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

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Do Home Businesses Need Commercial Insurance?

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A home business is a wonderful thing, and for the most part, it is going to be a great deal of work with benefit and reward. The real issue comes when you try to work out how to protect your home business. For those that live in the Boca Raton, FL area, the agents with Coastal Premier Insurance Group can help you to find the right policy for your growing home business.

How does commercial insurance work for a home business?

To put things quite plainly, most home businesses are not large enough and do not deal with people face to face on a large enough scale to worry about having a separate commercial policy. The real determinant is the size of your business, the volume of customers that you deal with, and the overall value of your business. If you have a small business where you sell things on the internet from your home, your homeowner’s policy is going to cover the cost of your inventory and your computers that you use for work.

If you have people come into your home, you may want to consider a separate policy to protect against things like injury and other issues that you may come up against. If you have a home business that is larger than say a few thousand dollars in worth, you may also want to consider a policy. The real benefit of a commercial policy is that it is going to help protect your assets like your home if a lawsuit or other legal action is filed against you. It also helps to protect employees if you have any and helps to protect inventory if you have large amounts.

For those in the Boca Raton, FL area, the agents with Coastal Premier Insurance Group can help you get the perfect insurance coverage for your home business.

Understanding Whether Umbrella Coverage Would Work for You

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For additional coverage above your car or home insurance limits, consider buying an umbrella policy to cover high legal fees, as well as personal injury and property damage claims. Your Coastal Premier Insurance Group agent in Boca Raton, FL can help you determine if an umbrella policy will work for you.

When Would You Need Umbrella Insurance?

If you worked your whole life to build up a sizeable nest egg, you have assets worthy of additional protection. Don’t risk losing the home you worked hard to pay off. Instead, consider an umbrella insurance policy. Remember, all it takes to wipe you out is one guest falling down your stairs or a car accident you cause that results in extensive injuries or damage.

What Umbrella Insurance Covers

Your Coastal Premier Insurance Group agent can walk you through each of the available umbrella policies to see which ones are right for you.

Bodily Injury- If you cause an accident that hurts someone and the medical bills go beyond what your auto insurance will pay, an umbrella policy may cover the rest. It picks up where your home, auto, and other insurance stops, providing you with a broad safety net of additional coverage.

Property Damage- If your teenager crashes through someone’s fence and skids into the neighbor’s house, an umbrella insurance policy pays what your auto insurance doesn’t. The policy also covers damage that isn’t included in auto and homeowners policies. If your beloved Chihuahua shreds priceless furniture at the neighbor’s dinner party or your child damages a rare collectible, an umbrella policy may pay the damage. It is important to speak with an agent to learn exactly what can be covered.

Other Damages- An umbrella insurance policy covers judgments against you for libel or slander. It can also pay for false arrest, violation of privacy, and other civil charges.

Legal Fees- An umbrella insurance policy may take care of legal fees as well as court costs if you lose a court case.

Contact your Coastal Premier Insurance Group agent in Boca Raton, FL to schedule an appointment for a quote and to answer all your questions.

Should You Ever Decrease Your Home Insurance Coverage?

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Is decreasing your home insurance a good idea?

A lot of homeowners have questions about home insurance policies and the policy limits they include. One of the questions that we at Coastal Premier Insurance Group, serving the greater Boca Raton, FL area, are often asked is whether you should ever decrease your home insurance coverage.

First and foremost, if you still owe money on your home, you may be unable to decrease your home insurance coverage. Always check with the lender to determine how much home insurance they require you to carry as part of your loan terms. 

If you do not owe any money on your home, you may be able to decrease your home insurance coverage. However, it is strongly recommended that you determine the value of your home and the value of the belongings contained inside of the house. You want to be sure that even after you decrease your coverage, there is still enough insurance to cover both inside and out. This helps protect you against a catastrophic loss, for example, if a fire sweeps through your home. If you carry less insurance coverage than the cost of your home and belongings, you will have to pay out of pocket the difference between what your insurance covers and the cost to rebuild your home or replace your belongings. Most people do not have this kind of money lying around, which is why having the right insurance coverage is so important.

If you are looking for a new home insurance policy or are wondering if your coverage amount best meets your needs, contact Coastal Premier Insurance Group serving the greater Boca Raton, FL area. We can help you determine how much coverage you need and then put together a policy that is ideal for you. Call us now to get started and have your questions answered. Also, try our online rating tool for quotes on home and auto insurance. 

Is Commercial Insurance a Necessity for Businesses?

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No commercial insurance is not a necessity, and this is why many businesses do not invest in it. It is a type of insurance that all businesses should look into. With the right policy, you can be well on your way to having peace of mind in knowing that all aspects of your business are adequately protected. Let’s take a closer look at what commercial insurance is and why you should invest in a policy at Coastal Premier Insurance Group in Boca Raton, FL.

Why Commercial Insurance?

If you are concerned with mitigating the risk of having ownership in commercial property, then you should carefully consider the advantages of commercial property insurance. Many different disasters can occur at any time, wiping out your entire business (like fire and storms). With the right commercial insurance policy, you can sleep better at night knowing you are protected. 

Did you know that commercial property insurance is tax deductible?

That’s right! Any money that you invest toward a commercial insurance policy can, in fact, be deducted off your taxes owed once tax season rolls around. You are earning back money for investing in coverage for your company. It’s a win-win! Also, if you have to make a claim on your commercial property insurance, the funds that you receive can be deducted from your taxes as well. It is important to speak with an insurance agent or the IRS before going this route.

There are many reasons for you to think about investing in a commercial insurance policy for your business. If you have questions about this type of insurance, please do not hesitate to reach out and contact the Coastal Premier Insurance Group serving the Naples, Port Charlotte, and Boca Raton, FL area. Our agents can help you find the insurance policy you need for your Florida business.

Umbrella vs. Shopping Around for More Robust Policies

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Umbrella insurance sounds like a good idea but it might not be right for everyone. Before signing an umbrella package, you’ll want to look at what it can offer you. If you are unsure of what to do in your situation, talk with our agents for guidance at Coastal Premier Insurance Group.

You have to consider that there are some things that umbrella packages will not cover in Boca Raton, FL or anywhere else for that matter. For instance, you’re going to have a hard time finding an umbrella package that includes a policy to protect you from liability claims against your business. Umbrella coverage may be a great option to build a foundation for your business. It can cover against personal claims and property damage, but a business has many insurance needs. Even with an umbrella plan in place, you’ll need to make sure that your existing business insurance policies do not leave you coming up short to cover the damages.

Furthermore, you still need to have basic coverage in place for your home, your auto, and so on. Umbrella is not an all-in-one policy so much as a "just-in-case" plan to lean on should you need to make a claim for damages that exceed your existing coverage.

That said, the deal you can get on an umbrella plan vs. paying for higher premiums on a half dozen individual policies can be significant. Ultimately, the umbrella policy will help. Instead of buying a series of robust policies, you buy one plan that offers additional coverage to all of them.

An umbrella policy is there to put the extended limits on your current policies. It goes the distance when you reach your policy limits. Talk with an agent at Coastal Premier Insurance Group in Boca Raton, FL to learn more about what an umbrella policy can do for you.

What to Do If You Believe You Have Roof Damage After a Summer Storm

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Summer storms are just part of living here in Boca Raton, FL. However, if you believe your roof has suffered damage after severe weather, there are three important steps you should take. Review this list from our knowledgeable and friendly team at Coastal Premier Insurance Group.

Step #1: Visually Inspect for Damage and Mitigate Any Future Damage

The first thing you need to do, if you believe your roof has damage, is to inspect it visually. Note any spots where shingles are lifting or any areas of large damage. You also have a duty to mitigate further issues or leakage until repairs, which means getting the spots covered with tarps or other methods.

Step #2: Contact Your Boca Raton, FL Insurance Agent

The next step is to contact your homeowner’s insurance agent. From there, you will be able to determine your coverage, find out your deductible, and ask any questions you may have. After a claim is filed, an experienced adjuster will likely come out to your home to look at the damage.

Step #3: Find an Experienced Contractor to Handle Repairs

The next step in dealing with roof damage after a summer storm is to find an experienced roofer to handle the repairs. In some cases, your insurance agent or claims adjuster may be able to make a recommendation, or you can check with your local registrar of contractors.

Also, beware of contractors who go door-to-door after severe weather and those who cannot provide proper licensing credentials. Many homeowners have seen themselves swindled by criminals looking to make a quick buck. Instead, protect yourself by always asking for testimonials from past clients and about their experience before signing any contracts.

Are you ready to discuss your Naples, Port Charlotte, or Boca Raton, FL homeowner’s insurance policy? Contact our team at Coastal Premier Insurance Group today to schedule your no-obligation appointment. We are also here to answer any questions or concerns you may have about your policy. Also, try our online rating tool to get quotes for your home and auto insurance policies.

How Commercial Insurance Can Protect Your Business

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There are many factors that go into being a business owner in Boca Raton, FL, including having the proper commercial insurance for protection. Commercial insurance is for businesses and protects companies financial interests. There are many ways that commercial insurance from Coastal Premier Insurance Group can protect a business. Some may include:

Theft Protection

What happens if someone breaks into a business in the middle of the night? With the proper theft coverage written into a policy, the business owner is covered from losses. Some theft coverage policies have deductibles to be met before coverage begins, so check with your insurance agent to tailor a policy for your business needs.

Liability

This coverage protects the company if a third party (Customer, Vendor, etc.) is injured on work premises. These policies also protect against any damage to an individual’s personal property. For example, if a customer’s car is damaged by an awning collapse, the damage to the vehicle would be covered under a liability policy. 

Property Damage

This type of insurance coverage takes care of damage to buildings or property that occur due to any unforeseen circumstance. Most people think of fire and flood, but a business can be damaged from anything from a car careening out of control and hitting the business, to damage resulting from weather. 

Injured Employee

Worker’s Compensation is a type of commercial insurance that many don’t realize. In the event that an employee becomes injured on the job, this type of coverage ensures that the employee continues to receive a portion of their wages. In addition, they will have coverage for medical bills related to the injury.

For business owners in Boca Raton, FL, contact Coastal Premier Insurance Group today for your Commercial Insurance needs. We can help you find the policy that is right for your business. Reach out to us by phone or drop by our office for answers to questions and policy details.

Does Car Insurance Cover Passengers in the Event of an Accident?

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Auto insurance is something of a mystery to many people, and they often find themselves wondering what an auto policy covers. It is fairly obvious that it is going to cover your car and you in the event of an accident but does it cover passengers? If you live in the Boca Raton, FL area, the agents with Coastal Premier Insurance Group can tell you exactly what every policy covers.

A liability policy is put in place to protect the drivers of both cars involved and their passengers. Even the most basic liability policy is going to have some form of coverage for passengers within the car at the time of the accident. This is a built in fail-safe; it will help make sure that if you get into an accident, your passengers are not going to be left high and dry when it comes to paying for their medical expenses.

Many times, the state that you live in will have specific liability limits that your policy must reach in regards to covering you, the other driver, and any passengers that might be in the car at the time of the accident. In most cases, the amount of liability coverage for passengers is pretty standard with a minimum per passenger. You can always take out larger policies if you need to as well.

A full coverage policy is going to cover a larger sum and help to pay for pretty much every bill that the passengers have in the event of an accident. For you to legally drive your car, you need to take the time to make sure you have all the necessary insurance. The agents with Coastal Premier Insurance Group in the Boca Raton, FL area can answer any questions you might have about your auto insurance policies. Drop by our office or give us a call today.  

Secure your Boca Raton home with the right home owners insurance

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Buying your first home in Boca Raton, FL can be exciting, but protecting the home that you love is and should be priority. Our agents at Coastal Premier Insurance Group understand how important your home is which is why it is our mission to deliver top quality home insurance.

If you are moving into your home and haven’t considered how you will protect it from unforeseen incidents like burglary, weather disasters, or fires, allow our agents to provide you with the information you need to make the best choice for you and your family. Whether you’re worried about Florida hurricane season or break ins, we will pick the right insurance for you.

At Coastal Premier Insurance Group, we understand how difficult or complicated it can be to choose the ideal home insurance for your home. After all, this is the net that will ultimately catch you and your family in some of the most vulnerable times of your life. Our agents will walk you through the process and answer your questions and address your concerns. We make it our priority to ensure that the process of choosing home insurance is seamless and as simple as possible. Your home is more than just a place to provide shelter. Ensuring it’s safety means ensuring the safety of your property and family.

It’s never too soon to choose a home insurance policy to protect the place you call home, your precious possessions, and your family that you love. Jot down your questions, concerns, and what you want from your home insurance and bring it in to our office in Boca Raton, FL. Our agents at Coastal Premier Insurance Group will carefully guide you through the selection process. Give us a call to set up an appointment or for quotes on your home insurance, visit our website where you can try our online rating tool for quotes on your home. 

A Parent’s Guide to Buying Auto Insurance for a Teenager

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Being the parent of a teenager is sometimes a challenging experience. As if this weren’t already stressful enough, your teen is starting to drive and now you have to start thinking about car insurance. Don’t stress out too much. There are several things you can do to make the process easier, save money, and ensure your teen is fully protected. 

Focus on Academics

Make sure your teen is focused on their academics. One way to keep insurance costs lower is to qualify for discounts. If your teen maintains a higher GPA, they may qualify for a good student discount. Just remember that they must maintain their grades as some insurance providers may require periodic verification to show that they still qualify for the good student discount.

Invest in a Driving Course

Consider investing in a driving course for your teen. These courses equip drivers with the skills they need to stay safe on the road. In terms of insurance companies, successful completion of these courses will often result in a discount, and in terms of your teen’s safety, their knowledge can help reduce their risk for an accident by teaching them to be defensive drivers while navigating through Boca Raton, FL.

Research Policy Options

Don’t solely focus on the idea of getting a separate policy for your child because you think it will keep costs lower. In some instances, this is the case. However, with some scenarios, a separate policy can introduce coverage gaps that can increase your teen’s liability, which ultimately becomes your liability. Coastal Premier Insurance group wants to guarantee you are confident when it comes to your teens auto insurance because accidents do happen.

Coastal Premier Insurance Group agents servicing Boca Raton, FL can assist you with these steps and many others to ensure you are paired with the right policy to suit you and your family’s needs.