TRUSTED ADVISORS IN
MIAMI BEACH SINCE 1998

need personal insurance?

need commercial insurance?

What We Insure

Personal Insurance

Protect your most valuable asset from the unexpected. If your home is damaged or your belongings are stolen, it can help cover repairs or replacement and temporary housing. If someone is injured in your property, this will take care of your legal fees and any damages from a lawsuit against you.

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Condo insurance protects the parts of your home that your Association’s master insurance policy doesn’t cover, such as your unit’s interior, appliances, fixtures, and your personal belongings. It also covers your personal liability to others.

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What we drive has always been a personal statement. Tailor your insurance to fit your needs. You can cover your injuries and damage you cause or can opt to protect for your car’s value. Your losses due to uninsured drivers is also available.

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There’s nothing like being out on the water. But just because there’s no road doesn’t mean there’s no rules. Protect yourself and your loved ones with uninsured boaters coverage and liability for injuries and property damages you cause. Or opt to protect the full cost of a new boat.

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Homeowners, Condo Unit Owners and Renters policies cover damage to or loss of personal belongings. Yet they limit the amount available for more valuable items. Consider valuable articles for your jewelry, artwork, firearms and more.

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Given the catastrophic nature of a flood, Homeowners, Condo Unit Owners and Renters policies all exclude damage to your property due to flood. Consider flood insurance to protect what could be the greatest threat to your property.

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What We Insure

Commercial Insurance

General liability insurance (GL), commonly known as business liability coverage, serves to safeguard against an array of claims stemming from your business activities. These may encompass bodily injury, property damage, personal injury, and other liabilities that may arise from your operations.

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Professional liability insurance generally provides coverage for instances of negligence, copyright infringement, personal injury, and additional liabilities.

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Property owners’ liability insurance offers protection against claims lodged against you for damage to third-party property or injury to third-party individuals due to negligence associated with the property under your responsibility.

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Home-based business insurance encompasses a range of protections tailored for entrepreneurs running their businesses from home. Your specific profession and the nature of your home-based operations may necessitate some or all of the following coverages. Insurance providers often offer bundled policies for home-based businesses, varying in coverage from one company to another.

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Product liability insurance shields your business against claims asserting that a product you manufactured or sold caused bodily harm or property damage to another party’s possessions. While some insurance companies provide this coverage separately, we incorporate it within your general liability insurance policy.

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Operating a company can pose challenges in the absence of suitable business insurance. One essential coverage that many business owners require is business interruption insurance, alternatively termed as business income insurance or contingent business interruption coverage. This coverage serves to compensate for lost income in instances where you’re unable to operate temporarily due to a covered loss, such as property damage.

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Business auto insurance safeguards both business vehicles and the individuals operating them. Should you or a driver of your business-owned vehicle be responsible for an accident resulting in injury to another person or damage to their property, they can initiate a claim against your policy and pursue legal action against either you or the driver involved.

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What We Insure

Life and Health Supplemental Insurance

Supplemental health insurance, as the name suggests, “supplements” or adds to provincial health insurance. It’s often called personal health insurance.

You can obtain supplemental health insurance through your employer, an advisor, or online. This type of insurance helps protect you and your family from financial insecurity due to illness or accidents.

However, understanding the protection offered by supplemental health insurance can be more complex than a routine medical checkup. Here are answers to some common questions to help you decide whether to purchase coverage.

EOS Finder – medicare supp info