Why Boat Insurance Matters in Florida

Florida is one of America’s states that enjoy warm weather almost the whole year, making it one of the leading boating states in the U.S. While boating is popular in Florida, have you thought about boat insurance?

Although boat insurance is not mandatory, it’s a valuable asset for all boat owners. Boats don’t come cheap. Imagine the cost of replacing your boat in case of an unfortunate occurrence? The truth is boat insurance is as essential as car insurance — it cushions you and your boat when the unthinkable occurs. Hamilton Fox & Company Inc. would like to share why boat insurance matters here in Florida.

Protects you against uninsured and reckless boaters

Since Florida does not require boat insurance, most boaters don’t have this coverage. It means when you get into an accident with an uninsured boater, you could have trouble getting compensation. However, this doesn’t have to be the case when you have invested in uninsured boater coverage.

Protects your asset

Boats are not cheap, and neither are repairs after damage. That said, endeavor to protect your significant investment with boat insurance. Watercraft insurance protects your boat after damage and even when stolen.

Protects your loved ones

Protection against personal injury is an essential component of the boat insurance policy. In the event of an unfortunate incident, you want to be sure you have enough coverage to pay medical expenses for people on board. Boat insurance has that coverage that takes care of such expenses.

Boat insurance in Pinecrest, FL

There is a lot that can happen on the water. If you can’t be on the road without your car insurance, you shouldn’t ride your boat without insurance. Even for your peace of mind, boat insurance is essential. Ready to purchase your boat insurance in Pinecrest, FL, and its surroundings? Contact us at Hamilton Fox & Company Inc. for an affordable quote.

Why Florida Restaurant Owners Need Umbrella Insurance

Hamilton Fox & Company Inc. built our reputation on providing excellent customer service. We are committed to helping our clients navigate life’s risks. We serve the Pinecrest, FL community, as well as the surrounding areas. We offer multiple types of coverage to help protect our clients in any situation. We look forward to helping you find the coverage you need.

Why Florida Restaurant Owners Need Umbrella Insurance

Sometimes accidents happen when you least expect them. Umbrella insurance acts as a safety net in these situations. Umbrella insurance is a form of supplemental coverage that covers you when you have reached your liability limits on other insurance policies. If you are involved in a serious liability dispute, umbrella insurance will step in to prevent you from losing your assets through litigation.

If you are a Pinecrest, FL business owner in the restaurant industry, umbrella insurance can prevent you from losing your business. Owning a restaurant leaves you vulnerable to multiple risks. Perhaps one of your customers slips and falls while walking into your restaurant and breaks their leg. The customer decides to pursue legal action. If your liability limits are maxed out, you will have to cover the injured party’s medical treatment out of your assets unless you have umbrella insurance. Perhaps you serve an extra glass of alcohol to the wrong customer, and they get behind the wheel while drunk and cause a serious accident. Your business will be held responsible for the damages. Umbrella insurance can prevent you from losing everything that you have worked for in this situation.

Hamilton Fox & Company Inc. Will Help You Protect Your Investment

Visit our website to learn more information about umbrella insurance.