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Do You Need Commercial Insurance for Your Business?

When it comes to insuring your business, there is no one-size-fits-all solution. The type of insurance you need will depend on the nature of your business, the size of your operation, and the products or services you offer. However, in most cases, commercial insurance is a wise investment. If you’re not sure whether commercial insurance is right for your business, consider these benefits.

1. It Can Protect Your Business From Liability

Did you know that your business could be liable for damages even if you didn’t do anything wrong? If a customer is injured on your property or a product you sell causes harm, you could be sued. Commercial insurance can help cover these costs, protecting your business from financial ruin.

2. It Can Help with Compliance

Certain types of businesses are required by law to carry certain types of insurance. For example, many business owners are required to have workers’ compensation insurance. If you’re unsure what kind of insurance your business requires, an insurance agent can help you determine which policies you need.

3. It Can Give You Peace of Mind

Running a business is stressful enough without having to worry about the financial consequences of an accident or lawsuit. Commercial insurance can give you peace of mind, knowing that your business is protected in case of a covered incident.

4. It Can Help You Get Back on Your Feet After a setback

No business is immune to the occasional setback, whether damage from a fire or theft. If your business is forced to close its doors, commercial insurance can help you cover the costs of repairs or replacement inventory, getting you back on your feet as quickly as possible.

If you’re not sure whether commercial insurance is right for your business in Miami Beach, FL, Assure-Us can help. We offer a free consultation to discuss your business needs and help you determine which policies are right for you. Contact us today to get started.



How Home Insurance Protects You

As a homeowner, you must have home insurance to protect yourself and your home. Home insurance offers several kinds of protection, each important for protecting your financial future. As long as you own your home, it would help if you had this insurance protection. If you need home insurance, call Assure-Us in Miami Beach, FL to get started. 

Coverage for Your Dwelling

The home itself needs protection because there are so many risks that exist. A wide range of damaging incidents can happen to your home that can cause a lot of damage. When you don’t have home insurance, all that damage is yours to pay to repair. This can cost tens of thousands or even more. When you have home insurance, those repairs are paid for by the policy to protect your finances. 

Protection for What You Own

Everything you own is likely inside your house, and home insurance protects it. With a home policy, all of your possessions in the home are covered. When a damaging event that is covered by your policy happens and your things are destroyed, you can get them replaced by the policy. Next to your house, your belongings are likely your most significant investment, which needs protection. 

Liability Protection

As a homeowner, you are responsible for what happens inside your home. If someone were to enter your home and become injured in an accident, you are likely liable for the medical bills due. With home insurance, those bills can be paid by your policy instead of by your pocket. 

Get Home Insurance Today

If you need a home insurance policy, call us at Assure-Us in Miami Beach, FL.

Why should someone get auto insurance in Florida?

The Miami Beach, FL area is full of fun and existing recreational amenities. To ensure that you can efficiently enjoy all this part of Florida offers, it would be ideal for you to own a car. An auto insurance plan is crucial if you want to own a car. There are a few reasons why someone in this part of the state will need to have this coverage. 

Comply with State Liability Requirements

A reason that many in this part of the state will want to have an auto plan is so they can comply with requirements surrounding liability insurance. Anyone that wants to drive a car on the road in Florida will have to be insured with liability coverage. This insurance provides assurances that you will be able to cover any damage that could be caused in an accident. Without the coverage, you would be unprotected and violate state driving laws. 

Protect Vehicle

It is also a good idea for someone to get an auto plan to protect their vehicle. When you purchase a car in this part of Florida, you will want to be able to use it for a long time. A great way to ensure this happens is by getting the proper coverage. With a full plan, you will be protected against various risks that would otherwise result in a loss. 

Having the right insurance plan for your car in the Miami Beach, FL area is quite important. If you would like to start looking for a new plan in this part of Florida, it would be helpful for you to call the team with Assure-Us. Many vital choices come with selecting an auto plan, and Assure-Us will give you the help needed to choose a policy ideal for your situation. 

Is RV Insurance a Wise Investment?

Doubling as a means of transport and accommodation, RVs are increasingly becoming popular in America, notwithstanding the skyrocketing prices. But as you enjoy your RV, don’t forget about RV insurance. This insurance plan protects you and your vehicle when on the road or parked.

But because you have spent too much on buying your RV, you wonder whether purchasing RV insurance is worth it. But as you will find from Assure-Us in Miami Beach, FL, RV insurance is worth every penny.

Why RV insurance is a worthwhile investment

If you want to have peace of mind when enjoying your RV, RV insurance must be within your plans. RV insurance gives you the comfort that you are well-covered against risks like theft, fire, vandalism, and road accidents. The other reasons RV insurance is a good idea include:

  • Liability protection: In the course of using your RV, you may cause bodily injury and property damage to others. Luckily, RV insurance can cover third-party costs, preventing you from slumping into a financial mess.
  • Asset protection: Your RV is a massive investment, and as such, you need to protect it in every way you can. Investing in RV insurance is an excellent way of protecting your RV from perils like theft and vandalism. RV insurance pays you for the repairs and even the replacement of your vehicle when it’s totaled.
  • Emergency assistance: When your RV breaks down miles away from your residence, you can thank goodness you have RV insurance because it can bail you out when you have a flat tire, puncture, or electrical mishap.
  • Medical payments: RV insurance can cover medical costs for you and your passengers when involved in an accident.

Are you convinced that RV insurance is a good investment? If yes, please get in touch with Assure-Us in Miami Beach, FL for an affordable policy.


Condo Insurance FAQs

Condos come in all manners of shapes and sizes — they can be an apartment, townhouses, or even duplexes. Whatever the form of your condominium, you have to think about condo insurance from Assure-Us in Miami Beach, FL. And because condo insurance usually confuses many people, we have prepared a FAQs section to shed more light on this coverage.

Why do I need condo insurance if I contribute to the COA policy?

You may be wondering why your condo isn’t covered under home insurance, yet you use it as a home. Condo insurance distinguishes the property you own outrightly (like a house) and one located inside another building managed by an association. So, condo insurance protects the property you own. In contrast, the condo owner’s association policy (COA) covers your condo’s external areas and liabilities happening in common areas like the lobby or swimming pool.

What does condo insurance cover?

When you invest in condo insurance, you get value for your money. Condo insurance covers numerous arrears, including:

  • Your assets
  • Your condo’s interior
  • Liability coverage
  • Loss of use
  • Medical payments to third parties

How much condo insurance do I need?

We advise you to consider liability coverage of about $300,000. If you have a dangerous pet, this limit can be increased. If you are a high net-worth individual, consider umbrella insurance for liability coverage of $1M plus.

As for your contents coverage, consider coverage that replaces your entire assets when the worst happens. This means you should use the replacement cost value for your assets to get compensation without reducing the depreciation factor.

Where can I purchase condo insurance?

Shopping for condo insurance can be downright frustrating, but this doesn’t have to be the case if you are in Miami Beach, FL, or the surrounding area. Please get in touch with Assure-Us, and we shall help you purchase a condo insurance policy that meets your needs.

Does Florida Require Boat Owners To Carry Insurance?

If you’re ready to start enjoying Florida’s extensive waterways, you may be wondering if the state requires you to buy boat insurance. The short answer is Florida law doesn’t require you to carry insurance for your boat. To learn more about boat insurance in Miami Beach, FL, and its benefits, contact our professional team at Assure-US today.

When You Might Need Boat Insurance

There may be some instances where you will need to have boat insurance. For example, if you used the financing to buy your boat, your lender may require insurance to protect the vessel against damage. Additionally, you shouldn’t rely on your home insurance policies to provide coverage if your boat sustains damage while you store it on your property.

If you don’t store your boat at home or in another location, you may want to keep it at a marina. In some cases, marinas will require you to carry a liability policy at a minimum. Liability insurance protects the marina and others from damage that could be caused by your boat.

Why You Should Consider Boat Insurance

If you want to enjoy Floridian waters safely, it’s wise to carry a policy to protect yourself, your vessel, and your passengers from any unforeseen circumstances. Florida’s vast waterways – like rivers, lakes and shorelines – are extremely popular and subject to a higher level of risk associated with accidents (not to mention the enhanced risk of storms and hurricanes).

Leaving yourself unprotected increases your chances of experiencing a major out-of-pocket expense if a serious event occurs. Finally, although the law doesn’t require boat insurance, the law doesn’t completely shield you from responsibility if a serious accident occurs on your vessel.

If you want to learn more about boat insurance requirements in Miami Beach, FL, visit our website at Assure-US today.

How Much Renters Insurance Do I Need?

You are not legally required to purchase renters insurance in Florida. However, some landlords may require you to show proof of renters insurance before letting their property. But whether renters insurance is mandatory or not, it’s an investment you must consider. Renters insurance from Assure-Us in Miami Beach, FL protects your assets, covers you against liabilities, and pays additional living expenses.

Now that you understand how crucial renter’s insurance is, how much coverage should you purchase? Understanding how much renter’s insurance depends on individual needs. Nevertheless, we will provide a guide to help you determine how much renter’s insurance coverage you need.

What do you own?

Since renters insurance protects assets inside your dwelling, you should get coverage that can compensate you fully if you lose everything you own. That said, come up with a home inventory to determine the value of your assets. When that is done, purchase renters insurance that can compensate you the equivalent of your home assets.

Pro-tip: Understand to what extent your renter’s insurance covers high-value items like jewelry. Otherwise, you need to purchase endorsements or riders to boost your renter’s insurance coverage.

How much liability coverage do I need?

When you are accused of third-party injuries and property damage, the costs can rise fast. So, how much liability coverage do you need to keep you from dipping into your savings when liability claims come calling? Ultimately, consider liability coverage of about $300,000, but if you are a high net-worth individual or at an increased risk of being sued, consider umbrella insurance.

Learn more about renters insurance

Still not sure how much renter’s insurance you should buy. No worries. Please get in touch with Assure-Us in Miami Beach, FL. We will evaluate your individual needs and help you determine the amount of renters insurance coverage you need.

Types of Motorcycle Insurance

When searching for motorcycle insurance, there are so many different plans that it can be quite confusing. Even more confusing is the types of insurance that are out there.

So, what are the different types of motorcycle insurance?  

Liability insurance will basically cover liability. This includes bodily injury and property damage in case you injure someone or damage someone’s property while you are out riding your motorcycle. It may also help you with legal fees if you get sued. 

Motorcycle collision coverage will help to repair or replace your bike if you are in an accident while you are out riding. 

Comprehensive coverage covers things that happen to your bike when you are not on it. This could be damage due to the weather or fire. It also covers theft and vandalism.

Uninsured or under insured motorist coverage will help you if you are in an accident with someone who doesn’t have enough insurance (or doesn’t have any at all). It will cover the damages and medical bills after their insurance is finished. 

Guest passenger liability will cover any injuries that may occur to your passengers. It will also cover legal fees if you get sued. 

Customized motorcycle parts coverage is necessary if you have customized your motorcycle. It will cover the added expense of fixing up your motorcycle the way that you had it. 

There are so many types of insurance that you may not be sure where to start. You may just be required by law to have liability, though you may also want some sort of collision or comprehensive coverage. 

If you want to make sure that you have the right plan for you and your motorcycle, don’t hesitate to contact us at Assure-Us in Miami Beach, FL. 

6 FAQ about boat insurance in Miami Beach, FL

Spending time on the water should be relaxing. Having boat insurance adds even more peace of mind.

Boat insurance can increase your good time by ensuring your investment is protected. Serving Miami Beach, FL, Assure-Us can help. These professional agents answer six common questions to take the stress out of buying boat insurance.

What is boat insurance?

The name says it all. Boat insurance protects your boat from damage. It also guards against bodily injury to you or someone else. Boat insurance applies to most motorized watercraft.

What’s covered under a policy?

Each policy will vary. But, at minimum, boat insurance includes liability and damage coverage. Liability protects against both bodily harm and destruction of property if you are found at fault. Collision and comprehensive coverage are also typically standard. 

Is boat insurance required?

Boat insurance is not required in Florida. However, boat insurance has countless benefits. Being uninsured is risky. Additionally, some lending agents may request a policy if you still owe a balance.

Do I need boat insurance all year?

In short, yes. While you may think about canceling your policy during the off-season, accidents can still happen at any time. Fire, storms, vandalism, and theft can still reach your boat, even in storage.

How much does boat insurance cost?

Only an agent can determine a policy’s price. They will weigh several factors, including a boat’s size, type, and age. The size of the motor is also considered.

Does my homeowner’s policy cover my boat too?

Although homeowner’s policies offer some coverage, these are extremely limited. By contrast, only boat insurance can provide full protection.

Schedule an appointment with Assure-Us

Before you head for open waters, call Assure-Us. Serving Miami Beach, FL, the agency will create a boat insurance policy that keeps you afloat even if disaster strikes.

What to Consider Prior to Purchasing a Renters’ Insurance Policy

Renting is often the best choice for a number of individuals in Miami Beach, FL. However, a lot of people who rent don’t think about investing in renters’ insurance to protect their belongings. However, there are always a few things to take into consideration before buying, and Assure-Us wants to share those with you.

Understand What Is and Is Not Covered

Renters’ insurance works to protect your clothing, furniture, electronics, tools, and other belongings. As far as covered perils go, you are looking at the storm damage, theft, fire, etc. However, if your area is prone to floods and earthquakes, you’ll need to consider adding an endorsement to ensure you are covered in the event of one of these disasters. For expensive jewelry or artwork, consider adding a rider.

Take an Inventory

It is imperative that you sit down and take a full inventory of your belongings. It is easiest to start in one room, complete the inventory for that room, and then move on to another room. Include the brand, model, date of purchase, purchase cost, and estimated worth (if known). This can give you an idea of how much coverage you need to purchase while also providing your insurance company with a list of everything in your home in the event of a burglary or disaster.

Decide Between Actual Cash Value or Replacement Value

Actual cash value policies will take depreciation into account in your coverage. Therefore, if an item is damaged and needs to be replaced, you won’t receive the same value for that item that you did when it was originally purchased. Replacement value policies, however, ensure you receive the current market value for the item. Actual cash value policies are most affordable, but replacement value policies offer more peace of mind in the long run.

If you are a Miami Beach, FL resident and have questions about renters’ insurance, reach out to our team at Assure-US and let us help you secure the best renters’ insurance based on your individual situation.

Our Insurance Partners

  • Ascendent
  • Atlantic
  • Bristol
  • Capitol
  • Federated National Insurance
  • Fidelity
  • Florida Peninsula
  • Gainsco
  • GMAC National General
  • Homeowners Choice
  • Infinity
  • Mendota
  • Mercury
  • Olympus
  • Progressive
  • Safe Point
  • Southern Oak
  • Towerhill
  • Travelers
  • United Auto
  • United Heritage
  • Universal Property
  • Universal Property Casualty
  • Weston
  • Windhaven