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Tips to prepare your business for a storm

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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.

Flood Insurance FAQs

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Many homeowners in Florida are required to have flood insurance, while many others can benefit from coverage. At Atlantis Insurance Inc. in West Palm Beach, FL, we offer flood insurance policies and can provide you with many options. 

What is Flood Insurance? 

Flood insurance protects your home in the event of a flood. Flooding is not covered under a standard homeowner’s policy. Some flood policies cover only the structure of the home, while others also cover the contents of the home. 

Do I Need Flood Insurance?

If your home is in a special flood zone, your mortgage lender will require you to have flood insurance. These zones are determined by FEMA. However, it’s important to note that 30% of flood damage occurs in low to moderate-risk areas, so flood insurance is a good idea, even if it isn’t required in your area. 

How Do I Know if I’m in A Special Flood Zone? 

You can check FEMA’s Flood Map Service Center. You can also contact Floodsmart to learn if your address is in a flood plain. 

What is the Coverage Requirement for Flood Insurance? 

If flood insurance is required for you, you must meet the minimum coverage requirements. This can be 100% of your home’s replacement value or the total of your loans and credit lines that use your home as collateral. 

The maximum coverage limit for residential properties under the National Flood Insurance Policy is $250,000. This is the most you can be required to have. 

When Should I Update My Policy? 

You should update your policy if there’s a significant change to your home’s structure or value. This may include an addition to your home or remodeling. 

Reach Out To Us

If you need flood insurance in the greater West Palm Beach, FL region, contact Atlantis Insurance Inc.. today. Our agents will discuss your concerns and help you select the best policy for your needs. 

What is a Master Condo Insurance Policy?

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Much like a neighborhood with its homeowners’ association, condominium owners will have a condominium association that oversees issues that relate to all of the condo owners and property under its purview. Each unit owner will be responsible for paying dues, and these will contribute to  services, such as snow removal in parking lots, but will also go toward financing the master condo policy. 

What is a Master Condo Insurance Policy?

The master condo insurance is purchased by the association under its corporate name and not those of the individual unit owners. A cluster of condos will usually have areas that do not belong to any particular person but that are held in common.

People can suffer injury due to slipping and falling in these common spaces, and this insurance will help to cover the costs of medical expenses and lost wages. Your knowledgeable Atlantis Insurance Inc. representative can give you more information as to the specifics that would be included. 

There is also the potential for property damage that can occur due to storms or as the result of vandalism or theft. West Palm Beach, FL master condo policies typically extend to the roof and the walls on the exterior of the main building. The walls on either side of each dwelling are typically for each property owner to insure on an individual policy. 

Stairways, recreational rooms, parking lots, lawns, elevators, hallways, and any other common areas will be included in a master policy.  Understanding the extent of coverage this insurance provides, for example, for the framing, drywall, and appliances, can help you select personal indemnification that meets your needs. 

Atlantis Insurance Inc. Is Here To Help!

We provide superior insurance products and services to indemnify our clients against perils in every area of their lives. We work hard for those in the West Palm Beach, FL community, and we invite you to reach out to us today.  

How Trucking Insurance Keeps You Protected

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As a truck driver, you have plenty of things to worry about while out on the road. But worrying about what would happen if you were in an accident isn’t something you want to add to the list. Our professionals at Atlantis Insurance Inc., serving the greater West Palm Beach, FL region, know how having the right insurance coverage can protect you adequately. Discover what you can stop stressing over just by having the proper coverage.

Operating Your Trucking Business

Trucking insurance is an essential component of operating a trucking business. Your policy protects against financial losses due to accidents, theft, damage to the truck and cargo, and other events that come at you unexpectedly. In addition, the insurance policy covers the truck and the driver, ensuring that they are protected in the event of an accident. The coverage also includes liability insurance, which pays for damages to other vehicles and property in case of an accident caused by the truck driver.

Additionally, trucking insurance often includes uninsured motorist coverage, which protects your company if the other driver involved in an accident does not have insurance. Having the proper trucking insurance will guarantee that you won’t lose everything trying to pay for the losses if something goes wrong.

Give Us A Call

Protect your business, your driver, and your truck in the event of a catastrophe. You’re investing in your future by investing in the proper trucking insurance. Let our experts at Atlantis Insurance Inc. in West Palm Beach, FL guide you through the process of determining what kind of coverage you need. Call our office to have your questions answered or to set up an initial consultation.

Protecting Your Car With Full Coverage Insurance

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Did you know that car repair and replacement costs can be expensive, especially if you don’t have full coverage insurance? Full coverage insurance protects your vehicle from costly repairs or replacements due to an accident. Atlantis Insurance Inc. is here to assist with any questions about protecting your car in West Palm Beach, FL, with full coverage insurance. 

What Is Full Coverage Insurance? 

Full coverage auto insurance is a policy that protects damages incurred by both you and the other driver involved in an accident. This policy typically includes liability coverage and collision and comprehensive coverage, which protects against damage caused by collisions, vandalism, theft, and other non-collision-related events. 

Benefits of Full Coverage Insurance 

Full coverage insurance’s primary benefit is financial protection for both parties involved in an accident. This type of policy protects your vehicle and the other driver from having to pay out-of-pocket costs for any damage they may incur due to the accident. Additionally, full coverage auto insurance can often help lower premium costs since many insurers offer discounts for having comprehensive coverage on your policy. 

Choosing the Right Policy for You 

When choosing a full-coverage auto insurance policy, it’s essential to consider all available options and select one that best suits your needs and budget. Consider speaking with a qualified representative at Atlantis Insurance Inc.; we can help guide you through the process and ensure you get the right policy. 

Car accidents can be stressful enough without worrying about how much it will cost to repair or replace your car if needed. That’s why it is essential to ensure you are adequately protected with a full-coverage auto insurance policy. If you need help finding the right policy for your needs in West Palm Beach, FL, contact us today!

How to prepare a boat for a storm

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Atlantis Insurance Inc, serving the greater West Palm Beach, FL community, is here to assist with all your boat insurance and boating needs. When a storm is brewing, you need to take steps to protect your boat. We are happy to help. 

Here are six tips to help make sure your boat survives the storm:

1. Get a weather forecast for your area in advance, so you know what to expect and can prepare accordingly.

2. Review your boat’s storm preparation checklist to make sure everything is in good working order and that you have all the necessary supplies on board. This might include things like spare parts, first aid kits, lifejackets, flares, and other safety equipment.

3. Stock up on supplies such as food, water, fuel, and batteries so you have everything you need to ride out the storm safely. This will also help ensure that you don’t run out of essentials if access to stores or services is limited during bad weather.

4. Check the condition of your lifejackets and make sure they are in good working order. This is essential for ensuring your safety if you need to evacuate the boat during a storm since large waves or strong winds can breach even the strongest hulls.

5. If your boat has any loose items on deck, like tarps, sails, or fishing gear, be sure to tie them down securely to prevent damage from high winds and heavy seas.

6. Check your bilge pump and make sure it is working properly before you get into rough weather conditions. This will help ensure that you can quickly remove any water that gets into the boat, preventing flooding and other damage.

Get Boat Insurance Today

If you have any questions about how to stay safe on your boat, give us a call today at Atlantis Insurance Inc. We proudly serve the West Palm Beach, FL area residents with all their boat insurance needs. 

Why Everyone Needs Flood Insurance

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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

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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

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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

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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. 

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