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Twin Palms Insurance GroupBusiness Liability, Property Insurance, Workers Compensation, Business Auto Insurance, Homeowners Insurance, Construction Insurance, Personal Umbrella, General Liability, Business Auto Insurance
Business Auto Insurance
A business automobile policy (BAP) provides coverage for a company’s use of cars, trucks, vans and other vehicles in the course of carrying out its business. Coverage may include vehicles owned or leased by the company, hired by the company, or employee-owned vehicles used for business purposes.
Companies should have a business automotive policy even if they do not own vehicles if they can use personal vehicles for business purposes at any time. This coverage is essential for employees who use their private cars to carry out their business tasks. In the event of a serious accident, the employee may not have sufficient liability coverage to adequately protect the company…
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Business Liability Insurance
Business liability insurance protects a company and/or company owner in the event of a formal lawsuit or any claim from third parties. Coverage includes financial liabilities incurred in addition to the legal defense costs of the company. There are three main types of insurance covering business liability: general liability insurance, professional liability insurance and product liability.
Small business owners, including partnerships and sole proprietorships put personal finances at risk in the event of a business related lawsuit. Even under a limited liability corporation (LLC), an individual could still be exposed to personal risk. Business liability insurance offers more financial protection than any legal structure offers…
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Commercial or Business Property Insurance
Insurance for commercial or business property is used to cover any commercial property. Commercial property insurance protects against risks such as fire, robbery and natural disasters. A variety of companies, including manufacturers, retailers, service-oriented companies and non-profit organizations, are insured with commercial property.
When determining how much a company should pay for business property insurance, the value of a business’ assets, including the building, is the primary factor…
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Construction Insurance
Construction insurance is insurance that provides financial compensation for covered losses to a building or structure, as errors and unforeseen events can lead to damage and losses during a building’s construction. Building companies or other parties that have an interest in the property being built generally purchase it.
Construction projects are generally extremely costly with different risk exposures, taking into account the quantity of materials, equipment and contractors required to complete the project. Without building insurance, it would be extremely risky for companies to participate. It gives the invested parties the peace of mind to carry the project forward…
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Homeowners Insurance
Homeowners insurance is a form of property insurance that covering losses and/or damages to a house and to assets in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property.
When a mortgage is necessary on a home, the homeowner is required to provide proof of insurance on the property before the lending bank can issue a mortgage. Payments that are made toward a homeowners insurance policy are generally included in the monthly payments of the homeowner’s mortgage…
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Personal Auto Insurance
Automobile insurance is a policy purchased by vehicle owners to mitigate the costs of a car accident. Instead of paying out of the pocket for car accidents, people pay annual premiums to a car insurance company and pay all or most of the costs associated with a car accident or other vehicle damage.
Automotive insurance premiums vary depending on age, gender, years of driving experience, history of accidents and infringements and others. Most states require that all car owners buy a minimum amount of car insurance, but many people buy additional insurance to further protect themselves…
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Personal Umbrella Insurance
An umbrella insurance policy is extra liability insurance coverage that goes beyond the limits of the insured’s home, auto or watercraft insurance. It provides an added layer of security to those who are at risk for being sued for damages to other people’s property or injuries caused to others in an accident. It also protects against vandalism, slander, libel, and invasion of privacy.
An umbrella insurance policy is very helpful when the insurance owner is sued and the dollar limit of the original policy has been exhausted…
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Renter’s Insurance
An umbrella insurance policy is extra liability insurance coverage that goes beyond the limits of the insured’s home, auto or watercraft insurance. It provides an added layer of security to those who are at risk for being sued for damages to other people’s property or injuries caused to others in an accident. It also protects against vandalism, slander, libel, and invasion of privacy.
An umbrella insurance policy is very helpful when the insurance owner is sued and the dollar limit of the original policy has been exhausted…
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Workers Compensation
Workers compensation offers medical expenses, lost wages, and rehabilitation costs to employees who are hurt or become sick “in the course and scope” of their job. It also pays death benefits to families of employees who are killed on the job.
Our 15+ years of experience and our relentless commitment to exceptional customer service make Twin Palms Insurance Group different. No two businesses are exactly the same and we are committed to offering flexible and intelligent underwriting solutions, with coverage tailored to a business’s needs. We also don’t shy away from complex risks. Contact Twin Palms Insurance today to discuss your options…
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Contact Twin Palms Insurance Group Today
Providing Insurance services throughout South Florida: Business Liability, Property Insurance, Workers Compensation, Business Auto Insurance, Homeowners Insurance, Construction Insurance, Personal Umbrella, General Liability, and Business Auto Insurance.
Twin Palms Insurance Group is highly respected, reliable and knowledgeable Insurance Company serving the communities of Stuart, Tequesta, Jupiter, North Palm Beach, Palm Beach Gardens, West Palm Beach, Palm Beach, Port St. Lucie, Hobe Sound, Palm City and Jensen Beach, with individual insurance and business insurance services.