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.

 

 

Spring Home Safety Tips

lawn-care-643559_1280Spring Brings The Need For Safety

Now that the weather is changing, many of us are heading outside to have some fun or start the home improvement projects that we have been planning for all winter.  However, before the outdoor fun begins, please remember to do it safely.  Every year, more than 60,000 people are treated in emergency rooms for lawn-mower injuries.

Stay Safe While Having Fun

As you plan your spring activities, remember these safety tips:

  • If you are going on a bike ride, be sure to wear a helmet. Verify that the helmet sits level on top of the head–not rocking in any direction–and always fasten the safety strap.
  • When using a barbecue grill, always be sure to leave sufficient space between the grill and your home’s siding and eaves.
  • Keep children and pets far away from the grill.
  • With gas grills, be sure that the hose connection is tight and check hoses carefully for leaks.
  • If you own a pool, install a pool alarm to detect accidental or unauthorized entrance into the water. Always have an adult in the area when children are using the pool.  Limit use of alcohol when enjoying your pool.
  • It is a good idea to do a safety inspection on all play structures, including tree houses. Inspect play structures for sharp screws, bolts, or nails.  Make sure the swing set is on a level area and the legs are properly anchored.
  • Do not leave tools or sharp objects in the back yard.

Stay Safe While Completing Work Projects

  • Spring is a good time to complete an inspection of all motorized equipment to make sure they are in good working order.
  • Always wear protective eye gear, shoes, and long pants when using gardening power tools to protect your eyes, legs, and feet from flying rocks and debris.
  • Never start your projects when you are tired. Fatigue can cause severe injuries with accidental slippage while using a dangerous power tool.
  • If you are digging around your yard, verify that there are no electrical or gas lines in the area.
  • Remember that your body may not be used to heat, so if it is hot be careful not to get dehydrated or even heat stroke. Hydrate yourself on a regular basis.

 

 

Our agency is committed to providing clients with the highest quality insurance plans available combined with some of the lowest possible rates.  Whether you are shopping for auto insurance, home insurance, life or business insurance, we can help you obtain the best coverage available with the lowest rate possible.

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.

Amberg Insurance has been voted BEST INSURANCE AGENCY and BEST AGENT by the residents of Charlotte County and Harbor’s Hottest Insurance Agency by Harbor Style Magazine.

Has Your Business Considered These Insurance Coverages?

Yellow Safety Helmet On Workplace Desk With Construction Worker

Every business needs business insurance.  But business insurance policies are all different. That is why it is always better to use an independent agent who knows and understand your business and industry. The insurance needs for a restaurant are much different than the insurance needs of a manufacturer, and the coverage should reflect that.

If you own or operate a business, you may want to consider these coverages as part of your business insurance package. Our keys to coverage will assume some of the obvious coverage such as property and liability.  We also want to identify some business insurance coverage you may not have considered.

  • Sprinkler leakage insurance–If your sprinkler system leaks and causes a loss to equipment or documents, do you have coverage?
  • Business income insurance–After a covered loss, you may have a period of recovery time when you are closed. Without business income insurance your business may run out of funds.
  • Umbrella Insurance–An umbrella policy provides extra insurance protection over your commercial general and auto liability policies. It is not uncommon for a business to be sued for over $1,000,000.
  • Cyber liability–Cyber breaches are the fastest growing causes for loss for most businesses. Every business needs the protection provided by cyber insurance.
  • Employee dishonesty–This policy protects employers from workplace theft and fraud.

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.

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 BEST INSURANCE AGENCY and BEST AGENT by the residents of Charlotte County and Harbor’s Hottest Insurance Agency by Harbor Style Magazine.

 

Tips for Working at Home

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Does COVID-19 Have You Working From Home?

Due to the stay at home mandate, there are many people who are working remotely these days.  It appears this mandate will last at least another month.  Many people have thought that working remotely would be great, but working remotely is a double-edge sword.  Sure, you get to stay home, but studies show that it can be harder to focus on work.

Benefits of Working Remotely:

  • Remote employees tend to be more productive
  • Remote workers cost employers less
  • Remote employees tend to be happier and more satisfied
  • Remote workers have a better work/life balance

Remote Workers Need to Be Aware of These Challenges:

  • Lack of a work routine
  • Tendency to over-work
  • Lack of human interaction
  • Prioritizing a work project
  • Interruptions from family, pets, phone calls, and the doorbell

How to Make Working Remotely Work for You

  • Confine your workspace to a specific area in your home.
  • Set up your workspace like your office.
  • Set a schedule and create a routine.
  • When in doubt, go with over-communication; update your boss frequently on everything you are doing, and whether your schedule and deliverables are changing in any way.
  • After work, stay off electronic devices for some time to transition to “home time.”
  • Take regular breaks.
  • Get dressed every day. Taking the time to get dressed and perform your usual self-care routine can prove a big psychological booster.

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.

 

 

 

Running Out Of Quarantine Activities? Here Are Some Fun Ideas

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While most of us are sheltering at home, hoping the COVID-19 pandemic passes as soon as possible, adjusting to a life of social distancing can be a challenge.

If you are getting to the point of running out of things to do, here are a few ideas to help you manage your time.

  • Set up a schedule for your kids that might include times for reading, schoolwork, exercise, and game time. Having a set routine can help maintain a sense of normalcy.
  • Schedule a “family happy hour” each evening before dinner. Use it as a time to talk about what is going on, future plans, or share fun family traditions.
  • Teach your kids to cook.
  • Have a family movie night with popcorn.
  • Set up an exercise routine. Run up and down the stairs.
  • Choose one room in your home to thoroughly clean and organize.
  • If the weather is pleasant, playing outside in your yard is a terrific option.
  • Take time each day to share something for which you are thankful. It can be difficult to deal with all the negative news right now, so share something positive.
  • Check out a video of people showing solidarity during this pandemic or read a positive story that you found online.
  • Take care of your physical health. Get the appropriate amount of sleep and exercise, and practice ways to reduce anxiety such as meditation, yoga, or listening to music.
  • Get out all those old-fashioned board games or play an electronic game or two. This would also be a great time to watch old family videos. Connecting with happier times is always good for our mental health.
  • Limit the news. For your own mental health and the mental health of your children, limit the intake of news.
  • Connect with old friends or family members via phone calls or video chat.
  • Plant a garden. Garden centers are open, and many are offering curbside service or home deliveries.
  • Clean out your garage and prepare unused items for a garage sale or donation.
  • Camp out in the back yard.
  • Make a family COVID-19 bracelet.
  • Listen to a podcast. To say that podcasts are having a moment is a massive understatement. There are wide ranges of podcasts available for listening enjoyment, including comedy, inspirational, self-help, or career guidance.
  • Learn a new craft. Have you ever wanted to learn to knit, crochet, or do woodworking? Now maybe the perfect time to learn a new skill. You can find plenty of instructions and YouTube videos online.

Be safe, be strong, #togetherapart

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.

 

Coronavirus Will Have An Impact The United States

virus-1812092_1920The Centers for Disease Control recently stated that the Coronavirus will have an impact in the United States.  Currently, the death toll from the Coronavirus is over 2,700 worldwide.

People who contracted the virus have reported symptoms that include fever, chills, headaches, difficulty breathing, and a sore throat.  Now is a good time to start thinking about how you might protect yourself and your family from contracting this virus.

The World Health Organization and the CDC recommend that you take the usual precautions to help prevent the spread of respiratory viruses including:

  • Wash your hands often with soap and water or use an alcohol-based hand sanitizer.
  • Cover your mouth and nose with your elbow or a tissue when you cough or sneeze.
  • Avoid touching your eyes, nose, and mouth if your hands are not clean.
  • Avoid close contact with anyone who is sick.
  • Clean surfaces you often touch.
  • Stay home from work, school, and public areas if you are sick.
  • Check with your doctor if you have a fever, cough, and difficulty breathing, and tell your doctor about any recent travels.
  • Avoid eating raw or undercooked meat or animal organs.
  • If you are visiting live markets in areas that have recently had new coronavirus cases, avoid contact with live animals and surfaces they may have touched.

Traveling

If you do get sick while traveling, it is important to know the signs of coronavirus and seek immediate medical attention if you believe you have contracted the virus.

Symptoms might include fever, cough and shortness of breath. It is important to note, however, that the coronavirus symptoms are common to a number of viruses.

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.

 

2020 Insurance Buying Tips From Amberg Insurance

Creative Idea Of Power Thinking Concept, Paper Lightbulb DesignNow that 2017 is here, it may be time to consider reviewing your personal insurance program. Most people don’t take time to review exposures, options, or their current economic condition before making their insurance purchase. We want to help you, so we prepared these insurance buying tips for 2017.

  1. Don’t buy insurance through the internet – Call our agency and let us provide outstanding service along with competitive pricing.
  2. Maintain good credit – Regularly check your credit score, since a low score may impact your premium.
  3. Review your auto limits – If you have limits of less than $100,000, that won’t even cover the medical bills in a serious accident. The minimum liability coverage that anyone with any assets or income to protect should be carrying is $500,000 to $1 million or more.
  4. Maintain a home inventory – Having an accurate account of your personal property can provide for greater recovery in the event of a loss.
  5. Bundle your insurance – Combine your auto, home and umbrella policies with one Agency to receive better and easier service.  Someone who knows “you”.
  6. Set the right deductible – A higher deductible reduces your premium, but you have to pay more out of pocket in the event of an accident. If you have a good driving record and haven’t had an accident, you may want to gamble and opt for a higher premium. The reward for this risk could be up to a 40% savings.
  7. Consider Identity Theft – Identity theft is one of the fastest growing crimes in the U.S.
  8. Buy from a financially strong company – Your insurance is only as good as the company who stands behind the policy.
  9. Be prepared to make adjustments as your lifestyle and needs change.

Call us today and let us help protect what is important to you. 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.

Home Insurance Planning For 2020

Business Woman Staying On Top On Chart Bar And Looking With The

Your home will be one of the most significant investments you will ever make, both economically and emotionally. Your family will spend countless hours there, among some of your most prized possessions. In the event of any misfortune, let us give you the peace of mind knowing that you are well protected

Florida Home Insurance

Insurance premiums collected by each insurer get pooled into one pot of money used to pay losses. There may be certain years when losses exceed premiums paid. In some cases this occurs over a two or three year period. What Can We Do To Help?

We are an independent agency.  This allows us to search the market for the best possible combination of Florida home insurance premiums, coverage and service. We compare insurance company’s rates and use the competitive market to your advantage. Here are some ways to save on your premiums:

  • Purchase all your insure through our agency
  • Ask us about additional discounts
  • Consider increasing your deductible
  • Keep your home well maintained
  • Replace your roof, water heater and other equipment when needed
  • Review your policy regularly- you may not need the same kind of coverage you did a few years ago

Give us a call so we can provide you with options.

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.

 

 

Is Your Business Ready For 2020?

happy-new-year-4718873_1920The 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 Who 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.

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 BEST INSURANCE AGENCY and BEST AGENT by the residents of Charlotte County and Harbor’s Hottest Insurance Agency by Harbor Style Magazine.

 

Is Your Business Covered For Employment Practices Liability?

Bullying On The Job Meeting

Young boss bullying the candidate in her job meeting

A Business Insurance Update

Today more than ever, employees know their rights under the law. Over the years, the United States has created many federal laws and statutes to protect the rights of individuals including; Title VII of the Civil Rights Act of 1964, Title I and Title V of the Americans with Disability Act of 1990, The Age Discrimination in Employment Act of 1967, plus many other state laws. These laws require employers to act in accordance with very specific set of requirements and give employees the right to file lawsuits.

There are many reasons why an employee might make a claim against his or her employer. Typical allegations include wrongful termination, discrimination, harassment and even failure to promote. In an economic downturn, employers tend to have layoffs, and wrongful termination allegations can follow.

We also know that humans are prone to making comments that can be viewed as inappropriate by a coworker whether intentional or just a poor choice of words. Occasionally, a poorly phrased comment or two can lead to harassment allegations. Whatever the reason, Employment Liability claims are on the rise.

An Employment Practices Liability Insurance (EPLI) policy provides insurance against claims and lawsuits brought against an employer, its officers, directors, employees, and managers arising out of employee relationships. These policies generally cover charges in the following areas:

  • Discrimination – including age, sex, and gender
  • Sexual harassment
  • Invasion of privacy
  • Emotional distress or mental anguish
  • Wrongful termination or discipline
  • Negligent compensation, promotion or hiring decisions
  • Employee benefits mismanagement
  • Breach of contract for employment

An EPLI policy will defend the organization and pay the damages awarded under the terms, conditions, and limits of the policy. Most EPLI policies offer free legal assistance programs. This gives you the opportunity to contact an experienced legal firm to help assist you through an employment issue before it turns into a claim.  EPLI policies are written on a “claims made” form, which means it provides insurance coverage for claims that occurred and are made during the policy term or within an extended reporting period if selected. Some EPLI policies contain exclusions that limit coverage during events such as a major workforce reduction, acquisition or merger. Generally, criminal conduct is not covered by an EPLI policy.

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.

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 BEST INSURANCE AGENCY and BEST AGENT by the residents of Charlotte County and Harbor’s Hottest Insurance Agency by Harbor Style Magazine.