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Atlantis Insurance Inc

2753 Vista Parkway Suite J3,
West Palm Beach, FL 33411

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For-Hire Trucking Insurance Explained

Protect Your Trucking Business in West Palm Beach, FL

At Atlantis Insurance Inc., we understand that your truck is not just a vehicle. It forms a substantial part of your livelihood. If you’re a for-hire trucker, you might believe that the companies for which you haul supply adequate insurance for your rig. However, that isn’t necessarily the case.

Understanding Primary Liability Coverage

Often, companies offer their for-hire truckers primary liability insurance, which covers injuries and damages to other vehicles and drivers in the event of an accident. As a truck driver, you are legally required to have at least $750,000 worth of coverage. Primary liability insurance includes two components: bodily injury and property damage coverage. But remember, not all companies are obliged to offer primary liability, and it’s always a good idea to check with yours.

What Should a For-Hire Trucker Do?

First, inquire about the extent of insurance coverage provided by your employer. If you work exclusively for one company that provides primary liability insurance, you may still want to consider the following additional coverage types:

  • Physical Damage
  • Medical Payments
  • Uninsured/Underinsured Motorist
  • Motor Truck Cargo

Various insurance types are available for for-hire truck drivers in West Palm Beach, FL. Leaving yourself underinsured could terminate your trucking business and expose you to expensive lawsuits if an accident occurs. If you’re unsure about primary liability or identifying other coverage types you might need, Atlantis Insurance Inc. is here to help.

Ensure Complete Coverage with Atlantis Insurance Inc.

Don’t gamble your livelihood! Contact Atlantis Insurance Inc. today, and let us guide you toward a comprehensive trucking policy that meets your unique needs. Your future could depend on it!

Auto Insurance Basics to Know Before You Get Your First Policy

Getting your first auto insurance policy can be exciting since it probably means you’re just now getting your first car or your ability to drive. Working with an industry professional at Atlantis Insurance Inc. servicing West Palm Beach, FL can help.

We’re happy to give you the information you need to find the right auto policy. Below are a few things that can help you as you shop for your first car and get your first license. 

Auto Insurance Is Required to Drive Off the Lot

If you’re buying a car, you’ll need a policy to drive that car off the dealership lot. You can buy a vehicle before getting an insurance policy, but you’ll need proof of insurance before the dealer provides you with keys. Many dealerships will allow you to show digital proof of your insurance, or you can have your insurance company fax the policy to you at the dealership. 

Full Coverage Is Required If You’re Getting a Loan

If you’re getting an auto loan, the bank will most likely require you to get full coverage for the vehicle. This helps protect the bank if you get in an accident before the loan is paid off. When the loan is paid off, you can change your coverage to a liability-only policy if that is your preference. 

Liability Insurance Is a Legal Requirement for Driving

Even if you aren’t required to get a full coverage policy, you will need to have liability insurance to drive on the roads. This is a requirement by law.

Have more questions? Call Atlantis Insurance Inc., servicing West Palm Beach, FL, to learn more about your first auto insurance policy. 

Anchor Your Peace of Mind: Boat Insurance for West Palm Beach Boaters

Nothing is better than knowing that your most prized possessions and assets are protected. Read on to learn how to anchor your peace of mind with boat insurance protections from Atlantis Insurance Inc! 

Why You Should Protect Your Floating Investments with Boat Insurance in West Palm Beach, FL

Florida boaters understand the joy and tranquility that come along with navigating the state’s many boater-friendly waterways and marinas. However, even seasoned boaters know that the likelihood of a mishap is always present when cruising open waters. 

More boaters are turning to boat insurance to protect their floating investments against unexpected perils like boating accidents, property damage, and boating liability claims that could wipe out your finances without adequate insurance. 

Florida boat insurance can cover various floating vessels, from watercraft to luxury yachts. Each craft has unique insurance considerations that you can discuss with a trusted insurance agent. 

Get Boat Insurance in West Palm Beach! 

In many cases, boat insurance in Florida is not optional but mandatory. Local marinas, yacht clubs, and public docking facilities often require boaters to have adequate insurance coverage to protect the interests of the facilities, other boaters, and boat owners alike. 

Please don’t wait until it’s too late to protect your vessel with comprehensive boat insurance that can cover both collision and non-collision-related boating incidents! 

The insurance experts at Atlantis Insurance Inc. in West Palm Beach, FL can walk you through the intricacies of selecting the best boat insurance to cover your vessel.

Licensed and friendly insurance agents can talk to you about the benefits of boating insurance and provide you with a free custom quote based on your individual circumstances.

A Restaurant’s Guide to Commercial Insurance for Liabilities

Operating a restaurant in West Palm Beach, FL, has unique risks and responsibilities, especially concerning liabilities. Understanding the different types of commercial insurance liability coverages is crucial for restaurant owners to protect their businesses from legal and financial issues. Here are some your restaurant may need.

General Liability Insurance

This is the cornerstone of a restaurant’s liability protection. It usually covers common risks, including customer injuries on your premises (like slips and falls) and property damage caused by your operations. This is a coverage that almost every restaurant should have.

Product Liability Insurance

Given that restaurants deal directly with food products, product liability insurance can be needed. It usually protects against illnesses or injuries caused by the food served, covering legal fees and settlements resulting from foodborne illness claims or similar issues.

Commercial Umbrella Insurance

Umbrella insurance is an extra layer of protection over your existing liability policies. In cases where a claim exceeds the limits of your other liability coverages, a commercial umbrella policy can provide additional financial security.

Hired and Non-Owned Auto Insurance

For restaurants offering delivery services in West Palm Beach, FL, hired and non-owned auto insurance offers specialized auto coverage. It usually protects against liabilities arising from accidents in vehicles not owned by your business (like employees’ personal vehicles). The latter is important when making deliveries. We at Atlantis Insurance Inc. can help find this type of specialized protection.

Tailoring Insurance to Your Restaurant’s Needs

Each restaurant has unique needs based on its size, location, and services offered. It’s important to use these factors to determine appropriate coverage levels and additional protections that may be necessary.

For help understanding what liability insurance coverages are important for your restaurant, contact us at Atlantis Insurance Inc. 

Does my homeowners insurance cover flooding?

Florida is a real potential concern if you live in the Sunshine State. Unfortunately, your West Palm Beach, FL homeowners policy probably does not cover flooding. That does not necessarily mean you can’t get the protection you need. At Atlantis Insurance Inc., we can help give you the information you need to make the best choice for you and your family.

Is It Important Whether You Are In a High-Risk Zone?

There are some areas of Florida which are much higher risk than others. If you live in a high-risk area and have a federally regulated or insured mortgage, you will be required to purchase flood insurance.

If you do not live in a high-risk area, you are still vulnerable to flooding if you live in Florida. People at moderate risk make up a significant number of filed claims, and even those in a lower-risk area may still experience flooding from hurricanes.

Don’t Wait To Get Flood Protection

If you wait until too late to purchase flood insurance, your policy will not cover your current damages. There is normally a 30-day waiting period before your policy officially takes effect. There are some exceptions, but you cannot wait until you actually experience flooding to purchase flood insurance.

If you don’t have flood insurance, a flood could mean disaster for you and your family. Any damages caused by flooding will be your responsibility, even if your entire home is destroyed. 

Schedule A Consultation Today

Luckily, flood insurance is surprisingly affordable. Your premium cost will depend on several risk factors, such as the age of your home and your location. If you have any questions about your current level of protection for your West Palm Beach, FL home, please call Atlantis Insurance Inc. today.

Will condo insurance pay for the repair or replacement of the burst pipes in my kitchen?

Condo owners can protect their belongings just like homeowners can. Condo owners own the interior of their condo but not the exterior. They are responsible for the interior portion of their homes/condos. Our team at Atlantis Insurance Inc. is committed to helping West Palm Beach, FL condo owners get the coverage they need.

What is Condo Insurance?

Condo insurance is much like homeowners’ insurance. It is designed to provide coverage for personal liability, losses, repairs, and protection from fire, theft, vandalism, and water damage for your condo unit. Condo insurance also covers your personal belongings, liability claims against you, and other expenses.

The condo association is responsible for the maintenance and coverage of the exterior of your condo unit. You pay a condo fee to cover the upkeep and repair of the exterior areas of the condo. The condo fee provides coverage for any exterior issues, damage, or improvements for all the areas "outside" of your condo unit. In essence, a condo fee is almost like an insurance fee for the upkeep of the exterior areas of your condo.

Will condo insurance pay for the repair or replacement of the burst pipes in my kitchen?

Yes. Condo insurance provides protection from water damage from your water heater, plumbing, HVAC system, and appliances. However, the damage must be accidental and not the result of normal wear and tear. The exact provisions and eligibility of your condo insurance thoroughly outline the guidelines of your policy. Anything that isn’t covered will be explicitly outlined. Anything that isn’t clearly outlined in your policy can be directed to your insurance agent.

Consult With Us

If you have questions about condo insurance, call us at Atlantis Insurance Inc. in West Palm Beach, FL. We’d be happy to help you explore all of your options and get the coverage that’s best for you.

Start Your Own Trucking Business: A Step-by-Step Checklist

Ready to start your own trucking business? This step-by-step guide walks you through the tasks involved from idea to launch.  Atlantis Insurance Inc. in West Palm Beach, FL is here to help. 

Starting Your Own Trucking Business

  1. Draft your business plan. You can find free business plan templates by searching online and then working through each section thoughtfully. As you draft your business plan, you’ll have the opportunity to create a mission statement, forecast your first-year financials, and set goals for your first few years in business.
  2. Seek funding. You’ll need a business plan finalized before you can seek funding, and your business plan will help you better understand start-up costs and how much funding you might need. Now that it’s done, you can begin to secure funding. 
  3. Choose and register your business name. Select a business name that reflects your mission. 
  4. Choose a business structure. Meet with a CPA, Tax Accountant, or Business Attorney to select the best structure for your business – limited liability company (LLC), sole proprietorship, corporation, etc. 
  5. Register your business. Once you have a business name and structure established, you can register your business. The registrations required for you will depend on local law, but generally speaking, you’ll check with your County Tax Collector, register with the Florida Department of Revenue, and register with the IRS. 
  6. Secure insurance. Before you begin doing business, it’s critical to secure insurance that will adequately protect you in case of loss. At a bare minimum, trucking companies need commercial auto insurance and commercial general liability insurance. Schedule an appointment with your local agent to better understand what you need. 

To learn more or get an insurance quote for your new trucking business, stop by Atlantis Insurance Inc. in West Palm Beach, FL today. 

Can My Auto Insurance Rate Increase For An Accident That Was Not My Fault?

At Atlantis Insurance Inc., providing residents in the greater West Palm Beach, FL area with auto insurance, one of the questions that we are frequently asked is whether a car insurance company can increase rates for an accident that you were involved in but were not at fault for. 

Can My Auto Insurance Rate Increase For An Accident That Was Not My Fault?

Your insurance company will base your premiums on many factors. As such, they may decide to increase your rate, even if an accident was not your fault based on:

Previous Claims or Driving History

While the specific accident may not be your fault, if you have a history of filing multiple claims or have a poor driving record, including traffic violations or previous accidents, your insurance rate could be affected. Insurance companies consider your overall risk profile when determining premiums, so a history of accidents or claims could still result in rate adjustments.

No-Fault States

In some states with no-fault insurance systems, each driver’s insurance company is responsible for covering their own policyholder’s damages, regardless of fault. In these cases, your insurance rate might increase due to the overall claim costs and expenses associated with the accident, even if you were not at fault.

Policy Conditions

Your insurance policy may contain specific conditions or clauses that allow for rate adjustments, regardless of fault. It’s essential to review your policy to understand the terms and conditions related to rate adjustments and accident forgiveness.

We Can Help!

If you are looking for a new auto insurance policy, the team at Atlantis Insurance Inc., serving West Palm Beach, FL. can help. Give us a call today to learn more.

Benefits of a Boater Safety Course

West Palm Beach, Fl residents may be eligible for savings on their insurance policy when they take a boater safety course. Your Atlantis Insurance Inc. representative can go into greater detail on what options may be available to you. 

Benefits of a Boater Safety Course

Florida law requires that persons born after 1988 must obtain boater safety certification to operate a vessel that travels at ten or more horsepower unless for use on a lake or pond held for private use. 

In the state of Florida, it has been found that 85% of accidents involving fatalities occur with operators who have not completed a boater safety course. Simply put, this training saves lives. 

Weather conditions can sometimes change on a dime, and the proper instruction can help you navigate dangerous situations. Whether you encounter high winds, strong waves, heavy rain, or hail, it is vital to understand your role in managing your watercraft safely. Visibility can also be severely limited when storms come in, and it’s essential to be able to read the signs before embarking. 

You will also learn vital information regarding engine maintenance and the proper care of your boat. You are held responsible under the law for the wake your vessel creates, as this can harm other boats or even injure people who are nearby on land. 

In addition, you must adhere to the rules of etiquette for interacting with other boat traffic, and this is made easier when all are informed of the rules of protocol. 

Atlantic Insurance Inc. Can Help 

We pride ourselves on offering excellent insurance packages to meet our clients’ needs, and we serve those residing in the West Palm Beach, Fl area. Reach out to us today online, by phone, or stop into the office for a consultation. 

Tips to prepare your business for a storm

Preparing your business for a storm here in the West Palm Beach, FL area can seem like an overwhelming task, but it doesn’t have to be! With the right planning and preparation, you can be prepared for anything Mother Nature throws at you.

Here are some tips from us at Atlantis Insurance Inc. to help you prepare your business for a storm:

1. Assemble an emergency kit

Make sure you have all the necessary items in place such as flashlights, batteries, first aid kit, bottled water, food, and other supplies to sustain yourself and your employees in case of an emergency. It’s important to keep these items updated and replenished as needed. 

2. Have an evacuation plan

In case of severe weather conditions or power loss, it’s important to make sure everyone knows where they should go and what their duties are in case of evacuation. Make sure all staff members are familiar with the plan ahead of time so they know how to act if necessary. 

3. Secure your property

If possible make sure loose items such as outdoor furniture or decorations are secured or stored away safely before a storm arrives to prevent damage or injury from flying debris. 

4. Keep communication open

Make sure you have multiple ways to communicate with employees in case of an emergency situation such as text messaging, emails, phone calls or social media updates. 

5. Monitor weather forecasts

Stay up-to-date on current weather conditions and forecasts so that you can anticipate possible adverse effects from storms and take proper action if needed. 

Reach Out To Us

For more tips, give us at Atlantis Insurance Inc. a call today. We are proud to serve the West Palm Beach, FL area.

Partner Carriers


  • Adriatic
  • Clear Blue
  • Continental Divide
  • Edison
  • Florida Peninsula
  • Infinity
  • LLoyds
  • National Indemnity
  • Northland
  • Progressive
  • Safe Harbor
  • State National