By using an Independent Agent such as Massey, Clark, Fischer, Inc, you receive more personalized service backed by many years of experience (we are 60+ years in business). Having direct contact with Massey, Clark, Fischer, Inc can be very important when purchasing insurance, and absolutely necessary when filing a claim. Massey, Clark, Fischer, Inc prides itself on our personalized, relationship-driven service and we invite you to experience our service yourself to see what makes us different.
There are many factors that can affect your insurance rate over time. Insurance premiums are unique to each client. They are determined by multiple factors, including adjustments to the deductibles, coverage limits, and discounts within your policy, along with price changes in your state. We use as much information as possible to make sure we provide you with the right coverage at the right price.
Insurance rates, called premiums, are based on risk, or the potential that someone will make a claim. The greater the risk, the higher the premium; the lower the risk, the lower the premium.
Insurance is a way of managing risks. When you buy insurance, you transfer the cost of a potential loss to the insurance company in exchange for a fee, known as the premium. Insurance companies invest the funds securely, so it can grow, and pay out when there’s a claim.
Insurance helps you:
You should review all of your insurance needs at least once a year. If you have a major life change, you should contact your Insurance Agent. The change in your life may have a significant impact on your insurance needs. Life changes may include:
Many natural disasters, such as hurricanes or tornadoes (in Florida you might have a seperate wind policy), are covered in a homeowner policy. Others, like earthquake and flood are generally not. Let us know if you have any concerns about your protection from loss due to natural or even man made disasters; we'll be happy to review your insurance program and let you know what, if any, changes you might want to consider.
If you own, lease or finance your vehicle then you will file a claim with your insurance company. You will have to pay any deductible amount. Payment for your loss will include payment to the finance or leasing company, if any. If you cause damage to other vehicles or property, your insurance company will handle that with little or no involvement on your part, in most cases.
Your automobile policy protection is extended to anyone you grant permission to drive your car. You do not need to explicitly provide permission, the other person only needs to have a reasonable belief that they are driving with permission.
The best thing to do is to take a complete inventory of all your business property, determine the value and decide if each is worth insuring. Then check to see that the items on the inventory list are included in the basic business property policy and covered for the correct amount. If not, ask us about the cost of purchasing additional coverage to meet your needs.
You also need to consider your business situation. Are you planning a major expansion? Does your inventory have a decidedly peak season? Or does it fluctuate throughout the year? Is your liability limit high enough in light of the new job contract you just signed? Business policies are designed to be added to or subtracted from to meet your needs. Be sure to discuss changes to your business with us so that we can be sure your policy still provides adequate coverage.
A builder's risk insurance policy is important for any general contractor or property owner who is building a building or a home or making structural improvements to a property. This type of insurance is often purchased by the owner of the building or property. Many times, however, it is contractually required that the general contractor is covered as well. Because this is a type of property insurance, builder's risk insurance generally does not provide liability coverage.
A builder's risk insurance policy will cover against losses due to fire, lightning, wind, vandalism, theft, and other natural forces. Coverage lasts during the period of construction and ceases once construction is completed.
Yes, because the chance that you could suffer a loss begins with the first day of business. You can't get help after the fact. If you suffer a loss and have no insurance or have improper or insufficient coverage, there is very little, if anything, your insurance agent can do to help you. You must be prepared for the risks that are inherent in any business and the losses, sometimes catastrophic, that they can cause.
Also, most local jurisdictions require that businesses be insured to begin operating. And, if you rent space for your business, your landlord probably requires that you be adequately insured as well.
EPLI covers businesses against claims by workers that their legal rights as employees of the company have been violated. The number of lawsuits filed by employees against their employers has been rising. While most suits are filed against large corporations, no company, no matter how small, is immune to such lawsuits. This coverage provides against lawsuits for discrimination, sexual harassment and wrongful termination.
The type of business that can be insured with a Florida Workers Compensation policy may be an individual, partnership, joint venture, corporation, association, fiduciary, or other entity, and these policies are designed to handle work-related accidents as well as diseases and work related illnesses. The State of Florida classifies businesses into either ‘construction’ or ‘non-construction’ categories and the rules vary based on number of employees the business has as to coverage and policy requirements.
You might, depending on how your company uses your personal vehicles including does the business own the vehicles. While the major coverages are the same, business auto policy coverage differs from a personal auto policy in many technical respects. Visit us, we can break down all the differences and provide options for you.
There are many different types of third-party liabilities to be covered for a business. Business liability insurance may protect you from claims arising from someone's bodily or personal injuries. Other items that could be covered are damage to the property of others, products-completed operations, advertising, premises operations, fire legal liability and related legal defense costs. For instance, liability insurance will not only pay the cost of covered damages but also attorney fees and other costs associated with your defense including Lawsuits and judgements against you.
400 Executive Center Drive, Suite 205 West Palm Beach, FL 33401
Give us a call at 561-478-1660
Fax us at 561-478-6876
Or send us an email at email@example.com
The Agency was originally founded by Harry Massey in 1958. Massey, Clark, Fischer was formed in 1999 with the merger of Massey Insurance and Financial Services, Inc. and Clark, Oen, Johnson, & Fischer, Inc. Both organizations trace their roots back to 1958.
With over 100 years of cumulative insurance experience both agencies merged to promote and build upon the insurance legacy of these Palm Beach County insurance professionals. The organization is a full-service Agency with expertise in all types of insurance and financial services.