Emerald Coast Insurance Solutions has a variety of insurance options for contractors, including:

• Professional Indemnity. It can cover contractors against claims for negligence, unintentional breaches of intellectual property, loss of data, or documents and claims for dishonesty.
• Employers Liability- covers employees for any injury sustained at work. Normally, contractors must have this insurance by law, even if you are the sole ‘employee’ of your limited company.
• Public Liability- also known as “general” or “product” liability insurance. It covers your company against third party claims. It will also cover you if you accidentally damage property at your client site.

Contact us today to ask about which Contractors Insurance options may be right for you.

In today’s highly competitive business environment you need every advantage to succeed. That’s especially true when it comes to selecting your business insurance. Restaurants are unique and shouldn’t be insured like other businesses. In order to meet these specific needs, we have created a special restaurant package that broadens and increases coverage where restaurants need it most. Our goal is to provide more for the insurance dollar than any of our competitors.

Our Restaurant package program provides many forms of coverage that are not found in standard coverage forms. Additionally, the limits for many standard coverage parts have been increased substantially.

If outside power fails, what damage can that cause and to what extent can that potential financial loss be protected? Is your food covered for spoilage? Do you have adequate protection in the event of a liquor liability claim? Are you properly protected from a claim arising from a delivery of food? These are just a few of the questions you should think about.

Purchasing insurance for your restaurant could save you a lot of money in the event of an unfortunate situation. A basic policy could provide coverage for buildings and storage facility, workers compensation, liquor liability insurance, loss of business income, and theft or employee dishonesty.

Emerald Coast Insurance Solutions will shop the top carriers in the country to find restaurant insurance that will work well with your business.

Like with any form of insurance, better maintenance can lead to lower insurance costs. Making sure that all safety codes are met can lead to lower premiums. If your hotels are located in a parts of the country that are frequently affected by severe weather, then a higher level of insurance against weather damage would be a good investment.

Does your current insurance provider review your policy on a regular basis? Do you know what changes have been made in the last year may have impacted your insurance policy?

At the Emerald Coast Insurance Solutions, we know that your biggest priority should be running your hotels. We help our clients focus on managing their business by allowing them to know that they are adequately insured for the events that could happen.

At the Emerald Coast Insurance Solutions, we understand that your business has specific needs and requirements, and we’ll shop the country to find you the right policy. You deserve the peace of mind that comes with knowing that your plumbing business is adequately protected and ready for any situation.

Everyone knows how important plumbers are for the safety and maintenance of buildings. But what happens if a plumbing mistake causes damage, or creates a loss of revenue? Does your insurance provide for those unforeseeable situations?

What happens if an employee or subcontractor is injured on the job? Are you at risk not only for compensation but legal problems as well? We understand the details of the insurance business. We’ll help you make sure that you’re covered as your business grows.

An insurance policy for your plumbing company from Emerald Coast Insurance Solutions will not only protect your investment, but help build the foundation you need for a successful business.

At Emerald Coast Insurance Solutions, we know the needs of contracting professionals. We have worked with and can develop specific policies to provide the right coverage for electricians and electrical service installation companies.

Don’t try to navigate the insurance maze by yourself! Electrical code is complex enough; you shouldn’t have to learn insurance regulations too. We’ll save you both time and money by shopping the country for the best policies. You run the wiring; we’ll find the right coverage.

We can not only provide liability or property coverage, but also the proper coverage to protect property owners and project managers so you can gain more jobs.

Contact us today to not only see how you can save, but find out how we can help you build your business too!

Are your subcontractors protected? What about temp or additional employees? What happens if miscalculations lead to a loss of revenue for your customers? Are you protected?

Your business is demanding. It shouldn’t include trying to learn all the in’s and out’s of insurance policies. That’s where we come in. Emerald Coast Insurance Solutions will shop the top carriers in the nation to find the right coverage for your HVAC company, at the best rate for your specific needs. Our insurance professionals understand the problems and challenges that come with being a contractor. We know the different types of coverage, and will fit your policy to your specific needs, and we’ll do a thorough job of exploring all types of exposures so that you can rest assured knowing that you’re covered.

Even better, we’ll save you time and money by doing the shopping for you. Contact us today to discuss our customized insurance program to meet the specific needs of your business, at the rate you deserve!

Homeowners insurance provides you with financial protection against disasters. A typical homeowners policy will insure the home’s structure, and the contents inside it.

Homeowners Insurance covers damage to your property and provides liability protection. If injuries occur on your property that you are legally liable for, you homeowners coverage will protect you. Additionally, coverage extends to include property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by disasters is also included in a standard homeowners policy. Floods, earthquakes, and poor maintenance often cause damage that would be covered under your homeowners insurance. But if you are looking for additional protection, you will need to purchase separate policies for flood and earthquake coverage.

A basic homeowners insurance policy typically includes the following four types of coverage:

• Coverage for the structure of your home.
• Coverage for your personal belongings.
• Liability protection.
• Additional living expenses in the event you are temporarily unable to live in your home because of a fire or other insured disaster.

If you want to learn more about your homeowners options, give Emerald Coast Insurance Solutions a call at 850.XXX.XXXX or fill out our contact form. Our friendly agents will give you a free homeowners quote that could help you save big. And to save up to 30%- think about combining your auto and homeowners policies with Brown Insurance.

Insuring your car will protect you from financial loss if you are ever involved in an auto accident. An auto insurance policy is essentially an agreement between yourself and your insurer that provides you with property, liability and medical coverage.

Although many people opt for minimum liability coverage, an auto policy may insure any of the following protections:

• Bodily Injury Liability

  Bodily injury liability covers the designated driver or policy holder if they are injured in an auto accident or if they cause injury to others. If you have family members listed on your policy, they are also covered if driving another person’s vehicle with their permission. If you opt for the minimum liability coverage, the amount you purchase may not completely cover you if you are involved in a serious accident or are served with a lawsuit. Buying more than the state required minimum will protect your assets – your home, boat, and savings- if you get into an accident.

• Medical Payments

  Medical payments (or personal injury protection plans) pay for the care of injuries to the driver and passengers of the policyholder’s car in the event of an accident. Depending on the amount of coverage you choose, medical payments coverage can cover medical costs, lost wages, and possible funeral costs.

• Property Damage Liability

  Property damage liability coverage covers the damage you, or someone driving your car with your permission, does to another person’s property. Usually, this includes damage to lamp posts, telephone poles, buildings, fences, or other structures you may hit.

• Collision

  Collision coverage covers damage that to your car that results from a collision with another vehicle or object. This type of coverage also covers your car against damage from potholes, or if it flips over. You can choose a relatively low deductable or a high one- but keep in mind that a higher deductable will result in a lower premium.

• Comprehensive

  If you car is stolen or is damaged by something other than a collision with another car or object (i.e. fire, falling objects, missiles, explosions, hail, vandalism, etc.). Comprehensive insurance will also reimburse you if your windshield is cracked or shattered. Some companies offer glass coverage with or without a deductible.

• Uninsured and Underinsured Motorist Coverage

  If you are hit by an uninsured driver, or are the victim of a hit and run accident, this type of coverage will reimburse you, a member of your family, or a designated driver. Underinsured motorist coverage is used when an at-fault driver does not have enough insurance to pay for the costs to repair your vehicle. This coverage can also come into play if you are hit as a pedestrian.

If you are looking into purchasing an auto insurance policy,Emerald Coast Insurance Solutions is happy to help. Contact us today for more information, or to get a free auto insurance quote. Even better- by combining your auto and homeowners insurance with Emerald Coast Insurance Solutions, you can save up to 30%!

Many insurance agencies can offer the following business insurance coverage:

• Business Owners Policies
• Worker’s Compensation
• General Liability
• Errors & Omissions
• Commercial Auto
• Commercial Property
• Professional Liability
• And much more…

A business is a huge investment; do not leave it to chance by having inadequate insurance coverage. Berry Insurance Agency, Inc. is a business too, so we understand the importance of comprehensive coverage. We offer many options for business insurance, no matter how big or small your business may be. Contact us today and fill out our free business insurance quote form!

When you’re out on the waterways, there’s always a chance that something might go wrong. We hope it doesn’t, but the most important thing you can do is make sure you’re covered if it does.

Medical Payments Coverage

Medical coverage typically helps take care of eligible medical expenses as defined in your policy. The limit you choose for this coverage will decide how much coverage you will have.

Physical Damage Coverage

When something goes wrong, good boat insurance coverage can mean all the difference in the world. It can be the difference between sinking and surviving. This optional coverage is typically designed to take care of your boat, motor, and trailer all the time. Our agents will help you determine the right amount of physical damage coverage for each boat on your policy. You will also need to choose a deductible, the amount you would pay on a claim before your policy kicks in.

Liability Coverage

If you’re involved in an accident, there’s a good chance another person or another watercraft is involved. And if you’re at fault, you’ll need liability coverage. Unfortunately, sometimes it only takes a minute to turn a good day into a bad one. And when the unexpected happens, liability coverage typically makes a big difference. It’s an important part of your watercraft policy.

If you plan to spend time on the water, you need to plan for the unexpected. Enjoy your time on the boat, but protect what you’ve worked hard to get by including adequate liability coverage. If you or someone else in your household has a boating accident that injures someone else (including a swimmer or water skier) or damages someone else’s watercraft or dock, you’ll feel better knowing that you have coverage in place to help manage the situation. You can choose a lot of liability coverage or a little – it’s up to you. We’ll show you what coverage and limits may be available and how to get the maximum personalized protection you need. Whether you’re a lifelong boater or just getting started, it’s always a good idea to take a close look at your new or existing marine policy. We can help.

Call one of our agents today to check our competitive rates and eligibility. Our expert agents will be happy to answer your questions and help you design a policy that fits all your needs.

You’ve worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price. Why not get started today and save with a free boat rate quote?