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Commercial Insurance Purchasing Options

Sat, 06/15/2013 - 12:33 -- stateco

In Florida, you have the option of purchasing your insurance through a variety of insurance organizations, depending on the type and size of your business. Many authorized insurers are licensed to sell commercial insurance in Florida. Also, surplus lines insurers can provide coverage for businesses and professionals in high-risk situations.

There are risks and limitations associated with both types of insurance providers. The following sections outline these organizations and explain how they are licensed and regulated.

Authorized Insurers

Can I Do Anything to Lower My Commercial Insurance Premiums?

Sun, 05/12/2013 - 08:45 -- stateco

Remember that all insurance premiums are based on the risks involved. The insurance company evaluates the situation to determine the risks—or potential for losses—and bases its rates on the results. Therefore, deliberate steps you take to lower your risks not only can help safeguard your business but also may make you eligible for lower insurance rates. Consider these steps:
• Maintain adequate lighting throughout your business premises.
• Keep electrical wiring, stairways, carpeting, flooring, elevators and escalators in good repair.

What Types of Property Business Needs to Insure?

Mon, 04/08/2013 - 17:29 -- stateco

Your business may not possess all the following types of property, but you can use this list to make sure that you have considered all the property categories and any insurance coverage that may be warranted:
• Buildings and other structures (owned or leased)
• Furniture, equipment and supplies
• Inventory
• Money and securities
• Records of accounts receivable
• Improvements and betterments you made to the premises
• Machinery
• Boilers
• Data processing equipment and media (including computers)

Medi-Share - Is it Health Insurance or What?

Thu, 03/21/2013 - 13:06 -- stateco

With the new Affordable Care Act coming into force in 2014 several of our customers have been asking about Medi-Share program that they heard of. According to program's administrator Christian Care Ministry, "Medi-Share is a community of more than 50,000 Christians who follow the biblical model of sharing and paying each other's medical bills much like the early church did 2,000 years ago. And as a not-for-profit ministry that promotes healthy biblical lifestyles, participation is affordable."

What Types of Property Insurance Should I Consider Buying?

Sun, 03/10/2013 - 14:36 -- stateco

The best thing to do is to take a complete inventory of all your business property, determine its value and decide if each item is worth insuring. Then check to see that the items on the inventory list are included in the basic business property policy and covered for the correct amount. If not, ask your agent about the cost of purchasing additional coverage to meet your needs.

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