Protect What Matters Most

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 Personal auto insurance is designed to protect vehicles used for everyday life—like commuting, running errands, or weekend trips. These policies typically include essential coverages such as liability, collision, comprehensive, and often medical payments and uninsured motorist protection.

What to Know:

• Private Use Only – Personal policies are meant for individuals or families, not for business activities. If you use your car for work-related tasks (like deliveries or transporting clients), you may not be covered in the event of an accident.
   
• Lower Cost, Lower Risk – Because personal use usually means fewer miles and less exposure to risk, personal auto insurance tends to be more affordable than commercial policies.
   

Commercial auto insurance is designed for vehicles used in the course of business—whether it’s transporting goods, driving clients, moving equipment, or providing mobile services. It plays a critical role in protecting your business, meeting state and federal requirements, and reducing the risk of costly setbacks.

Why It Matters:

• Business Use Protection – Unlike personal auto policies, commercial coverage accounts for higher mileage, multiple drivers, and the unique risks of operating a business vehicle.
   
• Higher Coverage Limits – Commercial policies typically include increased liability protection and specialized coverages tailored to business operations.
   

Common Add-Ons Include:

• Hired & Non-Owned Auto Coverage – For vehicles your business uses but doesn’t own.
   
• Cargo Insurance – Protects goods in transit.
   
• Coverage for Multiple Drivers – Allows for employees or team members to operate insured vehicles.
   

 Motorcycle insurance provides many of the same protections as auto insurance—like liability, collision, comprehensive, and medical coverage—but also includes specialized options tailored to the unique risks and gear that come with riding on two wheels.

What a Motorcycle Policy Can Include:

• Accessories & Custom Parts Coverage – Protects add-ons like saddlebags, custom paint, chrome, and other upgrades.
   
• Roadside Assistance – Offers towing and emergency help if your bike breaks down.
   
• Trip Interruption Coverage – Helps cover hotel, food, and transportation expenses if you’re stranded far from home due to a breakdown.
   
• Helmet & Safety Gear Protection – Covers damage or loss of your riding gear, including helmets, gloves, and protective clothing.
   

 If you own a boat valued at more than a few thousand dollars, regularly take it beyond your property, or want liability protection on the water, a boat insurance policy is a smart investment. It offers peace of mind whether your watercraft is docked, in transit, or out cruising.

What a Boat Policy Typically Covers:

• Hull & Machinery (Physical Damage) – Covers repair or replacement of your boat due to accidents or covered events.
   
• Liability Protection – Provides coverage if you’re responsible for injury or property damage.
   
• Medical Payments – Helps pay medical expenses for you and your passengers after an accident.
   
• Uninsured Boater Coverage – Offers protection if you're hit by someone without insurance.
   
• Towing & Assistance – Covers emergency towing or roadside help.
   
• Personal Effects Coverage – Protects items like fishing gear, safety equipment, and marine electronics.
   

What’s Not Typically Covered:

• Routine wear and tear
   
• Damage from lack of maintenance
   
• Commercial use (charters, rentals, etc.)
   
• Boating outside approved navigational limits
   

 Whether you’re hitting the open road or setting up camp, RV and travel trailer insurance is designed to protect both your vehicle and your temporary home. It covers a wide range of recreational vehicles—including Class A, B, and C motorhomes, as well as towable trailers like fifth wheels, travel trailers, and pop-ups.

What Makes RV Coverage Different:

• Dual Protection – Unlike standard auto insurance, RV policies are built for both driving and living, offering coverage whether you’re in motion or parked.
   
• Personal Belongings Coverage – Protects the contents of your RV, from camping gear to electronics and furnishings.
   
• Vacation Liability & Travel Interruption – Covers you if something goes wrong during your trip, including unexpected lodging or transportation expenses.
   
• Optional Full-Timer Coverage – For RVers who use their rig as a permanent residence.

 Golf cart insurance helps protect you from costly accidents, damage, theft, or liability—and it's especially important in Florida, where golf carts are often driven in neighborhoods, retirement communities, and even on public roads.

Coverage That Matters:
Even though standard golf carts (under 20 mph) don’t require registration or insurance when used on private property or designated low-speed roads, coverage is still recommended to protect yourself and others. Many Florida communities do require proof of insurance to operate golf carts on their streets.

Know the Difference:

• Standard Golf Carts – No registration or insurance required for private use or on roads with speed limits of 25 mph or less.
   
• Low-Speed Vehicles (LSVs) – Modified to go 20–25 mph. Florida law requires these to be registered, titled, and insured. LSVs must carry:
   
  • Personal Injury Protection (PIP)
     
  • Property Damage Liability (PDL)