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Personal Insurance

Our main goal is to protect you and your loved ones from unexpected events, we find the right coverage at an affordable rate for you. If you need Auto, Home, Life or any other personal insurance coverage policy, we can and will find you a package to fit your individual needs.

Personal auto coverage

  • Bodily injury liability
  • Personal injury protection
  • Uninsured motorist
  • Property damage liability
  • Medical payments

Vehicle coverages

  • Collision
  • Comprehensive
  • Towing and labor Coverage
  • Rental car expense
  • Gap Coverage

CAR, TRUCK, RV, AND ATV INSURANCE THROUGHOUT FLORIDA

Each time you hit the road, you do so expecting to reach your destination safely. However, dealing with other drivers and potential hazards on the road means your vehicle is always at risk. In the state of Florida, you are legally required to have auto insurance for your car, truck, or SUV. Under the law, any vehicle with four or more wheels must have proof of insurance before registration can be obtained. Without coverage, you can be fined or be prevented from driving.

If you have recently moved to Florida or purchased a new vehicle, speak with us to shop for insurance. We offer competitive premiums and complete coverage for all your vehicles.

Coverages can include:
Preferred and standard auto insurance.
High risk auto insurance.
Motorcycle.
Motor homes.
Camping trailers, travel trailers, utility trailers.
Recreational vehicles: all-terrain vehicles, trail bikes, golf carts, mini bikes, dune buggies, jet skis and wet bikes.
Antique, classic or special-interest cars.

Owning a home is one of the biggest investments you might make in your entire life. It has been part of the “American Dream” for decades and continues to be a goal for many people. That’s why choosing the right homeowners insurance will be so important when you take this big step! Home insurance can be daunting. Buying a policy “off the shelf” without a plan or professional advice can result in the difference between what you really needed and what you ended up paying for being vastly different. Your homeowner’s insurance policy should reflect the reality of your home’s uniqueness, your lifestyle and your financial assets.

Whether your home is a permanent structure or a mobile home our purpose is to provide low rates for home owners of all types. Regardless of the property location, we have a policy that is built around you. It’s our mission to seek the best possible coverage’s for our clients.

WE CAN OFFER YOU:
  • Many coverages to protect both you and your property.
  • Responsive and caring Claims service.
  • Property insurance at an affordable price.

When you rent an apartment or house, your landlord is not responsible for your personal belongings if they’re stolen or damaged. Renters insurance protects your personal belongings and also protects you if you’re held legally responsible for injuries to another person or guest while they’re visiting your home.

If you think about it, the cost to replace your clothing, furniture, stereo, pots and pans, linens, sporting goods, and computer could be a lot of money. Renters Insurance covers your possessions from damage and theft, and also protects you if you’re held legally responsible for the injuries to another person while in and around your home. It costs less than you think – it’s easy to protect yourself and your belongings for just a few dollars a month.

With our assistance, you will understand each of your options and be able to make an informed decision. Our goal is to provide you with a renters’ insurance policy that fits your unique needs. Reach out to us today to discuss your situation with our specialists.

PERSONAL UMBRELLA POLICY THROUGHOUT FLORIDA

Protect yourself from a scenario where your “regular insurance” isn’t enough. A personal umbrella policy is called an “umbrella” policy because it provides liability coverage over and above your standard auto insurance or homeowners insurance. It offers protection for you and your family against large and potentially devastating liability claims or judgments.

Umbrella insurance is there to protect you if you are liable for something big. Similar to an umbrella, it is there to fill in coverage caps that you may have from your other insurance policies. In short, a personal umbrella policy kicks in right where your other liability underlying limits have been reached

For example, if you’re in a big car accident and need to cover replacement and medical costs, umbrella insurance can help in these extra costs. Instead of just having your normal auto insurance coverage, Umbrella insurance gives you the additional coverage you may need.

Choosing the right insurance policy is much like choosing the right toy. You want it to fit your needs and lifestyle, but at the same time be within your budget. Although most states require you to carry a minimum amount of liability coverage, other types of coverage are usually optional. Check with us to learn which laws apply in your state.

Speak with our insurance specialists today to shop for policies at rates that fit your needs and budget. We know that looking for this kind of insurance can be frustrating, so our specialists will search high and low for the best rates available, as well as help you find coverage from a respectable company.

Protect What Matters Most.

What do you love about your life? You might be grateful for a partner who understands you better than anyone else. Maybe you delight in watching your children embrace their talents. Your family is your responsibility and your life, and there’s nothing better than watching them succeed and sharing in their ambitions, dreams, and conquests.

If all goes according to plan, you’ll pay off the mortgage, put your kids through college and enjoy a long retirement. But should something unexpected happen to you, you’ll want to be prepared for providing the assurance your family needs to keep their futures safe and sound.

Our agents can show you a number of coverage options you can tailor to your priorities and budget. In fact, life insurance plans may be more affordable than you might think, in some cases less than your monthly spend on coffee.

A proper Life Insurance policy can give you reassurance knowing that your finances and beneficiaries are secure – from temporary to permanent coverage. We understand that as things in your life change, so will your financial and insurance needs. That’s why it’s important to review your Life Insurance options with a specialist you can trust.

Whatever your situation, we offer Life Insurance options, such as:

  • Term Life Insurance
  • Whole Life Insurance
  • Universal Life Insurance
  • Group Life Insurance
  • Long-Term Care Insurance
  • Mortgage Protection Insurance

When it comes to life insurance, there’s no such thing as “one size fits all.” Everyone has different needs, goals and financial considerations. That’s why coverage comes in a variety of forms, with a range of features you can tailor to your unique situation.

Auto

CAR, TRUCK, RV, AND ATV INSURANCE THROUGHOUT FLORIDA

Each time you hit the road, you do so expecting to reach your destination safely. However, dealing with other drivers and potential hazards on the road means your vehicle is always at risk. In the state of Florida, you are legally required to have auto insurance for your car, truck, or SUV. Under the law, any vehicle with four or more wheels must have proof of insurance before registration can be obtained. Without coverage, you can be fined or be prevented from driving.

If you have recently moved to Florida or purchased a new vehicle, speak with us to shop for insurance. We offer competitive premiums and complete coverage for all your vehicles.

Coverages can include:
Preferred and standard auto insurance.
High risk auto insurance.
Motorcycle.
Motor homes.
Camping trailers, travel trailers, utility trailers.
Recreational vehicles: all-terrain vehicles, trail bikes, golf carts, mini bikes, dune buggies, jet skis and wet bikes.
Antique, classic or special-interest cars.

Home

Owning a home is one of the biggest investments you might make in your entire life. It has been part of the “American Dream” for decades and continues to be a goal for many people. That’s why choosing the right homeowners insurance will be so important when you take this big step! Home insurance can be daunting. Buying a policy “off the shelf” without a plan or professional advice can result in the difference between what you really needed and what you ended up paying for being vastly different. Your homeowner’s insurance policy should reflect the reality of your home’s uniqueness, your lifestyle and your financial assets.

Whether your home is a permanent structure or a mobile home our purpose is to provide low rates for home owners of all types. Regardless of the property location, we have a policy that is built around you. It’s our mission to seek the best possible coverage’s for our clients.

WE CAN OFFER YOU:
  • Many coverages to protect both you and your property.
  • Responsive and caring Claims service.
  • Property insurance at an affordable price.
Renters

When you rent an apartment or house, your landlord is not responsible for your personal belongings if they’re stolen or damaged. Renters insurance protects your personal belongings and also protects you if you’re held legally responsible for injuries to another person or guest while they’re visiting your home.

If you think about it, the cost to replace your clothing, furniture, stereo, pots and pans, linens, sporting goods, and computer could be a lot of money. Renters Insurance covers your possessions from damage and theft, and also protects you if you’re held legally responsible for the injuries to another person while in and around your home. It costs less than you think – it’s easy to protect yourself and your belongings for just a few dollars a month.

With our assistance, you will understand each of your options and be able to make an informed decision. Our goal is to provide you with a renters’ insurance policy that fits your unique needs. Reach out to us today to discuss your situation with our specialists.

Umbrella

PERSONAL UMBRELLA POLICY THROUGHOUT FLORIDA

Protect yourself from a scenario where your “regular insurance” isn’t enough. A personal umbrella policy is called an “umbrella” policy because it provides liability coverage over and above your standard auto insurance or homeowners insurance. It offers protection for you and your family against large and potentially devastating liability claims or judgments.

Umbrella insurance is there to protect you if you are liable for something big. Similar to an umbrella, it is there to fill in coverage caps that you may have from your other insurance policies. In short, a personal umbrella policy kicks in right where your other liability underlying limits have been reached

For example, if you’re in a big car accident and need to cover replacement and medical costs, umbrella insurance can help in these extra costs. Instead of just having your normal auto insurance coverage, Umbrella insurance gives you the additional coverage you may need.

Toys

Choosing the right insurance policy is much like choosing the right toy. You want it to fit your needs and lifestyle, but at the same time be within your budget. Although most states require you to carry a minimum amount of liability coverage, other types of coverage are usually optional. Check with us to learn which laws apply in your state.

Speak with our insurance specialists today to shop for policies at rates that fit your needs and budget. We know that looking for this kind of insurance can be frustrating, so our specialists will search high and low for the best rates available, as well as help you find coverage from a respectable company.

Life

Protect What Matters Most.

What do you love about your life? You might be grateful for a partner who understands you better than anyone else. Maybe you delight in watching your children embrace their talents. Your family is your responsibility and your life, and there’s nothing better than watching them succeed and sharing in their ambitions, dreams, and conquests.

If all goes according to plan, you’ll pay off the mortgage, put your kids through college and enjoy a long retirement. But should something unexpected happen to you, you’ll want to be prepared for providing the assurance your family needs to keep their futures safe and sound.

Our agents can show you a number of coverage options you can tailor to your priorities and budget. In fact, life insurance plans may be more affordable than you might think, in some cases less than your monthly spend on coffee.

A proper Life Insurance policy can give you reassurance knowing that your finances and beneficiaries are secure – from temporary to permanent coverage. We understand that as things in your life change, so will your financial and insurance needs. That’s why it’s important to review your Life Insurance options with a specialist you can trust.

Whatever your situation, we offer Life Insurance options, such as:

  • Term Life Insurance
  • Whole Life Insurance
  • Universal Life Insurance
  • Group Life Insurance
  • Long-Term Care Insurance
  • Mortgage Protection Insurance

When it comes to life insurance, there’s no such thing as “one size fits all.” Everyone has different needs, goals and financial considerations. That’s why coverage comes in a variety of forms, with a range of features you can tailor to your unique situation.

Have an Agent Call Me

Business Coverage

Coverage that protects businesses from losses due to events that may occur during the normal course of business. There are many types of insurance for businesses including coverage for property damage, legal liability and employee-related risks.

Also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business. America Tax & Insurance recommends that all businesses have general liability coverage in place.

No matter what industry you are in, accidents will inevitably happen. When your business is responsible for causing personal injury or property damage, failing to have the right coverage in place can cause you to face the resulting financial charges. Safeguard your business by obtaining commercial general liability coverage from our insurance agency. We can help you to avoid the devastating financial loss that comes with an accident.

Whether a customer trips on loose flooring at your restaurant or one of your contractors leaves the water running during service, commercial general liability insurance will keep you from facing any resulting damages on your own. Your policy will typically cover costs of the legal defense and any damages. We recommend all business owners obtain coverage, especially if your company engages in the following:

• In-Person or Face-to-Fact Client Interaction
• Hiring Freelancers & Contractors
• Using Third-Party Locations or Venues You Do Not Own for Business-Related Activities
• A Venture That Requires You to Get a General Liability Insurance

You rely on your employees to keep your business running. If a member of your staff is injured while on the job, what happens?

Worker’s Comp pays for medical care and physical rehabilitation of employees injured at work and helps to replace lost wages while they are unable to work. Additionally, this coverage protects an employer from being sued by an injured worker in most cases.

Whether you have a restaurant, office, or retail store, we help you secure the right workers’ compensation insurance policy for your specific needs.

Having an insurance policy in place is not only the right thing to do as a business owner, it is a state requirement that all owners must follow. In the state of Florida, companies with four or more employees must have workers’ compensation insurance. All construction businesses are required to have this insurance, even if they have fewer than four employees on staff.

This coverage is available to protect your business from the liability associated with operating automobiles. Coverage is available for owned, non-owned, and hired vehicles including autos, trucks, vans, tractors and trailers. Physical damage coverage is also available.

Business owners rely on commercial cars and trucks for a number of reasons. Whether you offer a delivery service to your customers, or you use vehicles to carry out business-related activities, you need specific insurance for vehicles that are used in conjunction with your company.

Commercial auto insurance is liability and physical damage protection for vehicles, such as cars, trucks and vans, that are used for business. Commercial vehicles require a separate policy because they’re typically exposed to more risk than personal vehicles.

Commercial auto insurance isn’t just for industrial vehicles like semis or dump trucks. For example, businesses that use a car to run errands, carry tools or transport clients might also need a commercial auto policy.

General Liability

Also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business. America Tax & Insurance recommends that all businesses have general liability coverage in place.

No matter what industry you are in, accidents will inevitably happen. When your business is responsible for causing personal injury or property damage, failing to have the right coverage in place can cause you to face the resulting financial charges. Safeguard your business by obtaining commercial general liability coverage from our insurance agency. We can help you to avoid the devastating financial loss that comes with an accident.

Whether a customer trips on loose flooring at your restaurant or one of your contractors leaves the water running during service, commercial general liability insurance will keep you from facing any resulting damages on your own. Your policy will typically cover costs of the legal defense and any damages. We recommend all business owners obtain coverage, especially if your company engages in the following:

• In-Person or Face-to-Fact Client Interaction
• Hiring Freelancers & Contractors
• Using Third-Party Locations or Venues You Do Not Own for Business-Related Activities
• A Venture That Requires You to Get a General Liability Insurance

Workers' Comp

You rely on your employees to keep your business running. If a member of your staff is injured while on the job, what happens?

Worker’s Comp pays for medical care and physical rehabilitation of employees injured at work and helps to replace lost wages while they are unable to work. Additionally, this coverage protects an employer from being sued by an injured worker in most cases.

Whether you have a restaurant, office, or retail store, we help you secure the right workers’ compensation insurance policy for your specific needs.

Having an insurance policy in place is not only the right thing to do as a business owner, it is a state requirement that all owners must follow. In the state of Florida, companies with four or more employees must have workers’ compensation insurance. All construction businesses are required to have this insurance, even if they have fewer than four employees on staff.

Commercial Auto

This coverage is available to protect your business from the liability associated with operating automobiles. Coverage is available for owned, non-owned, and hired vehicles including autos, trucks, vans, tractors and trailers. Physical damage coverage is also available.

Business owners rely on commercial cars and trucks for a number of reasons. Whether you offer a delivery service to your customers, or you use vehicles to carry out business-related activities, you need specific insurance for vehicles that are used in conjunction with your company.

Commercial auto insurance is liability and physical damage protection for vehicles, such as cars, trucks and vans, that are used for business. Commercial vehicles require a separate policy because they’re typically exposed to more risk than personal vehicles.

Commercial auto insurance isn’t just for industrial vehicles like semis or dump trucks. For example, businesses that use a car to run errands, carry tools or transport clients might also need a commercial auto policy.

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Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

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