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The Benefits of Having Commercial Insurance Coverage

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In many instances, you are not required by law to carry commercial insurance as a small business owner. However, that does not mean that you should not have this coverage. There are many benefits to having commercial insurance coverage. At Hamilton Fox & Company Inc. serving the greater Pinecrest, FL area, we want to help educate you. Here are two of the benefits of having commercial insurance coverage.

Protects You Against Weather Elements

One of the things that commercial insurance does is protects you and your business against unexpected weather elements. These weather elements may include storms, such as hurricanes and tornadoes. It may also include coverage against earthquakes and flooding. If you don’t own the building, you may think that this won’t help you, but this is not true. A large storm can damage your belongings in the store or cause you to have to shut down your business and lose revenue. Commercial insurance protects against this.

Protects You Against People

People do a lot of crazy things that can negatively affect your business. They may rob you, file a bogus lawsuit, or vandalize or damage your store and belongings. If you do not have commercial insurance, you have to pay out of pocket for the crazy things that these people do. Theft, lawsuits, and vandalism can equal thousands of dollars. Having a commercial insurance policy protects you against having to pay for these damages yourself.

Now that you know the benefits, you may be interested in obtaining a new commercial insurance plan in the Pinecrest, FL area. Let Hamilton Fox & Company Inc. help. Call us now to put together the right policy for you and obtain a price quote for your business.

Additional Coverage Options for Florida Auto Insurance Policies

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Every Florida driver is required to have an active auto insurance policy. This policy must meet certain state-required minimums. Failing to meet these standards could result in certain penalties. Florida is a no-fault state, so you need to have a policy that will pay for injuries or damages regardless of who is at fault.

Florida’s Minimum Auto Insurance Requirements

Florida residents are required to have minimum amounts for the following types of coverage:

•    No-fault or personal injury protection (PIP) coverage
•    Property damage liability (PDL) coverage

Personal injury protection will pay for any medical expenses or other liabilities that resulted in a loss of income because of an accident. It can cover your child or any other members of your household. It can also cover any passengers who have been injured because of an accident.

Property damage liability will cover any damage to someone else’s property if it has been caused by an accident in which you have been involved, and it can include any homes or buildings. Be sure to speak to an agent at Hamilton Fox & Company Inc. if you’re in the Pincecrest, FL area. We can help you find a policy that will meet these standards and we’ll make sure it fits within your budget.

Optional Coverage for Auto Insurance Policies in Florida

While there are certain state-required minimums, it may be advisable to purchase additional coverage, which can include extra dollar amounts for the required types of coverage according to Florida State Law. You can also purchase the following types of coverage:

•    Comprehensive – Will pay for any damage that isn’t the result of an accident
•    Collision – Will pay for any accident-related damages to your car
•    Towing and labor – Could come in handy if you’re in an emergency situation
•    Uninsured/underinsured motorist – Will pay for any damage that’s caused by a driver who doesn’t have auto insurance according to Florida State Law
•    Rental car coverage – Will cover the cost of renting a car for a specified amount or period of time

If you’re thinking about adding these additional coverage options, you should get in touch with Hamilton Fox & Company Inc. We have been serving the people of Pincecrest, FL for a long time and we can help you get the coverage you need. Be sure to get in touch with someone at our office. We would be happy to sit down and discuss your insurance needs!

Does Your Auto Insurance Policy Protect You Against Floods In Your Car?

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Generally Speaking, Flood Insurance Is For Your Home – Right? 

Those three hundred dollar headphones were left in your car after the gym and way before you had the chance to view the weather report. Good thing your sister warned you in time, and you were able to move your car out of the general flood zone. What she nor you could anticipate was that the flood zone extended past the normal parameters and your car was flooded. Hamilton Fox & Company staffers are quite knowledgeable on what type of insurance policy would cover the present situation you find yourself in. Located in Pinecrest, FL we serve our town as well as the surrounding areas.

This is not something that happens everyday, but floods are a catastrophe that happens often and requires special insurance usually. When it comes to protecting your car comprehensive auto insurance covers the operation and the damage to your car in the event of a flood. This coverage comes into effect once your comprehensive insurance deductible is paid. If you carry the minimum of liability insurance coverage on your vehicle, the impact of flooding on your car will not be covered at all. It is important to talk with your insurance agent regarding whether or not property in your vehicle damaged in flood would be covered even with comprehensive or full coverage auto insurance. An umbrella policy may be a better arm of insurance to cover for property damage in an auto flood situation.

The agents at Hamilton Fox & Company located in Pinecrest, FL are here to answer detailed questions regarding your policy. Please contact us today to discuss protecting your car before a flood in your area happens – forewarned is forearmed.

When Should You Review Your Commercial Insurance Policy?

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Is It Time To Review The Commercial Insurance Policy Already – I Just Insured My Business!

Honestly, the helpful and knowledgeable agents at Hamilton Fox & Company Insurance are of the mind that the correct answer to the title question is CONSTANTLY. Don’t think we would want you to take time away from your business to review your policy. You are in business to make money and provide goods and services to your clientele. That is exactly why we are in business as well. Hamilton Fox & Company strives to provide the highest level of service to you. That is what we are here for.

Your business is constantly changing. As a result, your policy evolves accordingly, and our constant review is our pleasure and is critical to keeping you, your company and employees protected.

Here is a short list of things that may arise in your business that will necessitate a discussion with your agent and a review of your commercial insurance policy.

  • You have taken on an additional property.  Whether it is a new building, an addition to an existing location (i.e., the lot next door has become vacant, and you want to assume the lease to expand your business). Take advantage of the sunshine here in Miami FL and stop by our office to discuss how this addition may add to your liability.
  • There has been an increase in your staff. Making certain their needs are met as it pertains to your company responsibility is task one.

If you have a question about your policy and reside here in Miami, FL, come into our offices, and we can personally assist you. If you prefer, email, fax, or telephone, please contact us today to ensure you are on top of your responsibilities as regards your commercial insurance policy.

To Catch a Pest: Home Insurance Concerns And Varment Control

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Is There A Circus Upstairs?

Unfortunately, If you have owned your home long enough, you have been treated to the personal circus that has visited the homes of millions of homeowners. The circus better known as “squirrels in the attic” has extensively traveled across the country and abroad.  Those agents at Hamilton Fox & Company who own their homes and those who do not are quite familiar with the phenomena.  It is not specific to our location in Pinecrest, FL and we have assisted the locals as well as the clients we serve in the surrounding areas.

When a creature has entered the home, it usually involves property damage to the structure. Homes are made to keep creatures out. Therefore it stands to reason that if something has entered the home without your knowledge, it is due to their being a hole or some other structural damage to the home. Your policy must be reviewed to ensure that the damage to the structure of your home is protected. The agent will review the type of damage. The amount of wear and tear that your home has incurred. The amount of time that has transpired since the section of your home that has been damaged has been initially installed or has been repaired or maintained.

A quick call to your agent is in order before you embark on your catching expedition as many homeowners exacerbate the damage.

Nature happens, but the skilled professionals employed at Hamilton Fox & Company serving Pinecrest, FL and the surrounding areas are trained to ask the right questions and make fair and accurate assessments to ensure that natural wildlife stays on the outside of your home where they belong. After the circus has left town your home will be no worse for a visit.