by Florida Division of Food Safety.

Consult The Experts To Ascertain Your Florida Commercial Insurance Needs

Every business is different and negotiating the correct insurance needs for your Florida business is essential. Florida commercial insurance requirements can be complex so understanding what you are getting and exactly what scenarios you have coverage for is extremely valuable as your business evolves.

Commercial Insurance For Florida Business

Running a business that starts as a small home-based venture and grows into something more substantial can be very rewarding. Along with the extra workload involved in the growing business, you’ll soon discover that your home and contents' insurance is no longer adequate. With this in mind, you should investigate Florida commercial insurance protection.

Commercial Motor Vehicle Coverage

Any business which has commercial vehicles needs expert advice on the appropriate Florida commercial insurance policy for their needs. Maintaining and running commercial vehicles should be no different to your personal vehicle. The reliability and continuity of service vehicles are paramount to the day to day operations of your business.

Does Your Business Serve Alcohol?

Anybody who owns a business that serves alcohol should be aware of the potential for damages that could be claimed as a result of the actions of intoxicated patrons. As alcohol becomes more and more a part of people’s lives, anyone working in an industry serving alcohol should consider the implications and include liquor liability insurance along with their Florida general liability insurance or as a separate policy.

Florida Commercial Insurance For Event Planners

As an event planner, you are like a circus ringmaster. Depending on the event you are managing, coordinating dozens of different people often means navigating a labyrinth of logistics and risks. Your liability risks can be enormous, so you may need to have top coverage as part of your Florida Commercial Insurance policy to ensure that anything that doesn’t go to plan is covered.

Do You Know What Your Florida General Liability Insurance Covers?

It can be easy to gloss over the details of Florida general liability insurance policies when your main priority is getting on with running your business. You consulted with a reputable insurance agent or broker, didn’t you? That means everything will be okay, right? It may well be fine, but this is your business you’re insuring, your livelihood your hopes and dreams.

How Much Florida General Liability Insurance Should I Have?

Today, even the smallest of mishaps can result in a lawsuit. That’s why Florida general liability insurance is so important to protect your business. This type of insurance protects the assets of your business if you are sued for causing personal injury or property damage.

Grow Your Business With Florida Commercial Insurance

As a business owner, you are constantly working to improve your business and make it more successful. With hard work and great Florida commercial insurance, you can build an unstoppable company! Here are a few tips to get you started:

Florida General Liability Insurance Packages

When it comes to Florida general liability insurance, it can all seem a bit overwhelming. You may have read or heard that you need several types of insurance, and the thought of researching and finding the best deal for each one is far from enticing.

Florida Commercial Insurance For Courier Companies

Business moves at such a rapid pace that transporting items from place to place needs to be facilitated in a variety of different ways. The postal system is not always the best option – hence the high number of small courier businesses and contractors that are flourishing in Florida. But do these types of business operations have proper Florida commercial insurance in place?

How Can I Save Money On My Florida Commercial Insurance?

Florida commercial insurance is one of those areas that may seem to be a necessary evil. The reality is that it is vital for any business – to protect you financially, and to protect the business you may have spent years building. If you follow these tips, it need not be financially draining.

Your Contractor Is Licensed, But Does He Have General Liability Insurance?

No matter what the size of your project, when it comes to remodeling your home, you must be prepared for everything. For the most part, before hiring a contractor, everyone knows the importance of confirming if your contractor is licensed. But, what most people don’t confirm: is that their contractor has Florida General Liability Insurance.

Florida Commercial Insurance Basics

Planning to open a business? You’re in for a busy time. There’s a lot to get your head around, and the chances are you have a massive “to do” list close at hand. Perhaps you’re here because you’ve just worked your way down to “insurance” on your list! We know you’re busy, so here are the different types of Florida commercial insurance. You may need some or all of them:

Stay Safe On The Water With Florida Boat Insurance & Safety Equipment

Think about this. You are out on your boat enjoying time with family and friends, participating in different water sports such as tubing and waterskiing. You glance away for a second at the beautiful sunset in the distance, only to look back in time to see a huge rock approaching in your path. You do not have time to avert the watercraft out of the way of the oncoming rock. Your boat smashes into the rock and comes to a halt.

Yes, Even Disney World Needs Florida General Liability Insurance

The most magical place on earth—filled with happy families, screaming children, rides, characters and exhilarating roller coasters. Walt Disney World has a little something for everyone, making it truly a dream come true. Don’t let all that magic fool your sense of reality though.

Does Your Florida Commercial Insurance Properly Cover Your Business?

Owning a business brings the unexpected every day, but one thing you should not have to worry about is what to do when the unexpected hits. Having the right amount of coverage on your business is important. From weather, to work accidents, making sure you have the right coverage for your business will only help save you money in the long run.

Don’t Be Left Behind Without Florida Commercial Insurance

Being a business owner you understand the risks—as well as the rewards—of running your own business. Business is unpredictable, and you never know what type of obstacles and misfortunes you’ll run into. Your goals are normally to maximize profits while continuing to minimize overall costs.

Jump Into The Summer With Important Information On Florida Boat Insurance

Getting ready for the summer? If you live in Florida then you know how important boating and fishing are to Florida residents. Boating is fun and relaxing, but it is important to be safe while out on the water. In order to be safe, you should have the right insurance. Here are the different types of coverage for Florida boat insurance:

Motor Boat Vs. Yacht Insurance Coverage

Whether you have a motor boat that you use to cruise along the intercostals or through the ocean with, or a yacht that you spend the summers on, insurance is an important factor. Both types of boats require coverage but there are different policies for each here in Florida.

Hidden Legal Risks Of Green Building

Broadly referred to as “green” construction, the field of environmentally focused design and construction, which once seemed like a fad, has become mainstream. Many federal, state, and local initiatives either mandate or incentivize green building, and the green building market continues to grow, despite declining commercial and residential construction.

Is Your Boat Properly Insured For Summer?

We have the luxury of being able to use boats almost all year round in Florida. But as summer approaches and seasonal visitors come down south, the more boats will be on the water. Making sure your boat is properly insured is not only a law but can protect you in many situations. We offer three different types of Florida boat insurance at our agency.

Florida Worker' Comp Rules And Regulations

Accidents happen – it’s part of life. There are usually medical expensive involved whether you go to the emergency room and end up in the hospital for a longer stay. When the accident occurs on the job, it is up to the employer to cover the costs, and having workers' comp coverage can help offset some of these expensive charges.

The Florida Workers’ Compensation Claims Professionals

WCCP stands for the Workers’ Compensation Claims Professionals, a committee established in 1989 to raise the level of professionalism in the workers comp claims community through education and networking.

The Wisdom Of Warren Buffet

There was a one hour interview on CNBC with Warren Buffet, the world’s second richest man who donated $31 billion to charity.

Florida Employee Notification Letter Updated

The Florida workers' compensation employee notification letter has been updated and can now be viewed on the state's website. According to the Florida Department of Financial Services:

How Will Illegal Immigrants And Workers' Compensation Claims Play Out In Florida?

Recently the Supreme Court turned down a case hearing of a Louisiana man's workers' compensation case. The reason? He wasn’t a citizen of the United States.The Supreme Court choosing not to take on workers' compensation cases on illegal immigrants puts the issue in the hands of each individual state. Being in a state where the number of illegal immigrants is higher than in other parts of the country, Florida workers' compensation claims by illegal workers come by the handful.

General Contractor Florida Workers' Compensation Exposure

It was recently brought to our attention, that general contractors who use leasing/PEO’s for their workers' compensation may have an uncovered exposure. A general contractor (GC) has a Florida workers' compensation policy through a leasing arrangement. GC hired a subcontractor to provide all drywall services and received a Certificate of Insurance from the subcontractor providing evidence of Florida workers' compensation insurance. The subcontractor hired another subcontractor to provide lathing for the building.

Does Smoking Affect Your Florida Life Insurance?

A Florida man who developed cancer from smoking was awarded $260,000 on Friday from tobacco company R.J. Reynolds. The 71-year-old man suing the tobacco company sought $10 billion dollars in damage payments, the largest amount to be sought by an individual in a trial against a cigarette maker.