Insurance

4 Reasons Why You Need Boat Insurance

Posted on by agentinsure

If you spend any time in Naples, FL, it’s pretty obvious the residents here love their boats. In fact, boating is the preferred activity of homegrown Floridians and eager visitors all year round! It makes sense that Pro America Insurance customers often turn to us to protect their boats and boating accessories to keep them on the water longer.

While boat insurance is not a legal requirement in Florida, it’s an important investment to make. Boating insurance can cover the cost of boating damages, including:

Injury – Boat insurance typically covers injuries inflicted during the operation of your boat. This coverage extends from passengers on your own boat as well as anyone injured on another vessel or in the water during an accident. 

Property Damage – If your boat inflicts damage to another person’s vessel, or upon docks or other marine equipment, your boating insurance could cover the cost of that damage. Furthermore, insurance can cover the damages to your boat during an accident, often providing funds to repair or replace the vessel.

Vandalism and Theft – Regardless of where you store your boat, it can unfortunately become the target of criminals. A boating insurance policy can help cover the cost of restoration in case of vandalism, or provide coverage for legal proceedings and vessel replacement after an act of theft.

Personal Property – If you carry a  lot of accessories, such as fishing gear, a boating policy could protect those items as well incase they are damaged or stolen. Coverage could also be extended to your trailer and other equipment you use to take the boat in and out of the water.

If you live in the Naples, FL area and want to discover more about boating insurance, please reach out to Pro America Insurance today!

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Essential Motorcycle Coverage for New Riders

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Your dream of owning a motorcycle has finally come to pass and you’re anxious to hit the road. Before taking that dream bike out for a spin, however, you’ll need insurance protection. Our agents at Pro America Insurance, Naples, FL, can help you obtain the essential coverage you need. As a new rider, you can benefit from all of the following options:

Liability Insurance

New, inexperienced motorcycle riders are at greater risk of causing accidents on the road. Liability insurance covers the cost of injuries and property damage to others in an accident you cause. If you hit a pedestrian or cause an accident that injures other drivers, liability coverage will help cover the cost of their medical expenses and vehicle repairs so you won’t be held responsible for these costs.

Collision & Comprehensive Insurance

To protect your own bike, consider collision and/or comprehensive coverage. Collision insurance pays for damages to your motorcycle if you collide with another vehicle, animal or object. Comprehensive protects your motorcycle against theft and damage caused by fire, vandalism or inclement weather. Although this coverage isn’t mandatory, it could come in handy to help you repair or replace your bike in the event of an accident.

Medical Payments Insurance

Medical payments insurance covers your medical expenses in an accident. Motorcycle riders run a great risk of getting injured in road accidents due to being exposed to outside elements. If you or a passenger on your bike are injured in a crash, this coverage can help pay for the medical treatment you need to recover.

At Pro America Insurance, we recognize the importance of adequate insurance protection for new motorcycle riders. Whether you’re riding around Naples, FL or taking a motorcycle tour of neighboring states, we can put together an insurance package that offers you the protection you need.

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Float With Greater Peace of Mind with Boat Insurance

Posted on by agentinsure

A lot of people who invest money into boat overlook the importance of having boat insurance. Depending on where you live, though, as well as the means through which you financed your boat, you may be required by law to have insurance on your boat. For now, let’s take a quick look at the top three reasons you can float with greater peace of mind when you invest in boat insurance. 

The Water can Get Rough

You never know when a boating accident might take place. You’re floating down the river and out of nowhere another boat bumps into you. It happens all the time. And if the other guy doesn’t have insurance on his boat, you will be left with covering the cost of damage to your boat. 

Your Boat Might Sink

Have you ever wondered what happens to boats that sink to the bottom of the lake? Most times, these boats have to be recovered, and it falls on the shoulders of their owners to cover the cost of having the boats pulled out of the water; this can cost several thousand dollars. With proper boat insurance, though, you won’t have to worry about dipping into your own pockets to pay for the recovering of your boat. 

The Wind can Cause Damage

If you keep your boat tied off at a marina or dock, there is good chance that the wind might get rough and cause damage to your boat or to the dock. Many marinas will require that you have insurance to help cover the cost of any damage that takes place. 

If you would like to learn more about boat insurance in Naples, FL, please contact Pro America Insurance today. 

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4 Things You Need to Know about Flood Insurance

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Are you under the impression that your homeowner’s insurance policy will pay for flood damage? If so, you should probably think again. Generally, homeowner’s insurance does not provide flood insurance coverage. In fact, you will likely have to purchase a completely separate policy to obtain this type of protection. As for now, let’s take a quick look at four things you need to know about flood insurance. 

Who needs flood insurance?

If you live in an area that is prone to flooding, then the mortgage holder to your home may mandate that you obtain flood insurance. The best way, of course, to determine whether or not you are required to purchase this type of coverage. 

Where to buy flood insurance?

Did you know there are more than 80 companies that sell various types of flood insurance policies? That’s right, and you can also buy this type of insurance through property insurance agents. To learn more about taking advantage of a flood insurance policy, speak with a qualified agent today. 

How much does flood insurance cost?

The amount of money that you pay for flood insurance will depend on a variety of factors. For starters, the location and value of your home are the primary two factors that affect the rate of your flood insurance. The age and style of your home will also affect your insurance rate. Remember, flood insurance rates are set according to a national rate, so they don’t vary from one company to the next. Still yet, any discounts you qualify for may be able to save you money. 

Are there different types of flood insurance?

Flood insurance is flood insurance. All policies are the same in that they provide coverage for flooding, but the amount of coverage that they provide does vary depending on the policy you purchase. 

Contact Pro America Insurance  to learn more about buying flood insurance. 

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Can Renters Purchase Flood Insurance?

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If you are renting a home in an area that is subject to flooding, you may find yourself wondering if you can purchase flood insurance as a renter. This is a question that we get often at Pro America Insurance. Here are a couple of the questions you may have about this topic and the answers. 

Can Renters Purchase Flood Insurance? 

One of the biggest misconceptions out there is that renters cannot purchase flood insurance. Renters do have the ability to purchase a flood insurance policy. This policy helps to cover the belongings that are contained inside of their rental home. These policies are often capped at a specific amount, but the limits are typically high enough to cover all of the valuables the average person stores in their home. 

Do You Have to Have Renter’s Insurance to Purchase Renter’s Flood Insurance? 

If you do not currently have renter’s insurance and have decided that you do not want to purchase that type of insurance, you may wonder if you are still eligible to buy flood insurance. Flood insurance is separate from a regular renter’s insurance policy. As such, you can obtain a flood insurance policy even if you do not have renter’s insurance. Additionally, the property owner’s insurance policies have no bearing on your right to purchase a policy. Whether or not the property owner carries flood insurance will not have a bearing on whether you can or cannot purchase a renter’s policy. 

If you are renting a condo, apartment, home or other dwelling and are looking to purchase flood insurance to protect your belongings, Pro America Insurance can help find the right policy for your needs. Call us now to schedule an appointment to sit down with one of our insurance agents and discuss your flood insurance needs. 

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Do You Need Workers’ Comp Insurance In An Office Environment?

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When you run a small business, it can be difficult to understand whether or not you need to carry workers’ compensation insurance. Workers’ comp insurance sounds like something you would only need if you were running a construction business, however, nothing could be further from the truth. In Naples, FL, all businesses with four or more employees are required to purchase workers’ compensation insurance coverage. 

Your first question is likely about how much this insurance coverage is going to cost, and that answer depends on a few different factors, including the type of business you run, the payroll for your business, the insurance company with which you choose to work, and the previous insurance claims made by your business. There are also options in Florida to receive discounts on your workers’ comp insurance, including a 2% deduction for running a workplace safety program and a 5% deduction for running a drug free workplace program. The start up cost of these programs is usually well worth the insurance savings, but it’s important to know that you must renew these programs every year to continue receiving the discount. It’s a good idea to use these discounts- if one of your employees files a workers compensation claim and you are found responsible, you will likely need to pay 100% of the employee’s medical expenses. Your insurance agent can walk you through the step by step process of ensuring you get the largest discount available. 

Workers’ compensation insurance is absolutely necessary, and it’s important to work with an insurance agent whom you trust. Call Pro America Insurance serving Naples, FL today to get your workers’ compensation insurance quote.

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What Does Commercial Insurance Cover?

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Commercial insurance is a rather broad term and it includes many different things. As such, if you own a business, you will want to talk to an insurance specialist to determine what your commercial insurance needs are and what should and should not be covered in your plan. However, here are a few of the things that are typically covered by commercial insurance.

Theft

Commercial business insurance protects your business against theft. If someone steals product from you, your insurance company will pay you the amount of money you are out, less any deductible you may have if your store or business is burglarized.

Loss of Employee

Another aspect that commercial insurance covers is the loss of an employee. This typically relates to higher ups in a business but can be modified to include anyone important in your operations. If an employee has an unexpected event that causes them to be unable to work, such as a sudden medical condition not related to work, your business can be negatively impacted. The insurance helps you to cover the cost of bringing in someone else to take this employee’s position until the employee is able to return to work or a new employee is trained and up to speed.

Forced Business Closures

The last thing that commercial insurance covers is forced business closures. If your business is forced to close due to building renovations, a fire or other unexpected events, you may lose out on the money. Commercial insurance covers those losses so your business is not impacted.

If you are looking to obtain a new commercial insurance plan, Pro America Insurance serving the greater Naples, FL area, would love to assist you. Contact us today to discuss what all a commercial insurance plan can cover and what coverage types you need. We can also provide you with a free price quote.

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Commercial Insurance: Who Provides Insurance For A Pizza Delivery Driver?

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Here’s a question you might not have considered before: When you call up the local pizza parlor and order a large pepperoni for delivery, who’s picking up the insurance payments for the delivery? Does the restaurant cover it, or does the delivery driver provide his own insurance?

The short answer is: More often than not, the driver provides their own auto insurance, while their employers provide the commercial insurance that will cover the driver and the company if, for instance, somebody steals from the driver, if they’re injured on the job and need to collect workers compensation and so on. Most pizza places do not provide company cars, the driver typically provides their own vehicle, so they typically provide their own insurance.

That being said, there are some exceptions. Domino’s, for instance, recently debuted their converted Sparks cars, complete with warming ovens that can hold up to 80 pizzas at a time. These cars are, of course, covered under the corporation’s commercial policy.

Some insurance providers do not cover delivery drivers at all because of the extra mileage put on the car and the risks involved with the job. In some scenarios, the provider may offer delivery driver insurance, but may withhold the offer based on the driver’s record. 

The options that are available from a provider like, for instance, Progressive Insurance Agency Inc. will vary from driver to driver and from area to area. If you’re looking into becoming a delivery driver, you will want to talk to an agent about getting covered for delivery work and talk to your prospective employers about their own minimum insurance requirements for drivers.

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What is Life Insurance?

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If you are new to buying any type of life insurance, you will need to know how it works and have a good understanding of the types in order to choose the coverage that will be best for you and your family.  If you are in Naples, FL, the team at Progressive Insurance Agency, Inc. is standing by to help you.

 In essence a life insurance policy is basically a contract between you and the insurance company.  You make payments on the premium and in exchange for that, the insurance company will make a lump sum payment – aka a “death benefit” – to your beneficiaries when you, or the insured party, dies.

In a typical situation, the life insurance type will be determined by the goals and needs of the policy owner.  The type known as term life insurance will provide the protection only for a specific amount of time.  The more permanent type, like whole or universal life insurance, provides coverage for a lifetime.  One more thing that is important to know is that the death benefits from life insurance policies are typically tax free. 

Term Life Insurance

This type is typically less expensive than the permanent types of life insurance.  It is designed to offer financial protection for a set period of time – usually 10 or 20 years.  The premium will remain the same for the length of the coverage period.  Once the coverage period is up, you can generally renew the policy at higher premiums.

Whole Life Insurance

This is one of the permanent types and has been designed to provide coverage for a lifetime.  Because of this, the premiums are typically higher.  The premium payments are usually fixed and the policy actually has a cash value – which means that it can actually function as a savings component.

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Get The Motorcycle Insurance You Need In Naples Florida

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In today’s day and age motorcycles are a hot commodity, and just incase you feel insurance is unnecessary to think again. Motorcycles are easier to steal than cars are; and, the parts are also subject to theft. If your bike isn’t stolen, and a mirror or other accessories are, you can purchase coverage that may replace your stolen items.

With certain coverage, you can protect items that have been added on to your bike. Regardless of the type, or its price, there are many policy coverage options for your bike with an insurer. With some insurance, personal injuries may be protected. So, if you end up in the hospital, and need medical assistance, or even need to see a specialist, many insurers offer options for this. Be sure you know what extra protection is available, and what exactly will be covered. If you or any passengers are injured, most policies kick in to help with the expenses you would otherwise incur.  If you damage someone’s property, you may be covered. During an accident,  there is no telling how much damage will ensue or how much it will cost. However,

With a good insurance policy in place, you likely will be protected from certain expenses. Natural disasters and catastrophes may all be included under policy coverage. And in an area such as Naples, Florida, where these are frequent events, consider searching for coverage that will aid in the event of a mishap. Not only to avoid possible out-of-pocket costs, but at least some repairs done which result from these catastrophic events may be covered under your policy. With that being said, Stop by the office of Progressive Insurance Agency Inc. in Naples or visit the website to gain peace of mind.

 

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