Do you own a business, or are you thinking of starting one? Do you live in the Inlet Beach, FL area? If so, the professionals at Dune Lakes Insurance can help you.

One of the most vital parts of a business operation is protecting it from devastating financial loss. Many times, that is the difference between continued operation and shutting down. The best investment a business owner can make is a commercial insurance policy.

A long-term struggle involves owning a business, and keeping it financially viable is not always easy. But protecting your company from unforeseen lawsuits or disasters is the best way to protect your business.

There are different types of commercial insurance you can obtain.

• Business interruption coverage is an option that helps if you need to maintain your income in the event of a disaster.
• Disability insurance is an optional coverage that helps you if you become disabled or too ill to run your business. You may also receive a partial income if disabled.
• Liability insurance protects you if a client or employee is injured on your property. It helps with medical costs and legal fees in case of a lawsuit.
• Property damage insurance provides relief if your business suffers damage or is destroyed by flood, fire, storm, or other weather events.
• Workers’ compensation offers protection if an employee gets injured during their working hours. The injured employee could receive paid time off and medical coverage for the sustained injury. Without this coverage, your business could be faced with paying for these expenses out of pocket.

Dune Lakes Insurance serves Inlet Beach, FL, and the surrounding area. If you are a business owner or thinking of becoming one, make sure you obtain commercial insurance to protect your livelihood. Contact Dune Lakes Insurance today. You will be glad you did.

Dune Lakes Insurance proudly serves the Inlet Beach, FL business community. If you are worried about liability risk, it’s time to consider umbrella insurance. Call our office today and schedule a consultation to learn more. 

Benefits of umbrella policies for Florida companies

One of the most important coverages to have when it comes to commercial insurance is liability protection. This type of insurance is included in most commercial policies, but the policy levels are not always sufficient. Companies that operate in highly litigious industries or in public-facing retail operations that can have a lot of slip-and-fall lawsuits will need a higher level of liability protection. This means that it makes sense to carry supplemental liability protection. 

If a primary commercial policy meets or exceeds the liability coverage levels, an umbrella policy will come into play. This policy will provide the business owner with additional liability protection to avoid any personal liability.

Owning a successful business comes with a lot of risks. In our current environment, protecting a business from lawsuits can be an ongoing concern. It makes sense to review all of the available policy options. This allows business owners to determine which policies best meet their needs and what level of coverage is suitable for their business concerns. 

Schedule a consultation today

Inlet Beach, FL area business owners turn to Dune Lakes Insurance. Our team is here to help you with your commercial insurance needs. We understand how much hard work goes into starting and maintaining a successful business. Call our office today and schedule a consultation.

We look forward to working with you!

When you are in the Inlet Beach, FL area, you can find that the region of the state is a great place to start a business. If you want to be a business owner in this area, it is vital that you protect your business with insurance. Generally, having full coverage can protect your organization and is required. Companies should invest in a full commercial insurance plan for various reasons. 

Cover any Business Assets

An important reason to have a commercial insurance plan in this part of Florida is to ensure your business assets are appropriately covered. Any company that is looking to grow in this region will want to have proper assets to help support growth and operations. If you have a commercial insurance policy, it will give the coverage needed to ensure these critical assets are protected. 

Reduce Liability Risks

It is also an excellent option to have a commercial insurance plan to offset and reduce liability risks. If you own a business, there is always a chance that you could be named in a liability claim. A great way to mitigate this risk is by investing in a commercial insurance plan that includes a liability insurance provision. This will help ensure you and your business are supported if found liable for an accident that results in damages for another party.

It is always helpful to have commercial insurance when running a business in the Inlet Beach, FL area. When you are ready to start looking for coverage in this region, calling the team with Dune Lakes Insurance is a great way to start. The professionals with Dune Lakes Insurance will give the support needed to select a plan that will adequately protect your organization. 

Most people are familiar with the basic types of insurance, such as health, car, and homeowners insurance. But there is one type of insurance that many people don’t know about: umbrella insurance. Umbrella insurance is designed to provide additional coverage beyond the limits of your other policies. Dune Lakes Insurance in Inlet Beach, FL offers you this guide on when you might need umbrella insurance. 

5 Times You Might Need Umbrella Insurance

1. You Have Valuable Assets

It’s not just the rich who need to be concerned with protecting their assets. Anyone with a substantial amount of assets should consider how those assets could be exposed in an accident, lawsuit, or other unexpected events. For example, if you were to cause a serious accident that resulted in the death of another person, your personal assets and any business or investment interests you have could be at risk.

2. You Have Teenage Drivers in Your Household

If you have kids who are just learning to drive, it’s important to make sure that they, and others on the road with them, are protected. If a teenager causes an accident due to inexperience or negligence, you could be sued for damages beyond the limits of your auto insurance. Having an additional coverage step such as umbrella insurance can help protect you from unexpected costs.

3. You Are a Business Owner

If you own a small business, it’s important to have adequate coverage in the event of an accident or lawsuit. Your general liability insurance may not be enough to protect your interests fully. Umbrella insurance can provide an extra layer of protection for your business and its assets.

4. You Frequently Travel

If you travel often for work or pleasure, you may be exposed to additional risks. For example, if you were to cause an accident while driving in another state, your auto insurance policy may not cover the full amount of damages. In this case, umbrella insurance would provide the extra coverage you need.

5. You Participate in Recreational Activities

If you or your family enjoy sports and other activities that can pose an injury or damage risk, it’s important to have adequate insurance coverage. For example, if you are an avid golfer and injure someone with your golf ball, you could be sued for damages. If you have umbrella insurance, you would be protected against any costs that exceed the limits of your golf or general liability insurance.

Get Umbrella Insurance in Inlet Beach, FL 

Umbrella insurance can help protect you from unexpected costs in various situations. Whether you have valuable assets, teenage drivers, or a business to protect, umbrella insurance can provide the extra coverage you need to stay protected. Dune Lakes Insurance offers affordable umbrella insurance policies that can help safeguard your interests and assets. To learn more, call us today.

Did you know that many Americans strongly believe that only those regions that are designated as flood-prone areas can only experience flooding? That is a misplaced misconception because everywhere it rains, it can flood. That said, it’s pivotal to consider buying a flood insurance policy from Dune Lakes Insurance in Inlet Beach, FL.

Are you still having doubts about flood insurance? Here are the reasons why you should invest in flood insurance.

Protection of assets.

Do you ever think of how much your home cost? Probably thousands, if not millions of dollars! Your dwelling is one of the most precious investments in your lifetime. As such, it warrants solidified protection from imminent calamities. This coverage safeguards you from incurring costly out-of-pocket repairs. Flood insurance covers your building’s walls, roof, floor, permanent fixtures, and other areas listed in your policy.

To safeguard your family and loved ones.

Nothing is comforting like getting assured that your family and loved ones are protected if unexpected disaster strikes. Home is a safe destination for your family and pets. If floods transpire today, your family and loved ones might encounter the challenge of being relegated to homelessness. To avert these troubling moments for your loved ones, procure flood insurance to ensure that you revert to normal after flood damage.

Provision of peace of mind.

The unpredictability of weather exposes one to the likelihood of a given calamity striking at any given moment without prior warning. Unprecedented menace like flooding manifests itself with devastating effects. Therefore, the only way to wipe these worries whenever a storm is looming is by purchasing flood insurance to offer financial protection during unforeseen events.

Flooding is one of the most devastating perils experienced in America, including in Inlet Beach, FL. Luckily, you can protect your home and loved ones with flood insurance. Ready to get started with flood insurance? Don’t hesitate to contact our agents at Dune Lakes Insurance today.

Attention business owners of Inlet Beach, FL! Are your commercial liability policies up to date? An accurate assessment of your liability insurance requirements is vital. The folks at Dune Lakes Insurance are available to help you assess your liability needs.

Liability is one of two main aspects of commercial insurance (the other is property insurance) and provides financial protection and compensation against the loss or damage to someone else’s property or for injuries sustained while on your premises or while using your product.

Any business with employees in FL is required to carry workmen’s compensation insurance, aka employer liability insurance. This type of liability insurance provides financial cover if an employee should be injured while working. Depending on the policy structure, this may provide cover for medical bills, loss of income benefits, and even protection from lawsuits brought by the employee against the employer for work-related injuries.

Small businesses will sometimes purchase some called a business owner’s policy (BOP). This policy may include aspects of cover for liability, property, and commercial auto insurance. Commercial auto insurance specifically should have its own liability section.

Another type of liability insurance for businesses is commercial general liability insurance. This type of liability insurance is for bodily injury (BI), and property damage (PD) claims.

Commercial umbrella insurance is an unusual type of commercial insurance that sits above your primary policy and is usually for liability claims over and above the norm and is normally used when your main liability policies are exhausted.

Dune Lakes Insurance serving Inlet Beach, FL is there to help you navigate your liability insurance requirements. Speak to a consultant today and make sure you are adequately covered for liability.

When shopping for insurance, whether it is for your home, automobile, or even your business, you may be quite confused. There are so many different plans, with different costs, making it even harder to choose. 

You may also be given the option to add umbrella insurance to your plan. You may be wondering exactly what it is. 

Personal umbrella insurance will go above and beyond your normal insurance plan. You can’t get umbrella insurance by itself. Instead, it works with your insurance to give you extra coverage. 

Since most plans have a limit to how much they will pay, you may want to look into an umbrella plan. Once the cost to repair your home or your medical bills get to a certain point, your insurance won’t have to cover anything else. If you can’t afford to spend an extra few thousand dollars if your car is totaled or your home needs major repairs, you may want the extra protection that you get from an umbrella plan. 

Those that have expensive property, such as art and jewelry, may also want to take an umbrella policy out on them. If someone breaks into your home and takes your property, your homeowner’s insurance may only cover so much when it comes to replacing your possessions. It may not cover the ten thousand dollar necklace that you love so much! 

Umbrella insurance is just some extra insurance to make sure that you are covered, just in case. It will cover extra medical bills or property damage once your regular insurance reaches the limit.

If you are unsure about whether you need umbrella insurance, you should speak to a professional. Here at Dune Lakes Insurance in Inlet Beach, FL, we would be glad to talk to you about your needs. 

Florida is one of the most beautiful states to live in as we have generally wonderful weather almost year-round.  But, as with virtually all places around the world, there’s always a flip side to beautiful climates.  For example, In southern California, you always have the risk of wildfires and earthquakes. 

For Florida, the big flip side is the proximity to water and with it, tropical storms and hurricanes.  A vast majority of these storms that form out in the Atlantic Ocean do end up missing Florida.  But, there’s always that chance that there’s a direct hit from a storm and with it comes high winds and heavy rains.  For this reason alone, flood insurance is highly recommended for any dwelling.  Dune Lakes Insurance in Inlet Beach, FL offers flood insurance for condos and other types of dwellings.

Condominiums

If you own a condominium, chances are that your HOA (Homeowners Association) does not provide flood insurance for the buildings.  You can, however, purchase flood insurance to protect your individual unit from flood water damage.  The actual structure itself may not be protected in the event of a flood, but at the very least, your items will be protected due to the flood insurance coverage.

Keep Everything Itemized!

It’s a good working practice to keep a booklet that lists everything inside your condominium.  List everything from articles of clothing to cutlery inside your kitchen drawers.  Don’t keep this booklet inside your condo as the booklet could be damaged in the event of a flood.  You should keep this booklet someplace safe at a different location.  A good place for it would be a Safe Deposit Box at your local bank or a PO Box at your local Post Office.  Also, keep the booklet inside a double or triple-sealed freezer bag or better yet, if you have a food bag sealing device, use that to seal the booklet up.  If you want to be extra safe, you can seal another bag over the sealed bag to offer up twice the protection.  This is protection in case the alternate location (post office, bank, etc.) also floods during the same storm event.  

More Information

If you would like to learn more about flood insurance for condos, please contact Dune Lakes Insurance in Inlet Beach, FL today!

Anyone that would like to own a business should consider starting one in the Inlet Beach, FL area. This part of the country continues to see population growth and a good economy. As you are looking to build a business in this area, you can find that it will come with various risks. Fortunately, a commercial insurance policy can protect you and your business in several ways. 

Coverage Offsets Liability Risk

A reason that you should consider getting commercial insurance is that it can help to offset your liability risk. Anyone that intends to start a company will quickly find that they take on liability risk regularly. Fortunately, if you invest in a full commercial insurance plan, you will get the coverage needed to mitigate this risk as it will provide you with commercial liability insurance protection.

Coverage Protects Business Assets

You should also get a commercial insurance plan as it will protect assets owned by your business. Those that choose to buy assets for their company will want to know that they will be protected and be accessible for a long time. A commercial insurance policy offers the necessary protections to ensure you have the capacity to repair or replace these assets if certain losses are incurred. 

Those that are business owners in the Inlet Beach, FL area will always want to make sure that their company is properly protected. A great way that this can be done is by working with a professional to discuss your insurance needs. The team with Dune Lakes Insurance can offer all of the support that you need to build a proper commercial insurance plan. Dune Lakes Insurance is able to do this by carefully assessing your needs and finding ways to mitigate certain risks your business faces. 

Those that live in Inlet Beach, FL are going to have various insurance needs. One type of insurance that should never be overlooked is umbrella insurance. This is a unique type of insurance coverage that will provide you with excess personal liability support. If you do live here, you should consider getting this type of coverage for a few reasons. 

Coverage Protects Against More Scenarios

A reason you should consider umbrella insurance a necessity in this part of Florida is that it can give you support against more scenarios. A lot of people in this part of Florida will have auto and home coverage plans, which do offer some liability support. However, the coverage scope under these plans is limited compared to other types of insurance. If you get an umbrella insurance plan, you will get the support you need to protect against more situations that can come with a liability claim. 

Coverage Offers Protection Against Larger Claims

Another advantage of umbrella insurance is you will get coverage against larger claims. If you are ever responsible for a serious accident, there is a chance that damages can exhaust your existing insurance plans, and you will need to pay the difference out of pocket. When you get umbrella insurance, it will give protection that is on top of your existing plans. 

There are a lot of reasons that those in the Inlet Beach, FL area should opt for an umbrella insurance plan when they want to offset their personal liability risk. If you are looking for a plan in this area, calling Dune Lakes Insurance is always a good idea. If you would like to call Dune Lakes Insurance, you can get the support needed to understand your liability risks and build an appropriate plan.