Florida insurance notes
Short notes from a licensed Florida agency. Call now if you want a quote the same day.
- Commercial auto in Central Florida: when your work truck may need its own policyCommercial auto in Central Florida: a work truck may need its own policy. Personal vs business use, hired and non-owned auto, small fleets, and what to bring.
- Hiring a contractor for your Florida rental: what insurance proof to ask forHiring a contractor for your Florida rental? What insurance proof to ask for (GL certificate, workers’ comp) and what to check before work starts. Not legal advice.
- General liability vs E&O in Florida: an injury vs a mistakeGeneral liability vs E&O in Florida: GL is built for injury and property damage, E&O for the professional mistake. Who should ask and what to bring.
- Own several rentals in Central Florida? When reviewing them together may make sense.Own several rentals in Central Florida? Reviewing them together may make sense. What a combined landlord review looks at and what to bring.
- Hard-to-insure small business in Florida: what E&S means (and when it isn’t the only option)Hard-to-insure small business in Florida? What excess and surplus (E&S) means, when it isn’t the only option, and what to bring for a placement review.
- Florida commercial premium audits: what to have readyFlorida commercial premium audits compare your estimated payroll, sales, and subcontractors to real records. What auditors ask for and what to have ready.
- Why Florida employers should report workplace injuries quicklyFlorida employers should report workplace injuries quickly — what “quickly” usually means, what waiting costs, and what to bring for a coverage review. Not legal advice.
- The side LLC still needs its own story.Florida side LLCs for rentals or side hustles are not a free ride on HO3/personal auto. Small commercial / BOP conversation — what to bring for a review.
- Your Florida GL stops somewhere. Excess is the next layer.Florida GL has a limit. Excess (umbrella over personal) is the next layer for landlords and owners — what it is not, who should ask, what to bring.
- Florida short-term rental vs homeowners — ask before you list.Florida short-term rentals are a different risk than an HO3 you live in. Ask before you list: occupancy, platform protection, and what to bring for a coverage review.
- The tub overflowed. The HO3 still thinks you live there.The floor is wet. The tenant called at 11 p.m. Someone left the tub running, a washer hose let go, or a sprinkler head in the hall decided today was the…
- Your FL contractor GL skipped the mess that actually happens.Contractor GL covers BI/PD on the jobsite — mold, lead, solvent spills, and other pollution messes often sit outside that form. Central FL trades: what to send for a review.
- Your UCF rental has roommates. Whose policy pays when something breaks?Central FL landlords near campus: roommates, guests, and shared spaces create liability gaps the dwelling form does not fix alone. What to send before move-in week.
- You rented it out. The HO3 did not move in with the tenant.There is a Florida house with a lockbox on the door and a lease in a drawer. The owner still has a homeowners policy. The declarations page still says HO3.…
- This isn't a flood.The water is on the floor. It came out of a toilet, a drain, or a laundry standpipe. Someone says "we flooded." Someone else says "call flood insurance."
- Don't wait for the cone.If you can see the cone on the map, you are late to the insurance conversation.
- Hail hits two policies.Hail does not care that the roof and the car share a driveway.
- BOP is not just GL.GL will not rebuild the shop.
- Florida no-fault, in one minute.PIP pays your medical. It does not fix the other driver’s bumper.
- The wind-mitigation inspectionThere is a Florida form the carrier actually reads.
- The Citizens letterThe envelope is thick. The deadline is real. The renewal pile is not one product.