Orbit Insurance - Get into orbit...stay within. http://orbitflorida.com/ en Business Insurance http://orbitflorida.com/business-insurance <span property="schema:name" class="field field--name-title field--type-string field--label-hidden">Business Insurance</span> <div class="field field--name-field-image field--type-image field--label-hidden field__item"> <a href="/business-insurance" hreflang="en"><img src="/sites/default/files/styles/thumbnail/public/2018-07/buildng.png?itok=yEWQR0qx" width="92" height="100" alt="Building-image" typeof="foaf:Image" class="image-style-thumbnail" /> </a> </div> <span rel="schema:author" class="field field--name-uid field--type-entity-reference field--label-hidden"><span lang="" about="/user/1" typeof="schema:Person" property="schema:name" datatype="">admin1</span></span> <span property="schema:dateCreated" content="2018-07-03T18:38:02+00:00" class="field field--name-created field--type-created field--label-hidden">Tue, 07/03/2018 - 18:38</span> <div property="schema:text" class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><p>Insurance coverage is available for every conceivable risk your business might face. Cost and amount of coverage of policies vary among insurers. You should discuss your specific business risks and the types of insurance available with us. We can advise you on the exact types of insurance you should consider purchasing. These are some types of Business Insurance:</p> <p><span style="color:#FF8C00;">General Liability:</span> Business owners purchase this insurance to cover legal hassles due to accident, injuries and claims of negligence. These policies protect against payments as the result of bodily injury, property damage, medical expenses, libel, slander, the cost of defending lawsuits, and settlement bonds or judgments required during an appeal procedure.</p> <p><span style="color:#FF8C00;">Product Liability:</span> insures companies that manufacture, wholesale, distribute, and retail a product may be liable for its safety. Product liability insurance protects against financial loss as a result of a defect product that causes injury or bodily harm. The amount of insurance you should purchase depends on the products you sell or manufacture. A clothing store would have far less risk than a small appliance store, for example.</p> <p><span style="color:#FF8C00;">Professional Liability:</span> Business owners providing services should consider having professional liability insurance (also known as errors and omissions insurance). This type of liability coverage protects your business against malpractice, errors, and negligence in provision of services to your customers. Depending on your profession, you may be required by your state government to carry such a policy. For example, physicians are required to purchase malpractice insurance as a condition of practicing in certain states.</p> <p><span style="color:#FF8C00;">Commercial Property:</span> Property insurance covers everything related to the loss and damage of company property due to a wide-variety of events such as fire, smoke, wind and hail storms, civil disobedience and vandalism. The definition of "property" is broad, and includes lost income, business interruption, buildings, computers, company papers and money.</p> <p>Property insurance policies come in two basic forms: (1) all-risk policies covering a wide-range of incidents and perils except those noted in the policy; (2) peril-specific policies that cover losses from only those perils listed in the policy. Examples of peril-specific policies include fire, flood, crime and business interruption insurance.</p> <p>All-risk policies generally cover risks faced by the average small business, while peril-specific policies are usually purchased when there is high risk of peril in a certain area. Consult with us about the type of business property insurance best suited for your small business.</p> <p><span style="color:#FF8C00;">Home-Based Business:</span> Contrary to popular belief, homeowners' insurance policies do not generally cover home-based business losses. Depending on risks to your business, you may add riders to your homeowners' policy to cover normal business risks such as property damage. However, homeowners' policies only go so far in covering home-based businesses and you may need to purchase additional policies to cover other risks, such as general and professional liability.</p> </div> Tue, 03 Jul 2018 18:38:02 +0000 admin1 3 at http://orbitflorida.com Homeowners Insurance http://orbitflorida.com/homeowners-insurance <span property="schema:name" class="field field--name-title field--type-string field--label-hidden">Homeowners Insurance</span> <div class="field field--name-field-image field--type-image field--label-hidden field__item"> <a href="/homeowners-insurance" hreflang="en"><img src="/sites/default/files/styles/thumbnail/public/2018-07/house.png?itok=r-rXJzIm" width="100" height="93" alt="House-image" typeof="foaf:Image" class="image-style-thumbnail" /> </a> </div> <span rel="schema:author" class="field field--name-uid field--type-entity-reference field--label-hidden"><span lang="" about="/user/1" typeof="schema:Person" property="schema:name" datatype="">admin1</span></span> <span property="schema:dateCreated" content="2018-07-03T18:36:16+00:00" class="field field--name-created field--type-created field--label-hidden">Tue, 07/03/2018 - 18:36</span> <div property="schema:text" class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><p>Home insurance, commonly known as "homeowner's insurance" or "hazard insurance", is a type of property insurance that covers a private residence. The insurance policy combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of use (cost of additional living expenses), or loss of other personal possessions of the home owner, as well as liability insurance for accidents that may happen at the home or at the hands of the home owner within the policy territory.</p> <p>With coverages for Homeowners, Condo, Dwelling, Fire, Windstorm, Flood Insurance, etc. a  Homeowner's policy is referred to as a multiple-line insurance policy, meaning that it includes both property insurance and liability coverage, with an indivisible premium, meaning that a single premium is paid for all risks.</p> <p>We provide a good variety of choices in homeowners insurance policies by offering multiple carrier options. Our agents will do the shopping to find you the most competitive prices.</p> </div> Tue, 03 Jul 2018 18:36:16 +0000 admin1 2 at http://orbitflorida.com Automobile Insurance http://orbitflorida.com/automobile-insurance <span property="schema:name" class="field field--name-title field--type-string field--label-hidden">Automobile Insurance</span> <div class="field field--name-field-image field--type-image field--label-hidden field__item"> <a href="/automobile-insurance" hreflang="en"><img src="/sites/default/files/styles/thumbnail/public/2018-07/car.png?itok=kdT52sZg" width="100" height="71" alt="automobile-image" typeof="foaf:Image" class="image-style-thumbnail" /> </a> </div> <span rel="schema:author" class="field field--name-uid field--type-entity-reference field--label-hidden"><span lang="" about="/user/1" typeof="schema:Person" property="schema:name" datatype="">admin1</span></span> <span property="schema:dateCreated" content="2018-07-03T18:35:20+00:00" class="field field--name-created field--type-created field--label-hidden">Tue, 07/03/2018 - 18:35</span> <div property="schema:text" class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><p>Vehicle insurance (also known as auto insurance, GAP insurance, car insurance, or motor insurance) is insurance purchased for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions, and against liability that could also arise therefrom. The specific terms of vehicle insurance vary with legal regulations in each region. Vehicle insurance may additionally offer financial protection against theft of the vehicle and possibly damage to the vehicle, sustained from things other than traffic collisions. These are some of the insurance coverages:</p> <p><span style="color:#FF8C00;">Personal Injury Protection (P.I.P.):</span> PIP coverage makes the individual responsible for their own injuries in an accident regardless of fault. In Florida, it is required to be purchased by all owners of motor vehicles registered in this state. Anyone in your car who has PIP car insurance will be covered by his or her own policy if you get in a car accident. P.I.P. will also cover:</p> <ul> <li>You, while you are a passenger in someone else’s car.</li> <li>Your child and other members of your household.</li> <li>Your child (when he or she is riding on a school bus).</li> <li>You (when you are a pedestrian or bicyclist involved in a car accident.)</li> <li>Passengers in your car who do not own a car.and do not have their own PIP insurance.</li> </ul> <p><span style="color:#FF8C00;">Property Damage (P.D.): </span>will cover you for damages you cause in a car accident to someone else’s property, such as homes or buildings.</p> <p><span style="color:#FF8C00;">Bodily Injury (B.I.):</span>  The Florida Financial Responsibility Law requires that a person, who is at fault for an accident, must provide financial coverage of at least $10,000 per person and $20,000 per accident.  Meaning, if you cause an accident which results in bodily injuries to another person(s), you must either have B.I. insurance or post a bond for the required amount of coverage. If this responsibility is not met, it can result in a loss of your driving privileges. You will also be required to make financial arrangements to pay for any judgment against you for property damage and/or bodily injuries before you can get your driver's license reinstated. This coverage is not required to legally drive an automobile in the state of Florida, however, it can be if you have been convicted of a DUI and the minimum required is $100,000 per person and $300,000 per accident. </p> <p><span style="color:#FF8C00;">Comprehensive:</span> This coverage will pay for damages to your car that do not result from accidents, e.g., scratches to your car’s paint due to vandalism.</p> <p><span style="color:#FF8C00;">Collision:</span> This coverage will pay for accident-related damages to your car.</p> <p><span style="color:#FF8C00;">Uninsured/Underinsured Motorist (U.M.):</span> This coverage will pay for damages incurred by incidents with drivers who do not have insurance.</p> <p><span style="color:#FF8C00;">Rental car coverage:</span></p> <p><span style="color:#FF8C00;">Towing and labor:</span></p> <p>Finding the best car insurance for you is our job. We offer the most competitive quotes on South Florida auto insurance, even for drivers with less than perfect driving histories. Whether you are an experienced driver or a teenage driver, our experienced agents will find the best auto quotes in from multiple carriers. Please give us a call or stop by one of our offices.</p> </div> Tue, 03 Jul 2018 18:35:20 +0000 admin1 1 at http://orbitflorida.com