Archive for September 2020
Why Buy Business Insurance
When you put the basis of your own business you want to see it grow steadily and become a successful organization. But how can you do that if you don’t have the guarantee that your business is protected against dangers and unforeseen events? Here is why you should buy business insurance:
Get peace of mind with the right business insurance
If you have a proper business insurance policy you can rest assured that your business is safe. And therefore, with the business insurance up to date, you can stop worrying about dangers and start focusing on opportunities.
No matter what type of business you run in Miami, you will need business insurance. But there are different types of insurance for every kind of business, so it is better to discuss your business needs with an insurance agent.
Choosing the right business insurance types for your particular business
Depending on the type of business you have, and taking into consideration other factors such as how many employees you have or whether or not your business owns automobiles, the insurance agent will be able to present to you various options for a personalized business insurance. Among the most common types of business insurance are the public liability insurance and the employers’ liability insurance.
Consider this business insurance as a long-term investment
A particular kind of insurance that might catch your interest is the professional indemnity insurance. This kind of insurance is created for business owners who want to protect themselves and their businesses in case they make a mistake. This business insurance protects the business from bearing the cost of legal defense fees or compensation bills that are issued as a result of claims being made for a mistake or bad (unprofessional) advice.
If you want to buy a business insurance policy but are not sure what type of insurance you need, or if you want to talk about your coverage with an insurance agent, contact a representative of Filer Insurance now for more details.
At Filer Insurance, Inc., we have been providing Home, Auto and Business Insurance in Miami and South Florida since 1919. We would very much like to have you as one of our customers. Please give us call or come by our office for a free quote on your insurance.
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Proper Car Insurance: Do you carry it?
Owning and driving a vehicle is risky business and the only effective way to cover your risks is with proper auto insurance. If you want proper car insurance in Coral Gables, Cutler Bay, Kendale Lakes, Kendall, Miami, Palmetto Bay, Pinecrest or The Hammocks, then you should consult with the team at Filer Insurance.
Insurance can be something of a mind field for the uninitiated and auto insurance is no exception. There are many clauses, conditions, exceptions, exclusions coated in legal jargon that makes it almost impossible for average person to decipher. The good news is that you don’t have to. That is why there are professionals such as the people at Filer Insurance who have the experience and knowledge to arrange car insurance for you that is good and proper.
When you have affordable auto insurance that is proper then you don’t have to worry about being sued for negligence as your liabilities will be covered. You don’t have to worry about collision damage to your vehicle and you don’t have to worry about your vehicle being stolen because they will have you covered.
With proper car insurance you also won’t pay too much. At the same time you won’t be underinsured or financially exposed to risks that are real. Effective car insurance will also extend to cover other vehicles you might own. Proper car insurance can also cover valuables and goods in transit. It can also take care of alternative transport while your car is repaired or replaced.
So the question is “Do you have proper auto insurance? “ The simple answer is if you are paying too much or financially exposed to real risks then you do not have proper car insurance. Why not contact the professionals for a free consultation regarding your insurance portfolio.
At Filer Insurance, Inc., we have been providing Home, Auto and Business Insurance in Miami and South Florida since 1919. We would very much like to have you as one of our customers. Please give us call or come by our office for a free quote on your insurance.Like us on Facebook!
Homeowners Insurance Coverages
Do You Have Additional Coverage For Homeowners Insurance?
When you’re searching for homeowners insurance, think about it as more than just a piece of paper that could save your property “just in case”. Think about it as the one document that can save your home in case of unwanted damage.
Things the homeowners insurance should cover – basics
So when choosing the right homeowners insurance for you, make sure it suits your needs and that it also covers any unpredictable damages. For example, if you live in Coral Gables, Cutler Bay, Kendale Lakes, Kendall, Miami, Palmetto Bay, Pinecrest, The Hammocks, then it is better to choose a type of policy that suits the type of your home, your property’s location, as well as your lifestyle.
It is equally important to stay within your budget when searching for homeowners insurance. But if you feel like the policy is not enough, consider choosing some additional coverage. When all the documents are ready, you want to be sure that the homeowners insurance covers the costs of rebuilding and furnishing your home.
Why get additional coverage for homeowners insurance?
Additional coverage is not compulsory, it is optional. However, many insurance agents recommend it to people who feel like the standard homeowners insurance is not what they really need to keep their property safe.
To answer the question above, you should get additional coverage if you don’t think your property is fully covered by your standard insurance. Here are some examples of additional coverage for homeowners insurance that you can get in your area from Coral Gables, Cutler Bay, Kendale Lakes, Kendall, Miami, Palmetto Bay, Pinecrest, The Hammocks:
– Special coverage for contents
– Contents replacement cost coverage
– Valuable items plus
– Coverage for water back-up
– Green home coverage
Most people who get additional coverage for their homeowners insurance do it for flood coverage. Flood coverage is not included in a standard home insurance, so if you live in an area that can be affected by flooding it is a type of additional coverage you should take into consideration.
At Filer Insurance, Inc., we have been providing Home, Auto and Business Insurance in Miami and South Florida since 1919. We would very much like to have you as one of our customers. Please give us call or come by our office for a free quote on your insurance.Like us on Facebook!
Home Repairs Insurers Will Love
Your home insurance policy may not provide benefits for repairs you do around the home, but that doesn’t mean these repairs don’t help keep your home insurance premium low. This is because some home repairs and renovations can proactively lower your premium, while others lessen your risk of claims exposure and reduce potential damages which can result in fewer premium hikes.
Fix That Swimming Pool Fence
If you have a pool, your home insurance policy likely requires that you have a latching safety fence around it. But if your fence has openings or a broken latch, it is not providing the protection that you need. Fix the fence and you’ll reduce the likelihood of a child getting in the pool unsupervised.
Repair That Roof
A leaking roof may not, in itself, be an insurable incident covered by your policy, but it could indicate that you have an older roof built to weaker code standards than those that are currently required. Getting your leak fixed will help keep your roof, ceiling and support beams strong and able to withstand more damage from inclement weather. It can also point out any big weaknesses in your roof construction which can subsequently be fixed and brought to current code.
Even if your roof isn’t yet leaking, it could still be in need of repair. Check for loose or broken shingles and flashing that could become a projectile during a violent storm, and make the appropriate repairs.
Get Those Stones Secured
Loose and uneven pavers and stones outside your home can be a tripping hazard to visitors. Fixing your pavers and other walkway stones will reduce the risk of accidents and subsequent liabilities.
Upgrade Your Appliances
From furnaces to stoves, water heaters to refrigerators, washers to dryers, your appliances are relied on daily by your family. Older appliances are not only at risk for total breakdown when you need them most, but they may also be fire hazards and energy guzzlers. Replacing your older appliances reduces your risk of fire and gives you an opportunity to upgrade to models that use less electricity.
Supplement Fire Safety With a Sprinkler System
Renovating your home so that it has a sprinkler system will not only keep your family safer in the event of a fire, but it can lower your insurance premiums and reduce the risk of losing precious, irreplaceable family heirlooms and pictures.
Activate the Security System
If you have a non-operational security system, you are missing out on a new and easy way to decrease the likelihood of theft or vandalism when you are away from home. Fix your security system or install a new one in order to protect your home and immediately reduce your insurance premiums.
Replace Old Windows
Older windows may not be tough enough to withstand hurricane force or other high winds. By replacing your windows, you can make your home more energy efficient and reduce the likelihood of insurance claims after a storm.
Sort Out Storm Shutters
Shutters and awnings are designed to add an extra layer of protection to your home in the event of a weather-related disaster. If you have broken or weak shutters or awnings, replace them and you’ll have fewer claims to show for it.
Restore Your Electrical System
If your electrical system and wiring are as old as the hills it’s a good time for an update. Not only will you reduce your risk of an electrical problem that results in a fire, but the introduction of ground wires in your outlets will lessen the risk of damage to your electronics.
If you want to find out how your planned repairs and renovations will affect your home insurance premiums before you get them done, give us a call at 305-270-2100. We can even discuss other ways that you can help control your home insurance premiums.
At Filer Insurance, Inc., we have been providing Home, Auto and Business Insurance in Miami and South Florida since 1919. We would very much like to have you as one of our customers. Please give us call or come by our office for a free quote on your insurance.Like us on Facebook!
Car Insurance Myths To Keep In Mind
Don’t Believe Everything You Hear About Car Insurance
There have been a lot of things about car insurance over time, and if you are trying to get auto insurance at the moment, try not to believe everything you hear before purchasing. Car insurance depends on your coverage and rate system, but it’s important to understand all the details of the process and its true facts.
Some common myths about car insurance
Age matters – Some people have the misconception that if you are too old you will not be able to purchase auto insurance at the same price as everyone else. That is a myth about car insurance. It doesn’t actually cost more to ensure your car if you are older. On the contrary, a lot of people have actually received reduced price insurance on their vehicle, even if they were over 50 years of age.
Credit doesn’t matter – A very big myth about car insurance. A lot of companies look for your insurance rate in order to figure out just how well you manage your financial transactions. If you have a good credit score you will most likely qualify for a reduction in auto insurance rates.
Car insurance applies to anyone driving your car – This is a car insurance myth that will get you into trouble. If there is an accident involved and somebody else is driving your car, it doesn’t mean that the auto insurance will apply. Although for the most part the owner’s insurance company must pay for the damages, this does not apply to every state. The policies regarding this issue are not all the same and people must take them into consideration before letting others drive their car.
Optional coverage – This refers to the comprehensive and collision coverage. Your insurance might not work if your car is vandalized or destroyed by flood or fire. You need to buy additional coverage in order to fully protect your car from possible damage.
If you want to purchase auto insurance, make sure to get informed about these aspects and contact your local lender in Coral Gables, Cutler Bay, Kendale Lakes, Kendall, Miami, Palmetto Bay, Pinecrest or The Hammocks.
At Filer Insurance, Inc., we have been providing Home, Auto and Business Insurance in Miami and South Florida since 1919. We would very much like to have you as one of our customers. Please give us call or come by our office for a free quote on your insurance.Like us on Facebook!