Property
Building - Coverage is for structure described in the declarations, including building, permanently installed fixtures, machinery and equipment; outdoor personal property to service the premises including fire extinguishers, outdoor equipment.
Business Personal Property - Covers personal property inside the building that is not permanently attached. It does cover furniture and fixtures, machinery equipment, inventory. Personal property extends to 100 feet of the premises.
Liability coverage is provided for your operations and all premises you own, operate, or lease. This protection includes:
Bodily Injury
Property Damage
Personal Injury
Advertising Injury
Medical Payments
Products and Completed Operations
Damage to Premises Rented
Whether a business owner with one vehicle or with fifty vehicles you will need a commercial automobile policy. At ISTB, we have been writing such insurance for over 40 years and helping the Tampa Bay community determine the insured’s needs.
Surety bonds provide a guarantee of performance and principles of various objectives.
Contract Bonds include bid, performance, payment/supply, subdivision and maintenance.
Commercial Bonds include court, judicial, license/permit and miscellaneous.
Under Florida law if you are in the construction industry you are required to carry workers compensation even if you have one employee. If you are in the non-construction industry you are required to carry workers compensation for 4 or more employees.
Umbrella - A separate policy that will cover over your General Liability, Automobile & Workers Compensation and provides limits in excess of your primary.
Excess Liability - A separate policy will cover over your General Liability, and provides limits in excess of your primary.
Renters
Renters don’t insure a dwelling or apartment structure, your coverage begins with personal property. The Renters policy is a package policy and includes property insurance covering damage to your belongings, liability insurance covering certain legal claims against you as the tenant, and limited coverage for medical expenses of guests who are injured on your property.
A Condominium or Unit-Owners Policy is similar to a Homeowners Policy. It’s a package policy including coverage for your condo, its contents and loss of use. The policy has liability coverage for unintentional acts that cause bodily injury. With a condo, you don’t own and insure the exterior, so your cost may be less. Your master deed usually contains an insurance requirements section, sometimes found in the condominium association bylaws.
Homeowners
Customize an insurance portfolio that will protect your property, certain legal claims against you for which you may be liable, and limited coverage for people who are injured on your property.
Florida homeowners are at risk for specific events, such as sinkholes, floods and hurricanes.
Liability
The function of the auto liability insurance is to pay on behalf of the insured money damages for which the insured becomes legally liable for bodily injuries or property damages.
Medical Payments
Is an auto insurance coverage that pays expenses incurred for necessary medical and funeral services to a person injured by accident.
Uninsured and underinsured motorist coverage protects drivers when the other driver either doesn’t have enough auto insurance or none at all.
Collision
A type of physical damage insurance which covers loss due to the insured striking another object.
PIP can cover expenses related to injuries you sustained in a covered accident. These expenses can include medical and hospital bills as well as expenses not covered by your health insurance. Coverage will vary depending on the state you live in, and it can be a great supplement to your health insurance.
Covers all direct and accidental loss not covered by collision coverage except what is excluded.
Health insurance protects your savings, your business, and most importantly your health.
Most health insurance policies provide coverage for the following:
Preventive/Wellness Care Visits
Doctor’s Office Visits
Prescriptions
Lab Work/Testing
Hospitalization
Outpatient Surgery
Long-term care (LTC) refers to a range of services designed to meet the personal and health care needs of individuals who have chronic illnesses, disabilities, or conditions that require assistance over an extended period of time.
Group
Group health insurance can cover the employer, employees, and their dependants. Having group health insurance is good for your business because it will help you find and keep the best workers. And your employees get the peace of mind of having medical coverage in case they get sick or injured. Also, if an employee has a pre-existing medical issue that would make them ineligible for an individual plan, they can not be turned down from your group health plan.
