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Required Commercial Insurance for Businesses in Florida

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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

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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?

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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?

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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?

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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

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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.

Do you have protection from uninsured drivers?

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Unfortunately, as many West Palm Beach, FL residents are aware, there are a lot of uninsured drivers on the road in Florida. The team at Atlantis Insurance Inc is here to help you protect yourself from them. 

Protect yourself from uninsured drivers today

Many drivers are unaware that if they are involved in an accident with an uninsured driver 100% of the liability can fall to them. This can add bad news to an already sad story if you have been injured in an accident.

We all carry insurance to protect ourselves and others, and it can be very disheartening to learn that not everyone carries that same sense of responsibility. It is up to you to make sure that you have the protection you need. Many auto policies provide protection from uninsured drivers as an add-on. This can make it easy to overlook the coverage when you are selecting your policy.

Choosing the right policy for your needs can be more complex than you first think, but it is worth it to take the time and care to get the coverage that is most appropriate for your needs. Work with your local agent today and make sure that your policy has what you need! 

What to learn more? Call Atlantis

Here at Atlantis Insurance Inc, we want to help protect the West Palm Beach, FL community from uninsured drivers. Don’t wait to find out that your current policy doesn’t provide the protection you need. Now is a perfect time to review your auto policy to ensure that you have the coverage you need. Call or stop by our office today and find out more!

Your Boat Capsized: Does Insurance Cover This?

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Atlantis Insurance Inc. knows that West Palm Beach, FL residents and those in the area love boating across the state’s many lakes and in the ocean. However, capsizing is a common risk and is something that needs to be avoided. Will your boat insurance protect you? 

Capsizing is Covered in Most Cases 

Capsizing or sinking is a common occurrence for many boats due to rough weather or damage to the boat. In these situations, there’s a good chance that you will be covered. Most boat insurance policies are set up to help people out in this situation and minimize their expenses. 

Insurance should pay for things like recovering your boat, repairing it, and even replacing it if it is too damaged to fix up again. In this way, you should get the kind of protection that you need without worrying about losing your investment.

When Capsizing is NOT Covered

Though your boat insurance is likely to cover most capsizing instances, there are a few times when they may not. Most of these issues are pretty rare and include:

  • Geographic Exclusion – Your boating policy will have a specific cruising range that it covers. If you go outside this area, you may end up in trouble with a capsized boat and no coverage.
  • Named Storm Damage – Sometimes, boating policies link certain times of the year with heavy storms and will not cover you if your boat sinks or capsizes in this situation.
  • War and Terrorism – If you take your boat into a high-risk area, like an identified war zone, you may not be covered if it gets damaged or sunk by others. 

Some of these situations are pretty easy to avoid. Few people are going to take their boat into a war zone willingly. However, it is essential to know these limitations to avoid problems.

Make Sure You Get Protected

If you’re in this troubling situation and you want to avoid serious problems, talk to us at Atlantis Insurance Inc. right away to learn more. We help many West Palm Beach, FL, boat owners get the protection they need for their boating needs.

Flood Insurance for Low-Risk Zones

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You live in an area where floods are not likely, but you’ve been told you probably need flood insurance anyway. Why is that the case? Let us at Atlantis Insurance Inc. explain why residents in low-risk flood zones in West Palm Beach, FL should seriously consider flood insurance protection.

Do You Even Need Insurance in a Low-Risk Zone?

Did you know that about 25% of all flood insurance claims come directly from areas with low or moderate flood risk? While that means 75% still occur in high-risk areas, living in a low-risk area does not mean "no risk." Floods can occur in many situations when you least expect them. 

That’s just one reason why these policies are so important to consider. People in low-risk zones often don’t have the preparation skills that those in high-risk areas possess. As a result, they may even be at a higher risk of losing their items because they do not have an adequate flood insurance policy.

What Does Flood Insurance Cover?

Flood insurance will cover any damage to your home or material loss directly caused by a floor. It does not cover any natural wear and tear damage that may occur to your home over time. Some may not cover damage caused by the flood but worsened by poor maintenance management. 

However, a high-quality flood insurance policy will cover most flooding situations to provide you with the help you need to recover. Many even include temporary relocation coverage, meaning that they’ll pay for you to stay in a hotel or a temporary rental area while your house is repaired.

Where Can You Get a Policy?

Flood insurance for low-risk zones provides a strong level of protection that will minimize any problems you might experience. So please reach out to us at Atlantis Insurance Inc. to get the West Palm Beach, FL flood insurance that you need to avoid long-term concerns.

Condo Insurance 101: The Basics You Need to Know

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Buying a home is one of the most exciting times in a person’s life. You’ve saved money for years, made sacrifices along the way, and kept your eye on the prize. Now you’ve done it! Your very own condo in West Palm Beach, FL. What could be better than living and owning a home in Florida? It’s paradise! 

Atlantis Insurance Inc. wants to remind all homeowners in Florida that maintaining a condo insurance policy is required here, but you may be paying for more than what you actually need. 

The Right Insurance for Condo Owners

You may have purchased homeowner’s insurance as a condo owner, assuming all the coverage in the policy was also necessary for your condo. Unfortunately, this isn’t always the case. If you own a condo, the community you live in is maintained by a Homeowner’s Association (HOA) and they often cover some of what a homeowner’s policy would, like the exterior walls and common areas. 

Just like homeowner’s insurance, condo insurance protects you in the event that your property is damaged or from a severe storm or other natural disaster. Living in Florida, you know the weather can often surprise us, and out of nowhere, we’re suddenly in the middle of a downpour. It can be dangerous, and you want to protect your home when these things happen.

The team at Atlantic Insurance Inc. can help condo owners to determine which policy is best for them, what their HOA actually covers, and what kind of coverage they need in West Palm Beach, FL. Don’t assume you have the coverage you need simply because you bought a homeowner’s insurance policy. Condo insurance has different requirements, and you’ll want to be fully and properly insured. 

Partner Carriers

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