Can I get non-owned auto coverage for employees using personal vehicles for business purposes?

Yes, you can often add non-owned auto coverage to your commercial auto insurance policy, which provides liability coverage if an employee uses their personal vehicle for business purposes.

Is boat insurance required in Florida?

The state of Florida does not legally require boat insurance, but some marinas, lenders, and situations (like financing) may require you to have boat insurance. It is highly recommended to protect your investment and cover potential liabilities.

Does boat insurance cover liability on the water?

Yes, boat insurance typically includes liability coverage that can help protect you if you are responsible for causing bodily injury or property damage to others while operating your boat.

What factors can influence boat insurance premiums?

Factors that can influence boat insurance premiums include the type and value of the boat, its age, its horsepower, where it will be used and stored, the boating experience, and the coverage limits you choose.

What is the minimum required auto insurance coverage in Florida?

Florida’s minimum required auto insurance coverage is often referred to as “10/20/10” coverage, which means: $10,000 in Personal Injury Protection (PIP) coverage per person $20,000 in PIP coverage per accident $10,000 in Property Damage Liability (PDL) coverage per accident

What does PIP coverage mean?

Personal Injury Protection (PIP) coverage, also known as “no-fault” insurance, provides coverage for medical expenses and certain other costs related to injuries sustained in an auto accident, regardless of who is at fault.

What is Comprehensive and Collision coverage?

Comprehensive coverage protects damages to your vehicle that are not caused by a collision, such as theft, vandalism, natural disasters, and more. Collision coverage pays for damages to your vehicle caused by a collision with another vehicle or object, regardless of who is at fault.

Is health insurance required in Florida?

While health insurance is not required by law for individuals in Florida, having health insurance is highly recommended to ensure access to medical care and to protect yourself from unexpected healthcare expenses.

What are the main types of health insurance plans?

The main types of health insurance plans include: Health Maintenance Organization (HMO) Preferred Provider Organization (PPO) Exclusive Provider Organization (EPO) Point of Service (POS) High Deductible Health Plan (HDHP) with Health Savings Account (HSA)

Can I get subsidies to help pay for health insurance premiums?

Yes, if you meet certain income and household size requirements, you may be eligible for subsidies through the Health Insurance Marketplace that can help lower your monthly premiums and and out-of-pocket costs.