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Commercial Insurance

General Liability

Who needs general liability insurance?

General liability insurance is often combined with property insurance in a Business Owners Policy (BOP), but it’s also available to many contractors as a stand-alone coverage through the Progressive Advantage® Business Program.

As a contractor or small business owner, you need some form of business liability insurance to safeguard your livelihood.

A single accident could result in a lawsuit that you might not be able to handle. A great way to protect against this is to make sure you have liability coverage that matches your level of exposure.

Some employers or clients might also require you to carry a certain amount of general liability before you can work for them.

General liability insurance for contractors

If you’re a contractor, you might only want general liability – not a full BOP. For example, you might not own any commercial buildings that require property insurance, or need to cover payroll or other operating expenses. However, you’re still exposed to liability risks from your job.

You might be eligible to get general liability insurance, without the extra coverages in a BOP, through the Progressive Advantage Business Program. We offer general liability, as well as Blanket Additional Insured Coverage to contractors who qualify.

Blanket Additional Insured Coverage extends your existing liability insurance to other entities as required by some contracts with employers.

General liability insurance cost

In 2017, the national average monthly cost for general liability insurance through the Progressive Advantage® Business Program was $52. Remember, this is only an average and isn’t necessarily what you’ll pay. Your rate depends on the specific features of your business.

Commercial Insurance vs Personal Insurance

Not sure whether you need a personal or commercial auto insurance policy? Here are some things to consider when deciding what kind of insurance policy you need.

Who Owns and Drives the Vehicle

If your vehicle is owned by a business, most likely, you’ll need a commercial auto insurance policy. If you’re a sole proprietor, you might only need a personal auto insurance policy. The type of policy you need also depends on how often the vehicle is used and what it’s used for.

How the Vehicle is Used

If you use your vehicle for business purposes, you’ll probably need a commercial auto insurance policy. If you’re a sole proprietor who only travels to 1 or 2 job sites a day, or just use your vehicle for commuting, you might only need a personal auto insurance policy.

The Type and Weight of the Vehicle

If the vehicle you drive is heavier than a normal size pickup or SUV, like a dump truck, tow truck, or semi truck and commercial trailer, you might require a commercial auto insurance policy. Heavy duty vehicles can cause more damage if they’re involved in an accident and sometimes require special insurance coverages.

Required Business Liability Limits

If your business vehicle requires higher liability limits, you will probably need a commercial auto insurance policy. Commercial auto insurance policies typically offer higher limits than personal auto insurance policies.

Umbrella Policies

Umbrella Policy Answers

What is umbrella insurance?

Umbrella insurance is a secondary coverage that protects more than one property or asset with an extra layer of liability protection. It kicks in when your underlying or primary policy doesn’t provide sufficient liability protection. An umbrella policy provides an additional layer of liability protection that can be used with any of your other policies or even any policy from another insurance company including your boat, motorcycle, all-terrain vehicle and snowmobile.

For example, if the liability limits are exhausted on your auto insurance, your umbrella insurance would take over and provide you with additional protection of at least $1 million or up to the level of coverage you purchased. If you have $500,000 liability coverage on your auto policy and $1 million umbrella coverage, your total auto liability coverage is increased to $1.5 million.

When would I need umbrella insurance?

Imagine if your dog were to bite a neighbor’s child. Or if there’s an accident on your rental property. Or a fire in your condo spreads to other units. What would happen if you or a family member missed a stop sign and struck and killed a pedestrian? If any of these things happened to you, there’s a good chance your current liability limits wouldn’t be adequate to protect your assets—or your future earnings.

How much coverage do I need?

A lot of factors determine the amount of coverage you need. Your financial status, lifestyle, and existing coverage are all relevant, but in liability lawsuits, a judgment could exceed your net worth. Talk to your local agent for advice on the amount of coverage that’s right for you.

Can I get just an umbrella policy?

To qualify for umbrella insurance coverage, you must also carry auto insurance with a certain amount of liability coverage. Other policies you have must meet certain minimum liability coverage levels and other conditions may also apply. Talk to your local agent for more information about adding the extra protection of umbrella insurance.

RV Insurance

Insurance for however you use your RV

Our RV policies will cover you and your vehicle for recreational use—out on the road, at a campsite/park, or vacationing. And if you live in your motorhome or travel trailer, our full-time RV insurance package includes coverages similar to what you’d find on a homeowners policy, like personal liability and loss assessment.

Total loss replacement

We’ll replace your totaled travel trailer or motorhome with a brand new one, minus your deductible. For example, the RV you purchased two years ago may have depreciated in value. However, some carriers even guarantee the same model year or later which means we will replace your RV even if it costs more than the original vehicle’s purchase price.

Replacement cost/personal effects

Protect personal property inside your motorhome or travel trailer up to the limits you specify.

Emergency expense

Some of our carriers may pay you up to $750 (you can upgrade to $2,000) for meals, transportation and lodging expenses if you’re on vacation and your RV is disabled more than 50 miles away from your residence.

Standard RV Coverages

Comprehensive and Collision

Comprehensive covers your RV for events beyond your control: theft, vandalism, fire, glass breakage, weather-related incidents, and collisions with animals. Collision will repair or replace your RV if damaged in an accident with an object or another vehicle, regardless of fault. A deductible applies for both comprehensive and collision.

Example: Your travel trailer is damaged by hail while parked at a campsite. Comprehensive pays for the repairs, minus your deductible.

Liability

Pays for damages and/or injuries you cause. Liability coverage is required by law if you drive your motorhome. However, when insuring a travel trailer, you won’t have the option to select liability coverage because your trailer is pulled by a motor vehicle. Just make sure you have liability coverage on the vehicle that tows your travel trailer.

Example: You cause an accident while driving your motorhome, damaging another vehicle and injuring the driver. RV liability insurance pays for the driver’s medical bills and vehicle repairs, up to your policy’s limits.

Uninsured/underinsured motorist (UM/UIM)

If you’re hit by a motorist with no insurance or not enough insurance, UM/UIM can pay for your injuries, damages to your RV, and lost wages if you can’t work.

Example: You’re rear-ended by a driver with no insurance. Your motorhome is damaged and one of your passengers is injured. UM/UIM covers, up to your policy’s limits, the repairs to your RV and your passenger’s medical bills.

Medical payments

Covers medical bills for you and your passengers if you’re in an accident with your motorhome, regardless of fault. Note that medical payments don’t apply to travel trailer policies.

Example: Your spouse is injured in a fender bender while traveling in your motorhome. Medical payments will pay for your spouse’s hospital bills, even if the accident was your fault.

Extra RV Coverages

Roadside assistance

We’ll tow you to the nearest repair facility if your motorhome or travel trailer is disabled within 100 feet of a road or highway. Our roadside assistance covers fuel delivery, mechanical breakdowns, flat tires, and dead battery replacement.

Total loss replacement

If your motorhome or travel trailer is totaled in an accident, we’ll pay for a brand new one. That means if you paid $55,000 for your RV last year and it’s only worth $45,000 today, we’ll replace it with a new RV of the same model year or later and the same trim level or better—even if it costs more than what you originally paid. If you decide not to replace the vehicle, we’ll reimburse you for the original purchase price. Keep in mind, if your RV is more than 5 years old, some carriers cover the amount specified on your policy. A deductible applies in either scenario.

Replacement cost/personal effects

Get coverage, up to a specified amount, for personal items inside your RV, such as your smartphone or camera equipment.

Vacation liability

If someone is hurt in or around your RV while on you’re on vacation, you’ll have liability coverage up to $10,000. For a minimal cost increase, you can upgrade to $500,000 in coverage.

Full timer’s liability

You’re covered up to a specified limit if you’re liable for injuries in and around your RV. Full timer’s liability is meant for those who use their RV as a permanent residence.

Loss assessment

Some carriers cover any fees or charges from your RV association, up to $5,000. For instance, your RV association may mandate that members help pay for damages to shared areas caused by a storm.

Emergency expense coverage

We’ll give you up to $750 for transportation and hotel costs plus meals if you’re on vacation and your RV is disabled more than 50 miles away from your home. For an extra cost, you can upgrade to $2,000 in coverage.

Pet injury coverage

If your dog or cat is injured in an accident while riding in your RV, some carriers pay up to $1,000 to cover their vet bills. No deductible applies.

Recreational vs. full-timer’s RV coverage

There are two major types of RV insurance policies based on how you plan to use your RV. If you aren’t living in your RV full time and using it recreationally, your policy covers you while traveling and at your vacation site. Full timer’s insurance is for you if your RV is your primary residence, and you may want to add coverages like personal liability and loss assessment. However, most RV coverages apply to both recreational and full-timer’s policies.

Flood Insurance

Why flood insurance might be a must-have

We agree with the National Flood Insurance Program—everyone should have flood insurance, especially if you’re in an area that has a high flood risk. You might even be required to have it if you’re at high risk.

Here’s why the National Flood Insurance Program (NFIP) recommends flood insurance to everyone:

The situations that cause flooding—heavy rain, melting snow, severe coastal weather—can happen anywhere. In fact, one in five flood insurance claims comes from someone in a low—or medium-risk area.

Most of your house is covered; what isn’t?

Generally, most of your house is covered by flood insurance.

Specifically, the core parts of your home—like the foundation and the systems that keep it running—are covered. So are appliances.

Carpeting and personal belongings are generally covered, too, unless they’re in the basement.

One price, wherever you go

Unlike most other insurance coverages, your flood insurance policy will cost you the same, no matter where you get it. (Good news if you prefer not to shop around!)

The reason flood insurance costs you the same is that it’s a national program backed by the federal government (via the National Flood Insurance Program). So, however you buy it, it’s ultimately coming from the same place.

Motorcycle Insurance

Motorcycle Insurance Features and Coverage Options

Be Safe. Get the Coverage You Need to Enjoy the Ride.

Your motorcycle is one of your most prized possessions. You and your ride deserve special attention and protection. Because many of us are riders too, we understand the importance of bike safety. protects you and your motorcycle in ways that many other insurance companies don’t. Plus, get insurance coverage for your ATV, scooter, golf cart or snowmobile, too.

What Makes Us Different

Helmet, Jacket, Boots and Gloves

We’ve got you covered. provides up to $1,000 per person, per incident, to replace safety apparel lost or damaged in a collision at no extra charge and no deductible. This coverage is also included with liability only polices—something no other insurance company offers.

Popular Coverage Options

Customize Your Motorcycle Insurance

gives you the flexibility to choose the coverage that’s right for you to get out there and enjoy the open road. Choose motorcycle insurance coverage that’s right for you with the help of your local agent.

Custom Parts and Equipment

Optional custom parts coverage is available up to $20,000 per bike. Your first $3,000 in coverage is provided automatically at no extra charge when you choose this option. That’s some serious custom work.

Roadside Assistance

Trip interruption benefits are automatically included as part of motorcycle Roadside Assistance, which also covers towing to the nearest qualified repair shop and other basic emergency services. We’ll help get you back on the road quickly if you break down.

Coverage Required in Most States

Mandatory motorcycle insurance requirements vary by state. motorcycle insurance policies are designed not only to satisfy all mandatory requirements but offer even more great coverage options. Talk to your local agent about the levels and type of motorcycle coverage required where you live.

Bodily Injury Liability

Helps pay for bodily injury expenses, like hospital bills and medical care, that you may be held responsible to pay if you cause an accident that injures someone else, other than a guest passenger.

Guest Passenger Liability

Similar to bodily injury liability, but specifically covers a guest passenger riding with you on your motorcycle.

Property Damage Liability

Helps pay to fix someone else’s vehicle you’re held responsible for damaging in an accident.

Coverage Required in Some States

Uninsured/Underinsured Motorist Coverage

Helps pay for expenses associated with injury or death from an accident caused by an uninsured, underinsured, or hit-and-run driver. It also covers you if you are hit as a pedestrian.

Even More Coverage Options

Comprehensive

Helps pay for repairs or to replace your ride if it is stolen, vandalized or damaged in some way other than in a collision. Includes loss or damage from fire, flood, falling objects, wind and collision with an animal.

Collision

Helps pay for repairs to your motorcycle for damage caused by an accident.

Medical Payments

Helps pay hospital bills and medical care expenses for you or a guest passenger injured in an accident, no matter who is at fault.

Boat Insurance

Boat Insurance

We’re Your Safe Harbor

With boat and personal watercraft insurance, you get protection for your boat on the water and on land, with coverage for you and your guests. You’ll enjoy being on the water even more when you aren’t worried about your safety, the safety of your passengers, or your investment.

Your local agent can offer personal advice about product availability in your area and how much coverage is right for you.

Standard Coverage

Included With Every Policy

Every boat and personal watercraft insurance policy includes some great coverage to ensure your time on the water is worry-free and enjoyable.

Agreed Value

All boat and personal watercraft policies are agreed value, no matter the age of your boat or personal watercraft. If your boat is declared a total loss after an accident or theft, you’re covered for the total value we agreed upon when you insured it. There’s no complicated depreciation formula based on the age and condition of your boat. All you pay is the deductible. If your boat or PWC is a total loss, we’ll cover everything else up to the value we agreed upon.

Fishing Poles, Water Skis, Cushions and Coolers

With personal effects coverage, your fishing gear and other personal property is covered for up to $7 Unattached equipment like water skis, deck chairs, anchors, safety equipment and marine electronics is automatically covered for up to 10 percent of your hull value or $100, whichever is greater.

Fuel Spill and Wreckage Removal

Coverage for cost related to cleaning up fuel spills and removal of accident wreckage is included in every boat insurance policy. If your boat sinks or is seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner you are required by law to have this cleaned up, which can be time consuming and expensive. Your insurance will also help pay costs related to having your sunken or sinking boat raised and removed when required.

On the Water Near You

Boat insurance covers you and your boat up to 75 miles from the U.S. coastline and into Canadian coastal or inland waters. In California, Florida and Oregon, additional coverage areas can be purchased.

Popular Coverage Options

Customize your boat and PWC insurance by choosing options that are right for you. Ask your local agent for personal advice about watercraft insurance coverage options available in your state.

On-Water Assistance

Emergency assistance for boats and personal watercraft will reimburse you for the cost of on-water towing, labor and emergency services like delivery of fuel, oil or a loaned battery if your boat is disabled while on the water.

Captain’s Package

For only a few dollars a month, the Captain’s Package delivers a tackle box full of extra benefits, including:

  • New Boat Price Protection
    Replaces boats less than two years old with a new boat that has to the greatest extent possible the same features, equipment and options as the one you lost, regardless of the cost.
  • Roadside Assistance
    Your boat or PWC trailer, and the car or truck you tow it with, are both covered for up to $300.
  • Personal Effects Protection
    Increases this standard coverage to $2,500 with a $250 deductible.
  • Emergency Assistance
    Increases this coverage in most states to $1000.

Even More Coverage Options

Talk to your local agent about more boat and PWC insurance coverage and options available where you live, including:

Liability

Like auto insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages and other costs incurred as a result of a boating accident for which you are legally held responsible. It will also help pay for wreckage removal and fuel spill cleanup costs.

Medical Payments (MedPay)

Helps pay for expenses like hospital bills and medical care that you may be held responsible to pay if you cause an accident that injures someone else. Watercraft medical payments coverage is available from $500 to $10,000 and covers you, your passengers and even your water skiers and tubers, no matter who is at fault.

Physical Damage

Helps pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer, if it is stolen or damaged, up to the agreed value of your watercraft. Physical damage coverage also automatically includes coverage for unattached equipment, personal effects and emergency assistance. In some states, pet coverage is automatically included with physical damage coverage and additional fishing equipment is an option when at least one watercraft on your policy includes physical damage coverage.

Uninsured/Underinsured Watercraft Bodily Injury

If you are hit by an uninsured or underinsured boater, and you are injured, this coverage helps pay for medical treatment, lost wages and other costs associated with the accident.

Car Insurance

Required Auto Insurance Coverages in Florida

Whether you live in Miami, Orlando, Jacksonville, or beyond — all Florida drivers are required to have at least these coverages and limits:

  • $10,000/$20,000 bodily injury liability coverage per person/per incident
  • $10,000 property damage liability coverage
  • $10,000 personal injury protection (PIP) per person

Technically, Florida policyholders can reject bodily injury liability coverage in writing to their insurance company — though it’s not exactly recommended. This coverage can help pay for the other driver’s accident-related medical expenses when you’re found at fault in an incident.

How fault works after an accident

Florida is a no-fault state, which limits your right to sue an at-fault driver after an accident. No-fault coverage (sometimes referred to as personal injury protection) applies to medical expenses after an accident (and not to damaged property).

What PIP can cover

If you’re injured in a covered accident, personal injury protection can pay up to 80 percent of your injury costs, and up to 60 percent of lost wages if you can’t work due to injuries caused by the accident. If you’re unable to perform regular household tasks, PIP can also help pay for substitute services like cooking and cleaning.

When drivers can sue for medical expenses

In spite of the no-fault moniker, drivers can still sue an at-fault driver for medical expenses after serious accidents in Florida. Lawsuits can be filed if the accident resulted in permanent or fatal injuries or disfigurement. Bodily injury liability coverage can financially protect at-fault drivers if a lawsuit is filed, but only up to the limits you choose on your policy.

Optional Car Insurance Coverages

These optional coverages will give you extra peace of mind and added financial protection in the event of a claim:

  • Comprehensive
  • Collision
  • Towing and labor
  • Customized parts and equipment
  • Auto loan/lease (or “gap”)
  • Medical and funeral services payments
  • Uninsured/underinsured motorist bodily injury

Proof of Auto Insurance in Florida

Electronic proof of insurance

Just another way technology makes our lives easier — Sunshine State drivers can provide digital auto insurance ID cards as legitimate proof of coverage under state law. What’s more, Esurance customers can manage their policies and access their ID cards any time on our convenient mobile app.

Uninsured drivers in florida

The Insurance Research Council estimated that a whopping 23.8 percent of Florida drivers were uninsured in 2012. That was almost double the national average of 12.6 percent.

Uninsured motorist coverage is an optional policy addition that helps pay injury and property damage costs for you and your passengers if you’re ever involved in an accident with an uninsured or underinsured motorist.

Homeowners Insurance

Coverages in a Homeowners Policy

Most homeowners insurance policies provide a package of coverages. Keep in mind that you’re covered only if the loss is caused by a peril your policy covers. For example, if your home becomes unlivable due to an earthquake and your homeowners policy doesn’t cover earthquakes, your policy won’t pay for loss of use of your home. Review your policy for the limits of your coverage.

Dwelling

Pays for damage to your house and to structures attached to your house. This includes damage to fixtures, such as plumbing, electrical wiring, heating and permanently installed air-conditioning systems. Other Structures. Pays for damage to fences, tool sheds, freestanding garages, guest cottages and other structures not attached to your house. Personal Property. Reimburses you for the value of your possessions, including furniture, electronics, appliances and clothing, damaged or lost even when they aren’t on your property, such as those at an off-site storage locker or with your child at college.

Loss of Use

Pays some of your additional living expenses while your home is being repaired.

Personal Liability

Covers your financial loss if you are sued and found legally responsible for injuries or damages to someone else.

Medical Payments

Pays medical bills for people hurt on your property or hurt by your pets.

There are other types of insurance for other types of residences. If you own a townhouse, you may insure it through either an individual homeowners policy or an association master policy. If you live in a mobile home that has wheels and doesn’t rest on blocks or a permanent foundation, in most states you’ll buy a form of automobile insurance. This insurance offers far less coverage than homeowners policies. If your home is on land used for farming or raising livestock, ask about a farmowners policy.

Standard Homeowners Coverage

Included with Every Policy

Your homeowners policy includes coverage to help pay for repairs or to rebuild your home and other buildings on your property. This is the core of a home insurance policy.

At Home and on the Road

Your homeowners insurance policy protects your personal property, like your furniture, TV, clothing, books, computer, sporting goods and kitchen gadgets. Your belongings are protected when they’re at home or with you anywhere in the world, from across town to across the equator.

Protection for People

Home insurance is also about people. It protects your guests if they’re injured in your home or yard. It protects you in some situations if you’re held legally responsible for damage caused to someone else’s property, such as if your self-propelled lawnmower drives off and crashes through the neighbor’s greenhouse. You and your family are protected against bodily injury, property damage claims and litigation.

Temporary Housing and Expenses

If you’re unable to live in your home while it’s being repaired or rebuilt after a covered loss, additional living expenses helps pay the cost of temporary housing and living expenses for up to 24 months.

Home Insurance Features and Coverage Options

Whether you need a homeowners insurance policy with basic coverage or a fully-loaded policy with increased protection, we give you the flexibility to choose.Talk to your local agent for personal advice about product availability in your area and how much coverage is right for you. We’ll help you make sure your home is properly protected.

Identity Recovery

For only $1 a month, we’ll help cover the cost of restoring your identity if you’re the victim of identity theft. Identity-recovery coverage provides up to $25,000 for lost wages and expenses related to recovering your identity as well as personal one-on-one assistance. You can reduce your risk by learning how to prevent identity theft.

Jewelry, Art and Antiques

If you have valuable keepsakes like fine art, jewelry, antiques and other collectibles, like your grandmother’s Victorian sideboard and crystal stemware set, you may need extra protection. With valuable articles coverage, belongings you specify are protected by an agreed dollar amount, and there is no deductible.

If the Refrigerator Is Warm

You had your heart set on an ice-cold soda. But when you reach into the refrigerator, all your beverages are room temperature. For only $2 a month, equipment breakdown coverage will replace a covered appliance with an Energy Star® rated appliance of like kind and quality in the event of an unexpected mechanical or electrical breakdown not caused by normal wear and tear or corrosion. Skip costly home warranties and big-box retailer extended warranties.

For What It’s Worth

If you sold your dining room table and chair set in a yard sale, you’d probably get less for it than what it would cost to buy a new set in the furniture store. personal property replacement cost protection will help pay for the cost to purchase a new dining set that is of similar size and style as the one you lost. Same goes for your TV, clothing, sporting goods, bed and other covered belongings. In the event of a covered loss, we’ll pay the actual cost to replace your things that were damaged, lost or stolen, regardless of their age and condition, up to the limits and deductible you select.

Multiple Losses, One Deductible

Combine your home and auto policies as a Package and become eligible for a single loss deductible. If your car, motorcycle, boat or RV is damaged in the same event as your home, you may only have to pay one deductible. For example, if a tree falls and damages both your garage and your car, we’ll waive your auto deductible after your home deductible is paid.

What About Flooding?

Homeowners policies don’t cover flood damage. Depending on where your home is, you may qualify for flood insurance through the National Flood Insurance Program or through a private insurer. Contact an insurance agent for more information. If your home is in a flood plain, your mortgage lender will usually require you to buy flood insurance.

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