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902 Clint Moore Rd. Suite 132
Boca Raton, FL 33487

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What Your Employees Should Do After a Workplace Injury

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If you’re a business owner, protecting your business assets with commercial insurance is essential. Many company owners seek guidance when choosing the best insurance policies. If your company is near Boca Raton, FL, our team at Coastal Premier Insurance Group looks forward to meeting you and building a business relationship. We have been providing service to companies like yours since 1986.

Steps Employees Should Take After a Workplace Injury

One critical type of insurance is a workers’ compensation policy. As part of your ongoing education for employees, it’s important to teach them the steps to take if they are injured at work. According to Bench Laws, the first step is to report the injury to their supervisor as soon as possible. If medical attention is needed, they should visit a doctor immediately.

Employees should also document the circumstances of the injury. Writing down the details as soon as possible is crucial, as they may forget important information if they wait too long. The next steps will depend on the instructions provided by the examining doctor. Remind employees to stay in contact with your company’s management until they are cleared to return to work.

Schedule an Appointment Today

Your business will face many challenges, but the right insurance can ensure your business assets are protected. Our team at Coastal Premier Insurance Group can help you find the commercial insurance policies that best suit your company’s needs. Businesses in the Boca Raton, FL, area have trusted us for over 35 years. Call us today to schedule an appointment and allow us the privilege of working with your company.

Umbrella Insurance And Accidents On Your Property

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Umbrella insurance in Boca Raton, FL, helps protect your financial assets in the event of a liability lawsuit. Accidents on your property can lead to significant legal claims, leaving you uncertain about your financial future. Umbrella policies provide an extra layer of protection.

Legal Defense

Most homeowners require legal representation when facing a liability lawsuit. Umbrella insurance can help cover the costs of a legal defense, ensuring you don’t have to deplete your savings. An insurance agent will work with you to ensure you have a reliable legal team by your side in court.

Settlements

An umbrella policy can also help cover the cost of settlements against you. However, it’s important to note that exclusions apply. Insurance typically does not cover intentional or malicious acts. For example, if someone slips and falls on your sidewalk, it is considered an accident and may be covered.

Conversely, if you engage in a physical altercation and push someone, it may not be covered because this is considered an intentional and malicious act. A representative at Coastal Premier Insurance Group can provide more details about coverage limitations.

Secondary Insurance

Umbrella insurance acts as a secondary policy to your homeowner’s insurance. Your homeowner’s policy will cover initial damages, such as medical bills. Once the limits of your homeowner’s policy are reached, the umbrella policy will step in to cover additional costs.

Understanding how this liability insurance works and ensuring you have sufficient coverage is crucial to protecting your assets. Contact Coastal Premier Insurance Group today to speak with a representative. We proudly serve the Boca Raton, FL, area.

Have You Removed a Vehicle from Your Commercial Vehicle Insurance?

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If you’re a business owner, one of your key responsibilities is securing commercial insurance. Many company executives have questions about commercial insurance and how it works. If your business is near Boca Raton, FL, our team at Coastal Premier Insurance Group is here to provide the support and guidance you need. We’ve been proudly serving businesses in your area since 1986.

Have You Removed a Vehicle from Your Commercial Vehicle Insurance?

Any vehicles used for business purposes must be covered by commercial vehicle insurance. If your company owns multiple vehicles, changes to your commercial vehicle insurance policy are inevitable. According to the Florida Department of Highway Safety and Motor Vehicles (FLHSMV), when you add or remove a vehicle from your company’s insurance policy, your insurance provider is required to notify the FLHSMV electronically. Keeping your insurance policy up to date is essential.

For instance, if you no longer own a vehicle listed on your policy, FLHSMV advises that you bring the license plates to a motor vehicle service center. Similarly, if one of your vehicles is no longer operable, you can remove it from your commercial insurance policy, but you must surrender the license plates to a motor vehicle service center.

Call Us Today for Your Appointment

As a business owner, the time and effort you invest in your company are invaluable. At Coastal Premier Insurance Group, we recognize that every business has distinct insurance needs. Businesses in Boca Raton, FL, rely on us for exceptional customer support and customized solutions. Call us today to schedule an appointment and let us help you find the right insurance coverage for your needs.

How Umbrella Insurance Shields You from More Than Raindrops in Boca Raton

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Living in Boca Raton, FL, offers daily access to sun-soaked beaches, luxurious homes, and all the amenities of the South Florida coast. Both new and long-time residents can enjoy greater peace of mind by protecting their personal property and belongings with umbrella insurance from Coastal Premier Insurance Group.

What Is Umbrella Insurance, and Why Do You Need It in Florida?

Few things are worse than filing a claim with your insurance company only to discover that your coverage is insufficient to cover property damage, liability claims, or medical expenses associated with a covered peril. Umbrella insurance is a specialized form of coverage designed to supplement existing insurance policies.

Policyholders with auto, home, or condo insurance can benefit from extending the limits of their current policies. Umbrella insurance kicks in when the coverage limits of your primary policies are exceeded, providing an extra layer of protection.

Shield #1: Additional Liability Protection

Boca Raton residents living in affluent coastal neighborhoods can benefit from enhanced liability protection for their homeowners, condo, and auto insurance policies. Extended liability coverage can be invaluable when recovering from theft, vandalism, or natural disasters.

Shield #2: Protect Your Assets from Legal Claims

Umbrella insurance helps safeguard personal assets, business assets, investments, retirement funds, and future wages from lawsuits and garnishments. This added protection ensures your financial security in the face of legal challenges.

Benefit #3: Coverage for Legal Fees

Well-structured umbrella insurance policies can include coverage for legal fees, court expenses, and even judgments. This legal coverage significantly reduces out-of-pocket costs associated with personal legal defense, whether the claims are successful or not.

Don’t wait until it’s too late to extend the limits of your home, auto, or condo insurance policy. Contact the professionals at Coastal Premier Insurance Group in Boca Raton, FL, to request a policy review today!

What Insurance is Required for a Small Delivery Business in Florida?

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When you operate a small delivery business in Boca Raton, FL, a significant part of your day can be spent navigating traffic while delivering items. To protect your business, having insurance to cover incidents is crucial. With a call to Coastal Premier Insurance Group, we can assist you in choosing the right policy to suit your needs.

Type of Insurance for Small Delivery Businesses

In Florida, commercial auto insurance is required for all business vehicles. If you have employees who operate delivery vehicles, you are also required to have workers’ compensation coverage.

Benefits of Insurance Coverage

As a business owner, you want to protect your investment in your business, which includes the goods your company delivers, as well as protecting the employees making the deliveries.

With general liability delivery insurance, your company has coverage for accidents or other unexpected situations. This is important because an accident can result in significant financial losses for your business.

You will also want to ensure the items delivered are insured against loss or damage, theft, and liability claims that may be filed against your business.

With insurance coverage for employees who drive delivery vehicles, you protect your business from a lawsuit if your driver is involved in an accident and cover medical accidents resulting from an accident.

Contact Us

If you want to ensure your small delivery business in Boca Raton, FL has the appropriate insurance coverage, our Coastal Premier Insurance Group team can answer all your questions. Contact us; we can help your delivery business stay on track and protected wherever the delivery route takes you.

Unexpected Liability Risks: Why Umbrella Insurance is a Smart Choice in Boca Raton, FL

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Umbrella insurance is one of the most misunderstood insurance policies on the market. When you live in Boca Raton, FL, you want to make a smart choice regarding protecting your finances. There are going to be unexpected liability risks, and Coastal Premier Insurance Group can show you how to come out on the other end of those risks with an umbrella policy.

Decoding Umbrella Insurance

Umbrella insurance is a form of protection that sits above all of your other insurance policies. It kicks in when your other policy is exhausted, whether it’s home, auto, boat, commercial, or something else.

Every policy you have has a limit. Unfortunately, accidents don’t care about the limits you have in place. If there’s an accident with major medical bills, significant damage, or even lawsuits, you need added financial protection.

How Umbrella Insurance Can Shield You

Let’s assume you have $30,000 worth of liability protection in place on your auto insurance. If the liability totals $50,000, you could be responsible for that remaining $20,000 out of your own personal funds. That’s a lot of money – and one accident could be enough to bankrupt you.

An umbrella policy provides extra financial protection, allowing you to come out on top without exhausting your savings account.

Explore Umbrella Policy Options Today

Whether you have more questions about how an umbrella insurance policy can help you in Boca Raton, FL or you want to start getting quotes, we can help. At Coastal Premier Insurance Group, we’re here to help. Contact us today so that one of our agents can guide you through your questions and get quotes so that you can overcome any unexpected liability risks that life throws at you.

Should My Small Business Have Commercial and Commercial Vehicle Insurance?

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Small business owners must meet their contractual and legal obligations and cover the risks they take. Your commercial insurance policies should match your obligations and fit your risk tolerance. Unfortunately, some small business owners assume their personal auto policy will cover their business vehicle use. The Coastal Premier Insurance Group team, serving the Boca Raton, FL market, can advise you on the commercial and commercial vehicle insurance that will meet your needs.

Commercial and Commercial Vehicle Insurance

Florida small businesses’ insurance needs vary depending on the business type, the number of employees, and whether they use motor vehicles. While many companies use work trucks, delivery vans, or other vehicles, almost every Florida business sometimes uses motor vehicles.

Some small business owners fail to obtain commercial vehicle insurance, thinking their personal policy will cover their business use. However, the owner’s policy does not cover business-related vehicle use, including:

  • Vehicles leased or owned by a business
  • Vehicles that transport work tools or products
  • Vehicles used to make deliveries
  • Vehicles used when driving employees or clients to a business-sponsored lunch

Should a business-related accident result in a significant claim, the insurance company may investigate the claim and determine that your personal policy does not cover a business-related accident. In addition, individual policies typically have lower liability limits than commercial vehicle policies, so you may have inadequate coverage even when the personal policy provides coverage. So, openly discuss your business vehicle use with your agent to avoid unnecessary risk.

Working with the Coastal Premier Insurance Group

The Coastal Premier Insurance Group proudly serves the Boca Raton, FL, individual and business communities. Let us apply our commercial insurance experience to design policies that suit your needs by calling (561) 995-9577 or stopping in today to discuss your commercial insurance options.

Raising Liability Limits vs. Buying Umbrella Insurance: A Cost Comparison

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When individuals in Boca Raton, FL, seek greater financial protection, they often face a choice between raising liability limits on their existing policies or purchasing umbrella insurance. Both options increase coverage, but the cost-effectiveness and scope of protection vary significantly. Understanding the differences can help policyholders make informed decisions based on their needs and budgets. Not everyone will have the same needs, and each individual’s choices will differ, especially when considering the cost of living.

Increasing Liability Limits

Raising the liability limits on an existing policy, such as auto or homeowners insurance, enhances coverage for claims tied to those specific policies. For instance, increasing liability coverage on an auto policy provides additional protection against accidents resulting in significant medical or property damage costs.

While raising limits is straightforward, it can become costly if applied to multiple policies. Premiums rise proportionally with coverage increases, and the added protection remains confined to the underlying policy. For individuals with diverse risk exposures, this approach may lack the broad coverage necessary for comprehensive financial security.

The Value of Umbrella Insurance

Umbrella insurance offers supplemental liability protection that extends across various policies, including auto, home, and rental properties. It activates once the liability limits on the underlying policy are exhausted, providing an additional layer of coverage.

The cost of umbrella insurance is typically lower than increasing liability limits across multiple policies. A single umbrella policy can provide coverage starting at $1 million for a relatively modest annual premium, making it a cost-effective option for those seeking extensive protection against major claims or lawsuits.

Coastal Premier Insurance Group Offers Insurance Policies for Your Needs

Coastal Premier Insurance Group underwrites policies to meet customers’ needs. We serve Boca Raton, FL, and the surrounding cities. Contact us today.

Do Sole Proprietors Need Commercial Insurance?

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Being a sole proprietor is the simplest way to structure a self-employed business. However, this legal structure offers little protection, and you’re unlikely to have much protection from personal insurance policies. Therefore, if you’re one of the many sole proprietors in Boca Raton, FL, you may indeed want commercial insurance.

Understanding the Risks in Florida

As a sole proprietor in Boca Raton, FL, you can be personally liable for any debts or damages related to your business. This means if your business faces a lawsuit or incurs debts, your personal assets — possibly including your home or savings — could be at risk.

Additionally, no business structure offers robust protection for your business itself. If your business is responsible for major property damage or a severe injury, it might be sued regardless of whether it’s a sole proprietorship, LLC, or corporation. Using one of these other structures merely offers you some personal protection.

Protecting Against the Risks

Commercial insurance is available to protect your business against many of the risks it faces. In doing so, a commercial insurance policy can offer you greater personal protection. Although the insurance is for your business, you’re less likely to be personally sued if a settlement is covered by commercial insurance.

There are many types of commercial insurance you might consider. General liability insurance, commercial property insurance, and product liability insurance are a few of the things that we at Coastal Premier Insurance Group often see sole proprietors get. Which you should have depends on the particular services or products you offer.

Find the Commercial Insurance You Need in Boca Raton

If you’re a sole proprietor in Boca Raton, FL, let Coastal Premier Insurance Group help you find the commercial insurance you need. Contact us today to speak with an agent.

How Umbrella Insurance Gives You More Liability Coverage

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Protecting Your Assets with Umbrella Insurance

If you own a home and a vehicle, having substantial insurance on both is pivotal to protect your assets. The issue lies in the fact that home and auto insurance policies often offer limited liability coverage. However, this problem can be resolved by acquiring umbrella insurance. For more information on how this coverage can shield you financially, please get in touch with us at Coastal Premier Insurance Group in Boca Raton, FL.

Liability Coverage for Two Policies

Umbrella insurance goes beyond providing liability coverage solely for an accident in your home or car. It substantiates both policies, providing an extensive range of coverage with extremely high maximums applied to both of your insurance policies. Whether there’s an accident in your vehicle or if someone gets injured in your home, the policy will bear the expenses such as medical bills that may arise post-accident.

Covering Outstanding Bills

Umbrella insurance operates as a secondary coverage following the primary policy. Your home or auto insurance is the first policy that will step in when an accident occurs. This policy covers the resulting bills until they reach their limit. If there are still bills, your umbrella policy will handle them afterward. This spares you from dipping into your own pocket to cover the surplus, which can be immensely high after severe accidents. There may be many bills to pay, including continuous ones like physical therapy costs post-accident, which your umbrella insurance can take care of.

Acquire Umbrella Insurance

If you haven’t secured umbrella insurance yet, we’re here to assist you. Simply contact us at Coastal Premier Insurance Group in Boca Raton, FL.