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Is Commercial Insurance Mandatory in Florida?

Florida small business owners should weigh various types of commercial insurance for financial and legal reasons. A variety of unexpected incertitudes like accidents and natural calamities can jeopardize your business activities in Miami Beach, FL. Navigating commercial insurance requirements and laws can sometimes be complicated. Our team of charismatic agents at Assure-US is well-versed with answers to all your queries and will find the right coverage matching your needs and budget. 

Is commercial insurance mandatory in Florida?

Florida businesses are mandated to carry workers’ comp insurance if they employ four or more employees, whether part-time or full-time. This form of policy safeguards the business and its employees against accidents and injuries that arise in workplaces. In addition, if your business owns vehicles, you are required to carry commercial auto insurance coverage.

Commercial coverage options in Miami Beach, FL

General liability coverage: It protects your business from liability claims such as bodily injury or property damage propagated by your business. It’s tailored to reimburse medical costs and related legal fees. It also helps you to cover advertising injury, including offenses such as libel and copy infringement. 

Commercial property coverage: It shields your business’s assets such as equipment, inventory, tools, and furniture. You can also obtain property coverage even if you work from home.

Workers’ compensation coverage: It’s a mandatory requirement in Florida to benefit your employees if they get a work-related injury or ailment. It caters to medical care, disability benefits, funeral expenses, and lost wages.

Commercial auto coverage: If your business venture possesses employees who drive your business vehicles, this type of policy is the best. It caters to damages and injuries if your employee is deemed responsible after an accident.

Cyber insurance helps protect your business entity from imminent risks that emanate from the risks associated with technology, like data breaches.

Are you still in limbo deciding on the right commercial insurance policy that befits your business in Miami Beach, FL? Call or visit our agents at Assure-US, and we will walk you through all the types of commercial coverages available tailored to match your lifestyle and business needs.

What Losses Are Covered by Boat Insurance?

As a resident of Miami Beach, FL, you already know that having boat insurance is a very common aspect. However, just like having any other property, boat insurance is required. Most people do not know what boat insurance covers. However, with the advice of a leading insurance company like Assure-Us, it will be easier to understand what losses are covered. 

Liability Coverage

The first loss that your boat insurance covers is liability coverage. Therefore, if you damage someone’s property, your boat insurance will help you in handling such expenses that may include replacement or repair. 

Medical Payments Coverage

Boat accidents are very common, especially in boating season. In such situations, you or your passengers might get injured in case of a boat accident. Boat insurance will help in catering for all the medical expenses. In some situations, boat insurance can cater to the lost wages of the injured passengers. 

Uninsured Boat Coverage

There are very many boats in the water that are not covered. In case such boats collide with you, they do not have any insurance to cater to their expenses. Your boat insurance will help to address such expenses without additional financial burden. 

Other Types of Coverage

Besides the standard liability, medical and uninsured boat coverage, there are other essential aspects that your boat insurance covers. Some aspects covered included special fishing equipment, boat trailer, towing, and boat accessories. However, you need to talk with your insurance company to understand whether such aspects are covered.

Boat insurance is very sensitive insurance coverage that you should get if you live in Miami Beach, FL. However, the secret lies in getting your boat insurance from the best insurance company that will help you address your insurance needs. In this case, you need to work with Assure-Us for reliable boat insurance that will not fail you in the hour of need.

Who should get a condo insurance plan in Miami Beach?

If you are looking for a great place to move to, Miami Beach, FL is a good option to consider. This area of Florida offers a lot of great recreational options, warm weather, and even job opportunities. If you want to purchase a home here, you should consider getting a condo as it comes with fewer maintenance obligations than a normal home, which will allow you to spend more time enjoying the city. There are a lot of scenarios when someone will need to have condo insurance. 

Those with a Mortgage

A situation when someone will need to get a condo insurance plan will come if they have taken out a mortgage. Mortgage borrowers will always have specific insurance requirements that they need to meet to comply with their lender’s standards. The lender will also likely need to approve your loan and will require that you have payments escrowed as it will help prevent a coverage lapse.

Those with Association Rules

Condo owners in Florida will normally be part of a larger association. These groups help to manage the building and provide a lot of value but also have rules regarding insurance. You should ensure that you understand the insurance obligations that you have and then get the coverage that meets the requirements. The association will likely require that you provide evidence of coverage once per year. 

Those that do live in the Miami Beach, FL area and purchase a condo should make sure that they get proper insurance for it. As you are looking for a new plan in this city, it would be a good idea for you to call Assure-Us. The team with Assure-Us can help you assess your needs for condo insurance and give you the support needed to build a plan. 

Boat Insurance Options in Miami Beach, FL

If you live in Miami Beach, FL, it is possible that you might be interested in boat insurance. Of course, this is an area where a lot of people like to go boating. If you are interested in boat insurance in Florida, you should consult with a company such Assure-Us for more information.

If you have boat insurance, you are much less likely to have to worry about what is going to happen to your boat. There are many options that you have in terms of ensuring your personal watercraft, and some are as follows:

  • All-risk coverage. This type of policy will cover your boat, boat trailer, and any other insured property for any physical damage that could happen. This includes collision, theft, fire, storm damage, glass damage, and auto accidents, among other types of damage.
  • Replacement cost coverage. If you experience your new boat becoming a total loss within 36 months of purchasing it, for any reason, this type of coverage will pay for your purchase of a new boat. You can buy the exact same vote in a new version. This includes all of the equipment, features, and other options that you had at the time of the loss of the original boat. Even if the new boat will cost more than you paid for the original boat at the time, this insurance policy will cover the full cost of replacement.
  • Agreed value coverage. In the event of a complete loss of your boat, this type of policy will pay you the total agreed value of your boat.

If you are a resident of Miami Beach, FL who wants to learn more about boat insurance in your area, you should definitely feel free to contact the professionals at Assure-Us. They will be able to answer any questions that you might have and possibly point you in the right direction in terms of getting your own boat insurance policy.

How Does Renters’ Insurance Work?

Renters’ insurance is a type of coverage that you only get when you are renting your home or a storage facility. This insurance isn’t like homeowners’ policies, as it does not include the building in the coverage. If you are renting a place to live or a place to store your items, you need renters’ insurance. Call us at Assure-Us in Miami Beach, FL to find out more. 

Covering Your Possessions

One of the main parts of renters’ insurance coverage is the coverage of all of your belongings that are inside the insured space. Often this is an apartment, a rented house, a manufactured home, or a condo. However, if you have items that you are storing in a commercial storage locker, that also needs renters’ insurance to cover all of your items inside it. Most storage facilities now require that renters have a renters’ policy on their possessions in the locker. To make sure that your belongings are covered, be sure to document them in photos or video so that you can prove what was inside the rented space. 


When you have renters’ insurance on your home, you also have coverage for liability. This means that accidents or illnesses that happen inside your home to a third party are covered if you are liable for them. This usually includes medical bills and may include lost wages if it was a serious accident or illness. 

Habitable Space

If something were to happen to your home and it became unliveable, your renters’ insurance would pay for you to live elsewhere until the rented home was repaired and back up to code. 

Get Your Renters’ Insurance Policy

If you rent either your home or a storage locker, you need renters’ insurance on it. If you need a policy, call us at Assure-Us in Miami Beach, FL.

Is motorcycle insurance needed for owners in Miami Beach?

People that live in the Miami Beach, FL area will want to own a vehicle so they can get around the area and enjoy it as much as possible. When you are shopping for a vehicle, you may find that the warm weather and sun makes getting a motorcycle an ideal option. If you do get a motorcycle, you will also want to get motorcycle insurance for it. 

Insurance is Needed to Drive Legally

One of the reasons that you will need to have motorcycle insurance when you are in Miami Beach is that it is a legal requirement. Anyone that would like to use a motorcycle here is going to have to comply with state laws. In Florida, all motorists need to carry liability insurance. This requirement extends to those that want to drive a motorcycle on a public road.

Insurance is Needed to Protect Asset

You will also want to get motorcycle insurance when you are in Miami Beach because it will be needed to protect your asset. If you do decide to purchase a motorcycle here, you will be making a significant purchase that you will want to have protected in the future. Those that invest in motorcycle insurance will have the coverage they need to repair or replace the asset if it is ever stolen or damaged.

Having a proper motorcycle insurance policy in the Miami Beach, FL area is very important. If you would like to get a motorcycle insurance policy here, it would be a good idea to call Assure-US. When you work with Assure-US for your motorcycle insurance needs, you will get the guidance that is needed to pick the best policy possible. This can help you ensure that you pick the best policy for your situation. 

What Does Boat Safety Entail in Miami Beach?

Boat safety in Miami Beach, FL covers a number of different topics, all of which should be given priority by the boat owner if they’re hoping to protect themselves and their family. Assure-Us is here to give you a few tips that you can take to the proverbial bank. 

Make a Plan 

The first thing that you need to do is assess the different threats that might befall you when you’re on the open water or in the harbor. Accidents, storms, collisions: these are all common events that can be far more devastating than you realize. Without contingency plans — ones that are practiced over and over again —you can end up in a precarious situation. 

Have the Right Equipment 

Safety equipment will inevitably make your boat heavier, but the reality is that you can’t live without it. From basic first aid kits to life jackets to signaling devices, to fire extinguishers, it’s better to be over-prepared than under. 

Have Good Insurance 

Boat insurance might not seem like it’s directly related to your safety, even though it is. If you’re in Miami Beach FL, you need a way to cover yourself if something does occur. For instance, if you’re in an accident and you don’t have the means to cover the repairs, then the issues will only get worse over time. Having the right policy can not only protect you and your family, but it can also give you more confidence when you’re taking on new challenges in your boat. 

Assure-Us knows that it can be difficult to select a boat insurance plan that makes sense for you. If you have questions about what a good policy should cover and how it will help you, it’s time to get in touch with our staff. 

Does renters insurance cover accidental damage of my personal belongings?

Renters insurance, also known as tenant insurance is a type of property insurance that helps protect you from financial losses in the event of a fire, vandalism, burglary, and other perils. It is almost impossible to control some accidents such as theft or injuries on visitors in your Miami Beach, FL home. That’s why Assure-Us is here to help you find the best renters insurance policy that meets your needs.

Are personal belongings covered?

Absolutely! Since you are living in a rented home, your aim typically revolves around protecting your valuables. Your landlord may have already bought coverage to protect the building including the walls, floor-ceiling, fence, and gate. Renter’s insurance is generally made up of three primary coverages they include:

  • Personal property: covers your property if they are damaged or stolen up to the maximum coverage limits
  • Liability: Protects you if you cause injury or damage to someone’s property. 
  • Loss of use: Compensates you for extra living expenses incurred if your home becomes unlivable

Is it possible to upgrade renters’ insurance?

Different insurance providers offer additional endorsements to your policy to add coverage to valuable items like jewelry and fine art collection. Some insurance providers also allow you to add coverages for perils that are not initially covered in your renter’s insurance such as earthquakes and floods.

Accidental damage to personal belongings

Renters insurance covers accidental damages where no one is at fault. For instance, If your possessions were damaged in an accidental fire in the house, renters insurance can help replace and repair the damaged items. However, if your child decides to break things in the house out of rage, then renter’s insurance cannot cover the damages. In fact, damages done by you or your family members are not covered under the renter’s insurance policy. 

Are you looking to buy renters insurance around Miami Beach, FL? Let Assure-Us help you find value for your money. We are all about helping you find a policy that fits your needs, style, and preference. Contact us today!

3 Tips for Buying Motorcycle Insurance

Riding a motorcycle in Miami Beach, FL is riskier than driving a car as you’re much more exposed on the road. If you’re in an accident, you’re more likely to sustain greater injuries and property damage. That’s why it’s important to have motorcycle insurance coverage. The following tips from Assure-Us can help you choose the right coverage for you.

Select Coverage Conducive to Your Lifestyle

Your motorcycle coverage should match your lifestyle. If you’re an avid rider, you’re at greater risk of having an accident, making it necessary to get ample coverage to protect you and others on Miami Beach FL highways. If you’re an occasional rider and mostly use your bike to run errands around town, you can get by with less coverage. Factors like your age, riding experience, and the value of your bike should also be considered when buying your policy.

Protect Your Bike

Motorcycle accidents can cause extensive damage to your bike. Unless you have the money to pay for bike repairs on your own, we recommend you protect your investment with collision, comprehensive and uninsured motorist (UM) coverage.

Collision insurance protects your bike against collision damage while comprehensive insurance covers motorcycle theft and damage from inclement weather, falling objects, or vandalism. If you’re hit by an uninsured motorist, UM coverage helps pay for damage to your motorcycle, to save you money out of pocket.

Fulfill Motorcycle Insurance Requirements

Motorcycle liability coverage is required in Florida to protect others in accidents you cause. When purchasing your policy, make sure you fulfill the Sunshine State’s minimum liability insurance requirements to avoid liability issues if you cause an accident.   

By working with an insurance specialist from Assure-Us, you can have greater confidence in getting adequate motorcycle insurance coverage. Call or visit us today for all your motorcycle insurance needs.  

Stay Covered with Flood Insurance

If you live in Miami Beach, FL, then you understand that anything can happen at any given time. That’s why no resident should be exempt from flood insurance. Flood insurance can help protect you in even the most unpredictable of times. Learn the in’s and out’s of flood insurance and how you can stay protected with Assure-Us. 

What Does Flood Insurance Cover?

Flood insurance provides you with financial protection in the event that you or your property is damaged in a flood. If you live in an area like Miami Beach FL, this type of insurance coverage will come in handy as the area can be quite unpredictable. To help you get an idea of how you can be covered with flood insurance, here are some areas in which flood insurance can provide financial coverage: 

  • Property damage 
  • Injury
  • Home damage
  • Other kinds of physical damage

These are just some of the areas in which flood insurance can provide financial coverage. The specific type of coverage and the amount of coverage you receive will depend on the insurance coverage policy you choose. To help you find the right coverage policy that is perfect for you, visit Assure-Us to get a consultation. 

Why Is Flood Insurance Important? 

Flood insurance provides you with relief if you live in an area where flooding is common, even if the flooding is only mild. Maybe you think your property will never sustain damage from a flood, which is what everyone thinks until it happens to them. When that happens, you want to ensure that you are properly protected. It’s always better to have coverage and never need it than it is to never have coverage and find yourself needing it. 

Stay Covered with Assure-Us

When it’s time to find a flood insurance policy that’s right for you, visit Assure-Us to explore your options. Our office proudly serves the Miami Beach, FL area. 

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