Bob Lindsay Agency Blog

Many law enforcement officials could tell you that cars are not always targeted by thieves for their resale value – sometimes it is only the contents of the vehicles that crooks are interested in. The top two things you could do as a car owner to help prevent individuals with sticky fingers from causing you financial trouble are: always locking the doors when exiting the vehicle; and obtaining a comprehensive Florida insurance policy for your vehicle and home to ensure you can claim for compensation. How could you avoid being a victim?

When you live in the Sunshine State, you have to be prepared for the possibility of a hurricane. Your Florida insurance policies may provide you with a financial buffer in the event that your home or business is in the direct path of a storm, but taking steps to limit the damage your property experiences is a smart idea. A potentially great investment for Floridians is hurricane shutters, which may help limit the impact of the heavy winds and rain that accompany these storms.

Many businesses are required to carry Florida workers compensation insurance. This coverage is designed to pay for on-the-job injuries suffered by your employees. Some injuries may be dressed on-site without the help of a healthcare professional. There are four basic levels of burns. Can you recognize the difference of a minor burn and a serious one? Here are a few guidelines to keep in mind.

As the business owner, you are responsible for providing a safe working environment for all your employees and to have workers’ compensation insurance unless you are exempt. In the Sunshine State, the Florida workers compensation regulations vary between industries, but most businesses are required to have coverage. According to the Centers for Disease Control and Prevention, many workers are exposed to fall hazards at work across a variety of industries, and many falls are fatal. 

Gardening is a fantastic way to get fresh air, get your heart rate up, and beautify your home. It could be a good idea to have a health policy from a Florida insurance provider in place before exercising your green thumb. Your yard may seem like a safe place to spend your spare time, but there are all sorts of dangers lurking about.

Do you own a commercial fishing operation? A personalized Florida insurance policy could greatly help you minimize the financial risk you face and protect your profits. Commercial fishing is one of the most dangerous and deadly jobs in America. You, your crew, your catch, and your vessel are in constant danger. 

Does your Florida insurance policy cover short-term disability? Receiving compensation if you are temporarily out of work is essential. With an ever increasing snake population in the Sunshine State, the event of being seriously injured in your own backyard is all the more likely. With the constant development farther into the everglades, the higher the risk becomes for snake bites. Even if you live in urban areas, the danger is still there so it is best to familiarize yourself with Florida’s six species of venomous snakes.