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We encourage you to let us know how we can help you stay financially safe. The process starts as soon as you contact us for details.

Why Your Small Business Needs Commercial Insurance

palm coast insuranceWhen it comes to your small business, we understand how important the safety of your company is to your overall success. Commercial insurance is vital for small businesses because your policy can protect you from losses due to property damage, theft, employee injury, and other liabilities. There are three categories of commercial insurance that most companies need.

  • Liability Insurance

Liability insurance protects your company in the case of a lawsuit. If your company or employee causes damage to a third party, liability insurance will usually cover the damages.

  • Property Insurance

Protect your company’s property against damage, such as fires and floods, with property insurance.

  • Workers’ Compensation Insurance

In the unfortunate case an employee is injured on the job, worker’s compensation insurance will protect your company and cover the medical expenses.

It is important to consider your risks when choosing what policy of commercial insurance you need. If you are interested in speaking to our Daytona Beach and Palm Coast insurance agency, contact us today at (386) 756-8551 or (386) 446-2330. Our agency would be happy to discuss our other insurance services with you, and we can even provide you with a comprehensive, free quote for your needs. We’re based in Daytona Beach, Florida, and Palm Coast, Florida, and we gladly serve the surrounding neighborhoods.

9 Ways to Keep Your Home Safe

home insurance palm coast flWhen it comes to your home, it is typically a safe space from the world to escape and unwind. The unfortunate reality in today’s society is that it takes a lot more to keep your home safe than it once did. At Commercial Coverages, Inc., we strive to help our clients protect their homes, families, and possessions at all times with our home insurance in Palm Coast, FL, and Daytona Beach, FL. Below we offer nine easy ways to help keep your property safe.

  1. Install a strong, solid-wood front door.
  2. Invest in a home insurance policy that covers your belongings and assets.
  3. Keep a piece of wood in all sliding door tracks.
  4. Add a security system to your home, along with showcasing your security sign in your yard.
  5. Install motion sensor exterior lights.
  6. Have someone pick up your mail and garbage while out of town so that it won’t pile up.
  7. Add glass break sensors to your windows.
  8. Put your valuables in a safe place, such as steel safe.
  9. Don’t announce vacations on social media platforms.

For insurance purposes, we also suggest that homeowners document their possessions with photos and receipts. Be sure to include as much information as possible when documenting, including any serial numbers. If you are interested in learning more about our home insurance coverage options, contact us today at (386) 756-8551 to request a free quote.

9 Ways to Keep Your Home Safe

home insurance palm coast flWhen it comes to your home, it is typically a safe space from the world to escape and unwind. The unfortunate reality in today’s society is that it takes a lot more to keep your home safe than it once did. At Commercial Coverages, Inc., we strive to help our clients protect their homes, families, and possessions at all times with our home insurance in Palm Coast, FL, and Daytona Beach, FL. Below we offer nine easy ways to help keep your property safe.

  1. Install a strong, solid-wood front door.
  2. Invest in a home insurance policy that covers your belongings and assets.
  3. Keep a piece of wood in all sliding door tracks.
  4. Add a security system to your home, along with showcasing your security sign in your yard.
  5. Install motion sensor exterior lights.
  6. Have someone pick up your mail and garbage while out of town so that it won’t pile up.
  7. Add glass break sensors to your windows.
  8. Put your valuables in a safe place, such as steel safe.
  9. Don’t announce vacations on social media platforms.

For insurance purposes, we also suggest that homeowners document their possessions with photos and receipts. Be sure to include as much information as possible when documenting, including any serial numbers. If you are interested in learning more about our home insurance coverage options, contact us today at (386) 756-8551 or (386) 446-2330 to request a free quote.

How to Prepare for an Insurance Quote

palm coast insuranceAfter you have purchased your new home or vehicle, it is important to look into protecting your assets with insurance. At Commercial Coverages, Inc., your dedicated Daytona Beach and Palm Coast insurance company, we strive to offer our clients a wide variety of coverage options that fit their needs and budget. It is important to properly organize and research before you seek an insurance quote. Below we help our clients prepare for their insurance quote by providing helpful tips to do beforehand.

  • It is important to research competitive insurance rates in your area in order to be well-informed when your new insurance agent offers you current insurance premiums. This will help you know if you are being offered a fair rate.
  • Work out your specific preferences and financial state before you go in to receive an insurance quote. This will help you understand your needs when finding an insurance package that has sufficient coverage.
  • Inquire about applicable discounts before you go in to receive an insurance quote. Although our agency strives to inform our clients, many other agencies will not inform their clients in hopes that they will pay a higher rate.
  • Prepare questions to ask your insurance agent to help you understand the process in depth.

Contact us today at (386) 756-8551 to request a free quote.

How to Prepare for an Insurance Quote

palm coast insuranceAfter you have purchased your new home or vehicle, it is important to look into protecting your assets with insurance. At Commercial Coverages, Inc., your dedicated Daytona Beach and Palm Coast insurance company, we strive to offer our clients a wide variety of coverage options that fit their needs and budget. It is important to properly organize and research before you seek an insurance quote. Below we help our clients prepare for their insurance quote by providing helpful tips to do beforehand.

  • It is important to research competitive insurance rates in your area in order to be well-informed when your new insurance agent offers you current insurance premiums. This will help you know if you are being offered a fair rate.
  • Work out your specific preferences and financial state before you go in to receive an insurance quote. This will help you understand your needs when finding an insurance package that has sufficient coverage.
  • Inquire about applicable discounts before you go in to receive an insurance quote. Although our agency strives to inform our clients, many other agencies will not inform their clients in hopes that they will pay a higher rate.
  • Prepare questions to ask your insurance agent to help you understand the process in depth.

Contact us today at (386) 756-8551 or (386) 446-2330 to request a free quote.

Minimum Requirements for Florida Auto Insurance

auto insurance daytona beach flIn the state of Florida, it is against the law to drive without auto insurance in Daytona Beach, FL, and the surrounding areas. At Commercial Coverages, Inc., we work with a variety of insurance providers to help our customers find the policy that’s perfect for them. Auto insurance is a vital component to being safe on the open road and can help protect you and others in case of an accident. Look to our company to help you find a car insurance policy that can get you back on the road quickly if your car is damaged or destroyed by an accident, fire, theft, or another covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage that stem from an accident involving your vehicle. Below we go over the minimum requirements that drivers are expected to have on their auto insurance policy in Florida.

  • Every vehicle with four or more wheels must have and maintain Florida Auto Insurance coverage.
  • Every driver must have proof of Florida coverage.
  • Drivers are expected to have a minimum requirement of $10,000 personal injury protection (PIP).
  • Drivers are required to have a $10,000 property damage liability (PDL).

If you are interested in learning more about our insurance policies, or you have questions regarding the information above, contact us today at (386) 756-8551.

Hurricane Preparedness

homeowners insurance daytona beach fl	Hurricane season is among us in Florida, and at Commercial Coverages, Inc., we strive to educate our clients on the importance of staying prepared with an insurance policy that protects you and your belongings. Our insurance agency works with many different insurance providers to find you the best policy that fits your needs and budget.

When it comes to protecting your home and belongings from disasters such as floods and hurricanes, it is vital to understand what your policy covers. Often property owners will need to purchase separate plans that protect their assets in case of a disaster. We offer hurricane deductibles that can be lower than the standard 2%.

During hurricane season, it is essential to be proactive in case of an emergency. Having access to your policy and accurate contact information can help protect your belongings and family in case of hurricane damage.

If you are interested in learning more about our insurance policies, such as our homeowners insurance in Daytona Beach, FL, contact our agents today at (386) 756-8551 to request a free quote. We are always happy to answer any questions you may have regarding our policies to ensure you have a positive and superior experience.

Manufactured Homeowners Insurance

homeowners insurance daytona beach flAt Commercial Coverages, Inc., we understand your home is your safe space from the world, which is why it is vital to protect your belongings and assets in case of theft, fires, storms, and hurricanes. Our agency offers comprehensive plans that function similarly to homeowners insurance in Daytona Beach, FL, but are designed to cover manufactured and mobile homes specifically. With hurricane season among us, we recommend investing in manufactured homeowners insurance for the safety of your property and belongings. Below we list our manufactured policy coverage.

  • Personal effects, which includes theft protection
  • Comprehensive personal liability
  • Additional living expenses
  • Debris removal service
  • Emergency removal service
  • Protection for trees, shrubs, plants, and lawns
  • Comprehensive coverage for your manufactured home, including wind and hail

Our manufactured home policies offer property owners peace of mind because they protect against personal effects, which is personal belongings such as clothing, televisions, furniture, and other appliances not purchased with your home. Our replacement cost coverage helps homeowners in the event of a total loss by paying the policy limits. Replacement cost coverage also covers partial losses by paying the cost of repairs and replacements of the damaged home. Contact our agency today at (386) 756-8551 to request a free quote.

What Our Auto Insurance Company Can Do for You

auto insurance daytona beach flSince car insurance is a legal requirement in most states, it is beneficial to choose a policy that best fits your specific needs and budget. At Commercial Coverages, Inc., we work with a wide variety of insurance providers to help our clients meet their needs. The right auto insurance in Daytona Beach, FL, can protect you on the open road if your car is damaged or demolished by an accident, theft, or fire. Our mission as a company is to help our clients understand the importance of car insurance for the financial safety of you and your family. Below we discuss our auto insurance coverage options.

  • Liability Coverage – This option pays for your legal responsibility to others for bodily injury or property damage.
  • Property Coverage – This pays when you damage someone else’s property or belongings.
  • Personal Injury Protection – This is required for all personal auto insurance policies.
  • Medical Coverage – This pays for injury treatment, rehabilitation, and lost wages, plus funeral expenses when necessary.
  • Uninsured Motorist – Protects you when the person at fault for the accident is uninsured.

If you are interested in receiving a quote for our auto insurance in Daytona Beach, FL, contact our agency today at (386) 756-8551.

 

 

Reasons to Invest in Life Insurance

life insurance daytona beach flProtecting your family is one of the most important things in life, which is why being proactive and planning ahead is vital to the well-being of your loved ones. Commercial Coverages, Inc. can help you navigate through the uncomfortable reality of planning for death to ensure your loved ones are protected. Our life insurance in Daytona Beach, FL, offers families peace of mind and protection for the future. Below we discuss reasons why people invest in life insurance.

  • Many people purchase life insurance to relieve their family from the burden of paying for a funeral and burial. Since many people are suffering emotionally during this time, clients proactively plan, so their loved ones do not have to suffer financially as well.
  • Planning for your child’s future can be as simple as purchasing a life insurance policy that ensures they are protected.
  • Purchasing life insurance can help replace the spouse’s income in case of a death in the family.
  • Creating a policy that protects your family from taking on your debt is important to relieve them from taking on your financial risks in the future.

There are many reasons and benefits to purchasing a life insurance policy that are not listed above. If you wish to speak to an agent regarding our life insurance policies, contact our agency today at (386) 756-8551.