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

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Why Everyone Needs Flood Insurance

Flood insurance is exactly what it sounds like- coverage against flooding in your home. A flood insurance policy is not something that many people think about until it’s too late. This type of insurance is often ignored because many people believe that their home insurance will cover them in the event of a flood. However, it won’t. Home insurance doesn’t cover floods, and without flood insurance, you would have to pay for the extensive repairs that you would need after a flood.

To get started with flood insurance, call us at Atlantis Insurance Inc in West Palm Beach, FL.

Why Flood Insurance?

The National Flood Insurance Program

There is a U.S. program called the National Flood Insurance Program that backs all of the flood policies that are issued. The program is there to provide this important insurance to those who need it, and virtually everyone should have it. It’s especially important in Florida to have this coverage in case of floods. The program controls the price of its flood insurance so that it always costs the same no matter where you get this coverage. 

Flood Zones

There are specific flood zones that are declared as being most likely to have flooding. Many people inside those zones are required to have flood insurance by their lender or by their district. About 80% of all flood claims come from these zones. However, that means that one in five of them comes from outside of these zones. That’s why everyone should have this insurance to mitigate their risk of floods and the damage they can do. 

Get Your Flood Insurance

It’s important to have flood coverage in every part of Florida in case of certain weather events such as hurricanes. When you need flood insurance, call us at Atlantis Insurance Inc. in West Palm Beach, FL.

4 Key Areas Covered by Condo Insurance

You probably contribute to the HOA policy, so you may ask why you need condo insurance. Well, your HOA policy mainly covers damage to your condo’s exterior and liability claims occurring in shared spaces like the lobby and swimming pool. However, for losses incurred in your condo’s interior, that’s your responsibility, and that’s where condo insurance comes into play.

Atlantis Insurance Inc. in West Palm Beach, FL can help you navigate this vital coverage.

What does condo insurance cover?

Personal property

Your condo wouldn’t look as homely as it is if it were not for the electronics, furniture, and other assets. But since your personal assets are at risk of damage or loss from perils like fire and theft, it’s a good idea to invest in condo insurance. This coverage compensates you for the loss or damage to your assets.

Liability coverage

Condo insurance covers you and the persons living in your house when accused of bodily injury or property damage by others. For instance, condo insurance can come to your rescue when your dog bites someone or your son throws a soccer ball and damages your neighbor’s window.

Loss of use

If your condo is rendered unlivable by a covered risk, condo insurance can cover additional living expenses, including pet boarding, transport, accommodation, and meals. This support continues until your condo becomes livable again.

Interior walls

Depending on your HOA policy, your condo insurance can be designed to cover damage to your condo’s interior, including the walls and built-in cabinets. Condo insurance reimburses you for the damage up to your coverage limit.

Get Condo Coverage Today

Protecting your condominium with condo insurance is one of the best investment decisions ever. While condo insurance doesn’t prevent perils, it cushions you financially when the unexpected strikes.

Want to invest in condo insurance in West Palm Beach, FL? Contact us today at Atlantis Insurance Inc. to start the conversation.

The Risks of Not Having Trucking Insurance

If you’re a truck driver, you know that having trucking insurance is not only important but required by law. But what happens if you don’t have trucking insurance? Our experts at Atlantis Insurance Inc. West Palm Beach, FL can assist you with this important insurance coverage. 

Here are some of the risks you face if you choose to operate without this coverage:

You Could Be Fined by the DOT 

If you’re caught driving without trucking insurance, you could be fined by the Department of Transportation (DOT). The DOT takes uninsured trucks very seriously, and they have the authority to put your company out of business if they catch you operating without the proper coverage.

Your Cargo Could Be at Risk 

If your cargo is damaged or stolen while in transit, you could be held financially responsible if you don’t have trucking insurance. This is because cargo insurance is not required by law, but most shippers will not do business with carriers who don’t carry this type of coverage. As a result, if something happens to your cargo and you don’t have insurance, you will have to pay for the damages out of your own pocket. 

You Could Lose Your License 

In addition to being fined by the DOT, you could also lose your commercial driver’s license (CDL) if you are caught driving without trucking insurance. Depending on the state where you are caught, your CDL could be suspended for a period of time or even permanently revoked. Losing your CDL would mean losing your livelihood, so it’s definitely not something to take lightly. 

You Could Go Out of Business 

Perhaps the biggest risk of all is that you could go out of business entirely if something happens and you don’t have trucking insurance. This is because one major accident could easily bankrupt an uninsured carrier. If this happens, not only will you lose your income, but everyone who depends on your company for their livelihood will be out of a job as well. 

Get Trucking Insurance Today

The risks of not having trucking insurance are simply too great to justify operating without this vital coverage. Contact Atlantis Insurance Inc. in West Palm Beach, FL today to get the trucking insurance you need to protect yourself, your cargo, and your business.

Reasons You Need Auto Insurance

Many people try to save as much money as they possibly can. They look at where they are spending money and look for ways to cut back. One thing that they may be thinking about is getting rid of their automobile insurance. However, that could be a big mistake. Consult with us at Atlantis Insurance Inc. in West Palm Beach, FL to learn more about your options.

Here are some reasons that you need to have auto insurance:

It is the law

Most states require you to have some sort of auto insurance before you get behind the wheel. If you get pulled over without insurance, you could be in trouble. 

If you are at fault, it will help pay for the damage to their vehicle, as well as their medical bills

Since most people are unable to pay for vehicle damages and medical bills, your insurance company will pay for you.

It will also pay for property damage

If you damage a fence or shed, your insurance will help to cover these costs. 

If you aren’t at fault, you want to hope that the other person has insurance

You are going to rely on their insurance company to cover the damage to your vehicle, as well as your medical bills. 

Your lender may require it

Many lenders want to make sure that they are protected, so they require a certain amount of insurance for a vehicle. They just want to make sure that it will be fixed if something happens. 

You should have insurance because your state requires it. Your lender may also require it. However, it can also save you from expensive bills if you are at fault for an accident. 

Give Us A Call

If you want to make sure that you are fully protected, don’t hesitate to contact us today at Atlantis Insurance Inc. in West Palm Beach, FL. 

Required Commercial Insurance for Businesses in Florida

When you own a business in Florida, there are some types of commercial insurance that you may be required to have. It’s important to know about the required commercial insurance policies in Florida so that you know whether you need one to keep operating legally. When you need any type of commercial insurance, call us at Atlantis Insurance Inc. in West Palm Beach, FL to find out more. 

Required Commercial Insurance

Workers’ Compensation Insurance

In Florida, it is required that businesses with at least four employees must have workers’ compensation insurance. This is required for part-time as well as full-time workers. If your business is a construction business, you must have this insurance for all employees, even if you have only one. This type of insurance policy will pay for the medical bills that are due after a worker has an injury while working or contracts a work-related illness. This can save your company a lot of money in medical bills, and it often means that there is no reason for an employee to sue for their injuries. 

Commercial Auto Insurance

If your business owns a vehicle, state law requires that you have a commercial auto insurance policy on it. This will cover any costs associated with accidents that happen with that vehicle. There are minimum amounts of coverage that you have to have with these policies. There is an amount that is required for property damage liability for an accident and another amount required for personal injury protection. PIP pays for your medical costs after an accident. The amounts required are very low when compared to other states, and it’s generally recommended that you get more coverage than the minimum required amount. 

Cover Your Business

When you need commercial insurance for your business, call us at Atlantis Insurance Inc. in West Palm Beach, FL.

How Home Insurance Protects You

When you are a homeowner, it’s important to always have a home insurance policy to protect yourself financially. A home insurance policy contains a number of different types of protection that can all save you from financial problems. If you don’t yet have a home insurance policy, call us now at Atlantis insurance Inc. in West Palm Beach, FL.

Home Insurance: What You Need To Know

Protection for Your House

One of the biggest ways that this coverage protects you is by protecting your investment in your home. Usually a person’s largest investment, a home can be damaged by a number of incidents. These may include occurrences like accidents and certain disasters. When you have this coverage in place, it will pay for the repairs that are needed after the damaging incident happens. Major repairs can be extremely expensive, and having this coverage can save you from financial ruin after a serious incident. 

Liability Protection

A home policy also gives you protection against the liability you have as a homeowner. When there is a third party on your property who becomes injured there, you are likely to be held responsible for the medical bills for the accident. If you don’t have home insurance, all of those bills must be paid from your own pocket. Make sure that your liability is covered with a home insurance policy. 

Protection For Your Items

When you have a home insurance policy, you also have protection for all of your possessions inside it. If a damaging incident happens and your items are ruined, you can have your policy pay for the items to be replaced. With this coverage, you won’t have to cover those costs alone. 

Contact Us Today

If you don’t already have coverage, you need to get it as soon as possible. Call us at Atlantis insurance Inc. in West Palm Beach, FL.

Does your current watercraft policy protect your passengers?

When it comes to protecting your boat and your passengers, you can rely on Atlantis Insurance Inc. We are proud to serve the greater West Palm Beach, FL area with all of its insurance needs. If you would like to learn more about the boat insurance policy options available in the area, give us a call today.

Protecting your passenger with comprehensive boat insurance

When it comes to boating, the more the merrier! If you love taking your friends and family out on the water, it’s important that you can provide the protection they need. With a comprehensive boat policy, you will have the liability and medical expense coverage that you need.

Sitting down with a local agent is the best way to determine if you have the right coverage and also determine which level is appropriate for your needs. Without adequate coverage, you can be held liable for injuries or losses that occur on your boat. When you have the right coverage in place, you can enjoy your boat with the peace of mind that comes with knowing you and your passengers are protected.

Having the right insurance is an important part of boat ownership, and now is a perfect time to review your options. Don’t get caught without adequate protection. With the right boat insurance coverage, you can enjoy your boat now and for many years to come!

Call or stop by today!

Atlantis Insurance Inc. is the insurance agency that residents in the greater West Palm Beach, FL area rely on. If you’re unsure if your current policy provides the protection you need, or if you’re purchasing a boat, we can help you find the right policy. Come by our office or give us a call today!

Is flood insurance available for Florida residents?

Anyone who lives in a state that participates in the National Flood Insurance Program is eligible for flood insurance. Fortunately, most US states participate in the NFIP. Of course, areas like Florida, which are considered flood zones, are definitely eligible for this type of coverage. In fact, it’s possible to purchase flood insurance from private insurance companies as well as from the FEMA program.

Flood Insurance for Florida Residents

Florida is a state that participates in the NFIP and is also considered a flood zone. How much you pay for flood insurance depends on your area or zone. If you live in a higher flood risk zone, you may pay more than someone who lives in a lower-risk flood zone. However, other factors may affect how much you pay for flood insurance. FEMA has an extensive map that outlines flood zones.  Also, there may also be other maps that provide this information as well.

Atlantis Insurance Inc. of West Palm Beach, FL is committed to educating customers on the ABCs of flood insurance and how it works. Plus, Florida has many private insurance companies that provide flood insurance for Florida residents. Residents can choose between participating in the flood insurance program with the NFIP or acquiring flood insurance from a private company. 

What Does Flood Insurance Cover?

The standard NFIP policy provides up to $250K of property/home damage coverage for Florida residents. Actual cash value coverage is provided for up to $100K and is designed to cover personal items/belongings. West Palm Beach, FL residents that have questions about flood insurance, should call our team at Atlantis Insurance Inc. We’d be happy to explore your unique situation and discuss flood insurance benefits with you. 


What is a Condo Association and How Does it Impact Insurance?

If you are considering purchasing a condo or already own one, it is essential to remember that a condominium association governs it. In short, a condominium association is a legal entity of homeowners in a condominium community who work with each other to maintain property values and the aesthetic of the neighborhood. To facilitate, the owners within the condo community elect from their neighbors a board of directors that are responsible for overseeing the day-to-day tasks of the association and enforcing any community rules. Since board members are volunteers that do not receive compensation for their roles, with many maintaining full-time jobs, most condo associations opt to contract a professional management company to assist in daily operations such as collecting dues, contract negotiation, maintenance facilitation, and more. As a resident of a condo association, you will be required to pay dues that contribute towards the cost of running the neighborhood, including maintenance of all common areas such as a pool, sidewalks, elevators, roofs, and shared hallways. 

As the condominium owner, you’ll purchase a specialized condo insurance policy that covers your belongings, damage to the interior of the unit – including walls, and liability coverage in case a third party is injured while at your home. Separately, the condo association will maintain its insurance policy – paid for partly by your dues – for all shared areas of the property and the exterior of your unit. 

At Atlantis Insurance Inc. in West Palm Beach, FL, our friendly and knowledgeable team of insurance professionals is ready to assist with your condo insurance questions. Call us today to learn more or stop by our conveniently located office for more information. 


Owner-Operator Trucking Insurance

Owner-operators in West Palm Beach, FL require special truck insurance services and products regardless of whether they are under their own authority or operating under a permanent lease to a motor carrier. At Atlantis Insurance Inc, we understand the difference and are here to help you choose the right trucking insurance to meet the needs of your business and protect your livelihood.

Operating Under a Permanent Lease to a Motor Carrier

It is quite common for a motor carrier to offer primary liability coverage to drivers who are working for them under the conditions of a permanent lease. In general, this will provide coverage for injuries or damage to property or other parties in the event that you are found responsible for an accident.

Depending on your business, you may need additional coverage, such as:

  • Non-trucking liability for when you are not under dispatch
  • Physical damage coverage to repair or replace your truck following as accident or theft
  • Trailer interchange covers trailers that you pull but do not own

Some motor carriers may offer these options, but in most cases, you are better off obtaining them on your own. That way, you will be able to customize your truck insurance policy to the exact amounts and types of coverage to meet your specific needs.

Operating Under Your Own Authority

If you are operating your truck under your own authority, then you will need your own truck insurance policy to include:

  • Liability for damages to property or other parties, including property damage and bodily injury liability
  • Physical damage for truck repairs following an accident
  • Motor truck cargo for damage or loss of the loads you haul
  • Motor truck general liability for damages or liabilities not directly related to the use of the truck

If you are an owner-operator in the West Palm Beach, FL area, contact Atlantis Insurance Inc for expert advice about the coverage you need. Give us a call today.

Partner Carriers

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