How Do I Know What Kind of Commercial Insurance My Florida Business Needs

meeting-1015590_640Commercial Insurance

The world is changing, and we understand the issues your Florida business faces every day. There is constant competition for your customers, there are challenges in attracting and retaining top employees, and your cost of goods keeps going up. Part of your planning should include an annual commercial insurance review. Your Florida business changes, and so do your exposures. Here are some of the major kinds of coverage found in most commercial insurance programs.

Commercial Insurance for Businesses

Liability Insurance- Covers your business against claims of negligence that resulted in loss or injury to a customer or visitor to your business.

Worker’s Compensation- Protects your business when an employee becomes injured on the job. It is required by law.

Commercial Auto- Covers against loss for your business vehicles and any liability your business incurs as a result of an accident.

Property- Insures against loss for your buildings and equipment.

Employment Liability- Covers your business and managers from claims of harassment, discrimination and other civil rights as afforded under state and federal laws.

Cyber Liability- Protects your liability interests when data or sensitive client information is stolen or accidentally lost by your business.

Professional Liability-Protects your business when a third party accuses your business of being negligent or making a mistake in providing professional services.

An Independent Agent Understands Commercial Insurance

When you purchase business insurance through an independent agent you are working with a licensed professional who specializes in the products and services you need. We have access to many insurance companies and know which ones are designed just for your business. Independent agents are local business owners who employee your neighbors to serve your needs.

Find out how your business can be protected by calling us today for a free business insurance review. Our philosophy is to help you identify and control both your insurance dollars and potential claims.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

Are You Shopping Online This Holiday?

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Personal Insurance Update

The holiday shopping season is upon us, and many of us are searching our favorite web pages for the best deals on the items that top this year’s wish list.  Last year, cyber Monday was the year’s single biggest day for shopping, generating over 2 billion dollars in sales.  This year, consumer experts predict an even bigger day.  However, this online activity is also a big day for cyber criminals.

We recommend that you have us review your personal insurance to make sure you have the right kind of insurance, including identity theft protection, to protect you and your family throughout the holiday season.

Holiday Cyber Safety Tips

  • Use a credit card rather than a debit card. It is easier to resolve issues.
  • Make sure your computer has updated security software. Verify that your antivirus software is up-to-date with the latest virus definitions, and that useful features like real-time scanning are enabled.
  • Update your passwords and make sure they are strong. Do not use 1234 as your password.
  • Don’t open email advertisement for sources you do not know.
  • Use only familiar websites.
  • Check you statements to make sure charges are correct.
  • Always log out of websites after your shopping is complete. Cookies can often keep you logged into accounts even after you close the browsing tab, an obvious no-no.  Get in the habit of clicking the “log out” button.
  • Try not to do your online banking on the same computer you use to shop online.
  • An extremely important online shopping safety tip is to keep your personal information protected. No store needs your social security number or your birthday.
  • The National Retail Federation predicts that 25 percent of adults will do online browsing with their smartphones to find gifts. If you use your smart phone to shop, make sure that you are only browsing safe, well-known sites.

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

Sources – Protection one, CNET, Identity Hawk.com, and Tripwire.

How to Hire Part Time Seasonal Workers

silhouette-1229849_640Florida Business Insurance update 

This is the time of year when your business will be hiring part time workers to help you manage the holiday season. For the most part, you will not need to modify your business insurance, but if you add new classifications or payroll, it may affect your workers’ compensation insurance.  Now might be a good time to have us complete a review of all your business insurance policies.

Here are few tips to help you manage seasonal employees

  • Make sure seasonal employees get the same training as all other employees.
  • Conduct background screenings on seasonal candidates.
  • Unless the job requires it, it is not a good idea to give seasonal employees access to computers or other secure information.
  • Don’t allow seasonal employees to work alone.
  • Remember the Fair Labor Standards Act (FLSA) requires employers to properly classify workers, pay the legal minimum wage, and pay overtime if applicable.
  • Seasonal employees should also read and sign the employee handbook.
  • Your business is legally required to carry workers’ compensation insurance coverage, as most fair-employment laws cover seasonal employees.
  • If you notice cliques or bad habits forming, don’t assume that they will self-correct.
  • Employers with 15 or more employees are subject to Title VII of the Civil Rights Act of 1964, the Americans with Disabilities Act, and other federal and state employment laws. This means your seasonal employees, just like your regular workforce, must receive adequate training on what conduct is illegal, how to report it, and how to request a reasonable accommodation.
  • Maintain a detailed account of where each employee works, the kinds of tasks they are assigned, number of hours completed, and their rate of pay.
  • When it is time to end the seasonal employment, follow the same procedures as you would with a full-time or permanent employee.

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

Make Halloween Safe for Everyone

halloween-959006_1920Safety Update From Amberg Insurance

In the next few days, we will be watching children scramble from house to house in search of the elusive Halloween treat.  However, keeping our kids safe as they are out Halloween night is always a concern.  In 2015, there were an estimated 6,900 pedestrian deaths and 165,000 medically consulted nonfatal injuries among pedestrians in motor vehicle incidents, according to Injury Facts 2015, the statistical report on unintentional injuries created by the National Safety Council.

A little pre-planning can prevent unfortunate accidents that could turn out to be tragic.  Remember, your homeowner’s insurance will cover you in most cases should someone trip and fall on your premises.

Here are some pointers for ensuring your house is a safe place for trick-or-treaters on Oct. 31.

  • Provide healthier treats for trick-or-treaters such as low-calorie treats and drinks. For your guests, offer a variety of fruits and vegetables.
  • Be sure walking areas and stairs are well-lit and free of obstacles that could cause someone to fall.
  • Keep candle-lit jack o’lanterns and luminaries away from doorsteps, walkways, landings, and curtains. Place them on sturdy tables, keep them out of the reach of pets and small children, and never leave them unattended.
  • Remind drivers to watch out for trick-or-treaters and to drive safely.

 Safety tips for kids

  • Never, ever, go into a house.
  • Costumes should be short enough to prevent children from tripping and falling
  • An adult or an older responsible child should always accompany young children. Even older children should go trick-or-treating with an adult, or with friends.  Never go out alone.
  • Only go to homes with a porch light on.
  • Plan costumes that are bright and reflective.
  • Do not eat homemade food.
  • Examine all candy.  If it has been opened, toss it out.
  • Use a flashlight.  

Safety Tips for Motorists

  • Watch for children walking on roadways, medians, and curbs.
  • Enter and exit driveways and alleys carefully.
  • Turn your lights on.
  • At twilight and later in the evening, watch for children in dark clothing.

Sources: http://www.nsc.org/, https://www.aap.org, https://www.cdc.gov

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

The Top Google Searches On Business Insurance

google-1088003_1280Amberg Insurance Business Insurance Answers

Your business insurance is an important part of your risk management program. It is important to have the right Business insurance coverage, competitive pricing, and the right insurer.  We have researched the top Google searches regarding business insurance programs, and we thought you might like to see what kinds of questions people are asking.

  1. What are the different kinds of business insurance? Business insurance can be broken down into the following categories; commercial property, general liability, crime, commercial auto, professional liability, and excess liability.
  2. What is employment liability insurance? Employment liability insurance covers claims made by your employees for injury that they suffer due to their work.
  3. Do I need business interruption insurance? Yes, every business should have some level of business interruption coverage. This insurance covers your business in the event you have to shut down for period of time due to a covered loss.
  4. How much insurance is enough? If you own a business, you should always consider liability limits of at least $1,000,000. Depending on your business you may need more. For example, if you own a construction company you will want to have higher limits than someone who owns a laundry business.
  5. Is a packaged insurance policy available? You can build a business insurance policy that combines all the coverage you need for your business.

Amberg Insurance Center, Inc. was established in 1974 to serve the growing insurance needs of the many businesses and individuals located in the Charlotte and surrounding counties. We take pride in the quality service provided to our customers, our community concern, and our commitment to the overall development of our employees.

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Florida Disaster Insurance

flash-731488_1920Can You Live Without Disaster Insurance?

Human caused disasters and natural disasters occur in every state. Florida has hurricanes and flooding, California has earthquakes and wild fires, Colorado has flooding and wildfires, the Northeast has winter storms and high winds, Florida has flooding and hurricanes, and the Midwest has flooding and tornados.

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. Florida Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Insurance And Disasters

It is safe to say that most business and homeowner’s insurance policies do not cover the risks associated with disasters. The only exception would be damage caused by wildfires. Let’s look at how insurance might apply to other disasters.

  1. Floods— Only 13% of U.S. homeowners had flood-insurance policies last year according to the Insurance Information Institute, a trade group. Flood insurance must be purchased through the National Flood Insurance Program. We can help you if you need the coverage.
  2. Hurricanes— Most property insurance policies provide coverage for losses resulting from hurricanes, except for flood loss associated with the hurricane. If you live in a high wind area, you will need to have a separate policy to cover your home and personal property.
  3. Mudslides— A standard home insurance policy does not protect your home against damage caused by a mudslide. Mudslides are usually defined as ground movement. Heavy rains that cause a mudflow would typically be covered.
  4. Heavy Rain and Storms— Winter storms and snow damage is covered under a typical homeowner’s policy. If flooding occurs, then the flood damage would be covered.
  5. Hail— Most homeowner’s insurance policies provide coverage for losses resulting from hail.
  6. Wildfires— It can be safe to say that all homeowner’s insurance covers loss resulting from a fire. Wildfires are considered a fire and would be covered.

Coverage disclaimer–the information provided here is for general purposes only. It is not our intent to change or modify insurance coverage. Each insurance policy is different and your individual coverage will be determined by the terms of your insurance policy.

By having an office in North and South Charlotte County, we can provide convenient and timely service to our clients. We would appreciate having the opportunity to serve as your insurance Agent for your personal and/or business needs.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

 

Back To School Driving Safety Tips

back-to-school-183533_1280.jpgFlorida School Safety

It is that time of year when millions of Florida kids are heading back to the classroom. It also may be a good time to have us review your auto insurance. Having the correct auto insurance coverage and limits is very important in this litigious world.

What to do in a school zone

A school zone is any area near a school or crosswalk leading to a school. School zones typically have speed limits of between 15 and 25 mph, and fines for speeding in these areas are usually double.

  • Slow down, and obey all traffic laws and speed zones.
  • Follow all laws pertaining to school buses.
  • Pay extra attention in a school zone. Watch out for children who might dart into the street, and always yield to pedestrians crossing in the crosswalk or intersection.
  • Watch out for school crossing guards and follow their direction.
  • Never pass a vehicle in a school zone.

Do not be a distracted driver

When you are driving, the condition of the roadway you are on, and the behavior of other drivers, can change abruptly leaving you little or no time to react.  When you are driving, follow these rules:

  • Stay focused.
  • Pay attention.
  • Expect the unexpected.

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.