What Does Commercial Insurance Cover?

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The agents at Dune Lakes Insurance serving the Inlet Beach, FL area are stressing the importance of having a commercial insurance policy in place if you are a business owner in Florida. Commercial insurance is an essential type of insurance designed for businesses to help them avoid financial loss or liabilities.

Commercial Auto Insurance

A minimum amount of liability auto insurance is required in Florida as it is in the other 50 states across the country. This law applies to business owners as well. This means if you own a vehicle for your business or you use a vehicle for business purposes, you must ensure that you maintain at least a minimum amount of liability auto insurance.

Commercial Property Insurance

Commercial property insurance is extremely important for business owners since it will help safeguard your business against any losses or damages from theft, natural disasters, vandalism, or fires. If you lose inventory or equipment or your building burns down, this type of insurance will help you rebuild your business quickly.

Commercial Liability Insurance

Commercial liability insurance is also critical for business owners to have in place. This is because it can protect your business from lawsuits and other legal claims. It’ll help you pay for any bodily injury or property damage that occurs because of your business operations. It can even help if someone claims you committed professional negligence or did not give them proper services.

Contact Dune Lakes Insurance

Call the commercial insurance specialists at Dune Lakes Insurance serving the Inlet Beach, FL area today to get your commercial insurance policy started.

What are the main reasons for getting umbrella insurance in Florida?

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Anyone in the Inlet Beach, FL area will want to ensure they have proper personal insurance. Umbrella insurance is an excellent form of insurance to consider getting in this part of Florida because of its liability benefits. This is a type of personal liability insurance that offers various benefits that are unmatched by other plans.

Increased Liability Coverage

One advantage of an umbrella plan is that it provides additional personal liability coverage. If you have a home or auto plan, you already have some liability coverage for accidents that pertain to those policies. However, these plans will always have a cap on them. This means that you may still need to cover damages if they exceed the policy. If you have an umbrella plan, it will give you the additional liability protection that you need as it comes into effect when other procedures are exhausted. 

More Scenarios are Covered

An umbrella insurance plan is also helpful as it covers more scenarios. While home or auto plans will give some practical support, they are somewhat limited. If you carry a full umbrella plan, it will offer liability protection for far more scenarios. This coverage can help ensure you are supported for risks that are harder to prepare for. 

Getting the right umbrella insurance policy is crucial for anyone in the Inlet Beach, FL region. If you’re ready to begin your search for coverage, our team at Dune Lakes Insurance can provide you with the information you need. Our experts at Dune Lakes Insurance understand the importance of this type of coverage and are equipped to assist you in developing an insurance policy right for your situation. 

What is the benefit of having home insurance in Inlet Beach?

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The Inlet Beach, FL area can be a great place to own a home. The strong local economy, good tourist demand, and other factors have helped property values here continue to rise. If you purchase a home in this part of Florida, it will be very important that you also get insurance for it. There are a lot of benefits that will come with getting home insurance. 

Protection for Assets

A great reason to have a home insurance policy in the Inlet Beach area is to protect your assets. If you intend to buy a home, you will want to know that it is appropriately covered with insurance. You also will want your personal items to be covered. If you have the right insurance, you will get the support you need in these cases. 

Manage Insurance Requirements

You should also get this coverage to help manage your requirements. Most property owners must carry some form or level of home insurance. If you get an insurance plan, it can keep you in good standing with your mortgage requirements, home association, or other requirements that you have. This can help you avoid various forms of penalization that can come with a lack of coverage. 

If you are going to buy a home in the Inlet Beach, FL area, it is essential that you get proper insurance for it. When you are ready to start looking for coverage, calling our professionals with Dune Lakes Insurance would be a great idea. Our insurance team with Dune Lakes Insurance can help you properly assess all of your options and needs and give you the support you need to get into a new plan. 

What does home insurance cover?

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There are a variety of things to think about when buying a home. You have to have enough money for a down payment and closing costs. You need to have good credit for a decent loan. You have to pack up everything to move into your house. One crucial thing many people don’t consider when buying their home is insurance.

What is home insurance?

Home insurance protects you from paying out of pocket for damage and liability. You find a policy that is right for you, then pay a monthly premium. When something happens, you file an insurance claim with the insurance company to receive compensation for your losses.

What things does home insurance cover?

That’s all fine and dandy, but what does home insurance cover? That’s a great question. There are a few different categories that home insurance covers. Keep reading to find out what all home insurance covers.

Dwelling coverage

Dwelling coverage includes the inner and outer structure of your house.

Other structures

Other structures coverage refers to structures other than your house on your property. The other structures include a fence, a detached garage, barns, sheds, and other things that may be on your property.

Living expenses

If something happens and you are not able to live in your house, your insurance will take care of some of the costs. These costs include hotel rooms, meals, and any other necessities that you might need.

Liability

Unfortunately, accidents happen. This is where liability insurance comes in. If someone gets injured on your property, you are liable. Instead of paying out of your pocket, liability insurance pays for the damage or injuries.

Personal property

Dwelling coverage covers the structure of your home, but you still have your personal items to worry about. Personal property coverage can take care of your personal effects if they get damaged in a fire.

Contact Dune Lakes Insurance

Contact us at Dune Lakes Insurance in Inlet Beach, FL for more information.

Does Commercial Insurance Cover Customers Injured in a Robbery?

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As a business owner, knowing the ins and outs of your commercial insurance policy is essential in Inlet Beach, FL. Among other things, you need to be aware of what is covered in the case of an incident involving customers or visitors to your establishment. In particular, you may wonder if commercial insurance from Dune Lakes Insurance covers customers injured in a robbery. 

Does Commercial Insurance Cover Customers Injured in a Robbery? 

In most cases, commercial insurance will cover customers injured in a robbery at your place of business as long as they are not actively involved in the crime. General liability policies often cover these types of incidents and can help protect you against financial losses related to medical bills and legal fees if needed. However, certain exclusions may apply depending on your policy details, so it’s essential to speak with one of our experienced commercial insurance agents at least once a year to ensure your policy covers your business’s current needs.

At Dune Lakes Insurance, we understand how important it is for businesses in Inlet Beach, FL, to protect themselves financially from potential risks associated with running their operations. We provide comprehensive commercial insurance policies tailored specifically for each unique business and its needs. Our team is here to answer all your questions about whether or not your policy covers customers injured in a robbery—so don’t hesitate to call us today! Together we can determine what type of policy is right for you and ensure you get the best possible protection at the most affordable rates!

Three things you might not know about umbrella insurance

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Umbrella insurance can offer Inlet Beach consumers complete financial protection. Dune Lakes Insurance offers umbrella insurance policies to keep your financial future bright and secure.

The following are three things that you might not know regarding umbrella insurance. 

Umbrella insurance complements your auto, home, and other insurance policies.

Umbrella insurance is not a standalone type of insurance. It would be best to have a home or auto insurance policy that your umbrella insurance policy can complement.

Umbrella insurance coverage is added to your home or auto insurance coverage when you file a claim to cover a considerable liability expense. 

Umbrella insurance is good to have if you participate in certain activities.

Consumers especially need umbrella insurance when they participate in activities that put them at risk of facing high liability expenses. You should consider the activities that you participate in when determining whether you need umbrella insurance and how much you need.

Public figures are especially likely to benefit from umbrella insurance since they may face libel or defamation lawsuits. Consumers who coach kids’ sports, host house parties, or rent out properties should also look into umbrella insurance’s benefits. 

Umbrella insurance does not cover damage to your home or possessions. 

Consumers need to understand that umbrella insurance only covers liability expenses. Umbrella insurance does not offer any coverage for expenses resulting from damage to the policyholder’s own personal property. 

Do you have questions about umbrella insurance? We can provide the answers you seek at Inlet Beach, FL. Get in touch with us at Dune Lakes Insurance. You can get a quote from us on the umbrella insurance policy that’s right for you. 

Three Essential Tips to Keep Your Home Safe During a Flood

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Floods are a common yet dangerous weather phenomenon in Inlet Beach, FL. When a flood is imminent, it’s essential to be prepared and keep your home safe from damage. Here are three crucial tips from Dune Lakes Insurance to ensure your home stays safe during a flood.

Make Your Basement Waterproof

It would be best if you made your basement waterproof to prevent water damage and protect your belongings from potential flooding. To waterproof your basement:

  • Install a sump pump 

  • Seal cracks and crevices in the walls and floor

  • Apply waterproofing paint or membrane to the walls and floors 

  • Install a drainage system around the perimeter of the basement 

  • Use a dehumidifier to keep humidity levels low

Raise and Anchor Utilities

Raising utilities can help prevent water damage from flooding. To protect your electrical and gas items, you should raise them off the floor. This could include elevating furnaces, water heaters, electrical panels, and other equipment. You may need to use concrete blocks or other materials to do this. Move furniture and appliances away from areas that are prone to flooding.

Keep Gutters and Downspouts Clear

Keeping gutters and downspouts clear helps to ensure that the water is quickly and efficiently directed away from home, reducing the risk of flooding. This will help prevent the water from pooling around the foundation, onto the roof, and into the house.

We at Dune Lakes Insurance of Inlet Beach, FL offer flood insurance for our clients. Floods can be devastating, and we understand the importance of protecting your property from such an event. We are dedicated to providing quality flood insurance, and we look forward to being able to serve you with this essential coverage.

Home Insurance: Hurricane Season in Florida

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Hurricane season in Florida can be a disaster of epic proportions. Each year, residents risk losing their homes and every asset inside. The effects can be dire, but there are ways of protecting your belongings. Maintaining adequate home insurance is paramount in rebuilding after a natural disaster sweeps across the state. It can mean the difference between having nothing left and ultimately regaining everything. However, you must determine what insurance policy you will need to secure your items.

Hurricanes can obliterate entire neighborhoods in a matter of minutes, covering the land with several feet of water. Don’t you want to ensure that your home is protected and can be repaired without extra stress?

The most important thing to keep in mind when shopping for home insurance is to be proactive. You want to ensure everything is taken care of before hurricane season hits. That way, you can have peace of mind for several months before the storms make landfall. Contact the professionals if you are unsure what type of policy you need.

Dune Lakes Insurance in Inlet Beach, FL will walk you through the steps to securing the correct coverage for your budget and by state laws. Although it is NOT illegal to not have a home insurance policy in Florida, there are multiple reasons why you still need to find coverage. That is why Dune Lakes Insurance is here to help. Insurance is their area of expertise, so call them today and get the process started. If you are in the Inlet Beach, FL area, stop by the office during business hours and discuss policies with the experts.

Protect Your Livelihood with Commercial Insurance

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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.

Worried about liability protection for your company? Look into an umbrella policy

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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!