GreatFlorida Insurance - Monica Stolowich - Palm Springs Insurance

Commercial Insurance Quotes in Palm Springs, FL

Monica Stolowich, Agent

561-547-0174

2311 10th Ave North - Suite 7
Palm Springs, FL  33461
Fax : 855-312-0382

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Commercial Insurance Palm SpringsCommercial Auto Insurance

What is Commercial Auto Insurance?

GreatFlorida Insurance offers commercial auto insurance (e.g., truck insurance) policies to protect against liabilities for property damage and bodily injury.

You can’t control what people do behind the wheel, but you can give yourself optimum protection with a sound insurance policy.

Florida commercial auto insurance insures your vehicles for physical damage and liability coverage for amounts, situations and usage not covered by a personal auto policy.

This type of business insurance covers a variety of vehicles and is also referred to as commercial car insurance, truck insurance, or fleet insurance.

Whether you currently own a business or are a prospective business owner, you can get a Free Commercial Auto Insurance quote today. 

Simply call 561-547-0174 or complete our online quote request form.

Our Agents at GreatFlorida Insurance will help you find affordable Florida Commercial Auto Insurance to protect you and your business.

Why do you need Commercial Auto Insurance?

In general, if an auto is used in tasks related to the operator's occupation, profession or business, other than commuting, a commercial policy is necessary. 

This is because many business uses and auto types may be excluded from personal policies.

  • If you are using your auto to transport goods or people for a fee or if you use your auto to conduct a service, you may need a commercial auto insurance policy.

  • A commercial auto policy may be appropriate if you need higher limits of liability because of the nature of your work.

  • Hauling a considerable weight in tools or equipment or towing a trailer used to conduct your business may require a commercial auto insurance policy.

  • A commercial insurance policy may be needed if employees operate the auto or if ownership is in the name of a corporation or partnership.

Your GreatFlorida Insurance Agent in Palm Springs can help you determine the coverage you need based on how your vehicles are used in conducting your business and who will be driving your vehicles.

What does Commercial Auto Insurance cover?

Florida Commercial Auto insurance, like your personal auto policy, provides similar coverages such as liability, collision, comprehensive, medical payments (or personal injury protection) and uninsured motorists coverage.

However, there are also differences between a commercial auto insurance policy and your personal auto policy that may include eligibility, definitions, coverages, exclusions, and limits. Most Commercial Auto policies are "named driver only" policies, meaning only those drivers listed on the policy can operate a covered auto.

What are the coverages?

  • Bodily injury liability coverage – This pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense.

  • Property damage liability coverage – Property damage liability coverage provides you with protection if your car accidentally damages another person’s property. It also provides you with a legal defense.

  • Combined single limit (CSL) – Liability policies typically offer separate limits that apply to bodily injury claims for property damage. A combined single limits policy has the same dollar amount of coverage per covered occurrence whether bodily injury or property damage, one person or several.

  • Medical payments, no-fault or Personal Injury Coverage – This extremely important coverage usually pays for the medical expenses of the driver and passengers in your car incurred as a result of a covered accident regardless of fault.

  • Uninsured motorist coverage – This coverage pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.

  • Comprehensive physical damage coverage – This pays for damage to or replacement of your car from theft, vandalism, flood, fire, and other covered perils.

  • Collision coverage – Just like the name sounds, this pays for damage to your car when it hits or is hit by another object.

Are there commercial truck insurance policies available?

Yes. Your GreatFlorida Insurance Agent in Palm Springs wants to protect you from liabilities related to your commercial truck(s). Your business may qualify for coverages such as:

  • Tow truck insurance: If your business involves towing vehicles, you’ll need special policies in place. These include On Hook Towing (to cover damages caused to vehicles that you tow) and Garagekeeper’s Legal Liability (covers your business when you store cars for parking or service).

  • Bobtail or non-trucking liability insurance:  This type of coverage protects your vehicle if you’re using it for personal use and you are involved in an accident.

  • Motor truck cargo insurance:  Does your business involve moving cargo? You’ll need a special policy to protect you in the event that damages are caused to the cargo.

Types of vehicles covered

Commercial Auto Insurance covers a variety of vehicles that you rely on to serve your customers.  Often times, these vehicles include trucks such as:

  • Garbage trucks
  • Dump trucks
  • Flatbed trucks
  • Box trucks
  • Tank trucks
  • Tow trucks
  • Front loader trucks
  • Pickup trucks
  • Semi trucks

Additional vehicles include:

  • Vans
  • Cargo vans
  • SUVs
  • Cars

Contact GreatFlorida Insurance for a complete list of commercial and truck insurance vehicle coverages.

Are there limits on who can be covered by a commercial auto insurance policy?

Yes. To secure a commercial auto insurance policy or truck insurance policy for your business, your employees will need to have clean driving records (i.e., no violations or points on the license). 

Flexible payment plans

GreatFlorida Insurance offers a variety of payment options to keep your business on the move.  Commercial auto insurance and truck insurance policies don’t have to financially inconvenient. Our policyholders benefit from premium payment plans.

Additionally, we accept several forms of payment.

Get a Quote Online
Call 561-547-0174

About Commercial Auto Insurance in Palm Springs, FL

Whether you use your own car or oversee a fleet of vehicles, GreatFlorida Insurance offers commercial auto insurance to keep things moving forward when the unexpected occurs.

Our experienced agents in Palm Springs can present you with options for commercial auto coverage limits and deductible amounts to fit your budget and needs.

Even if you do not own company cars but an employee uses their own vehicle for work, you could be responsible for any accidents they cause.  

Keep your business and employees protected by signing up for dependable and affordable commercial auto insurance in Palm Springs.

Do not let your business skip a beat when an accident occurs. GreatFlorida Insurance can partner with you to have a secure commercial auto policy in place.

GreatFlorida Commercial Auto or Truck Insurance can guard your business by helping you invest into the right insurance policy. If you are using your own car for small tasks or you own a fleet of vehicles, Monica Stolowich at GreatFlorida Insurance Palm Springs, FL has options to conform to your long term business goals.

GreatFlorida Insurance can guide you through the process of setting up suitable Commercial Auto or Business Insurance coverage for your company. We offer competitive rates from A+ rated insurance companies to fit into your business' needs.

Your local GreatFlorida Insurance Agent in Palm Springs can help you find the right Commercial Auto or Truck Insurance policy at the right price.
Florida Commercial  Insurance Blog
by GreatFlorida Insurance
3/20/2019

Maintaining your car can require a lot of time and money. “Regular maintenance of your car can save you bigger car problems in the future” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s biggest independent car insurance agency.

In fact, AAA reports that most roadside trouble is a result of neglect from car owners failing to perform basic maintenance tasks. While some jobs are better left to the professionals, listed below are some simple and affordable tasks you can handle on your own.

Jump start your car

It can happen when you are on your way out, your battery is drained because you left on the lights. Simply jumping your car can get you back on the road.  It’s quick and easy. All you need is another vehicle and jumper cables. To start, turn off the engine on both cars. Grab jumper cables. Connect the positive (red) clamps to the positive terminal, one on each car battery. Throughout this process, do not let the jumper leads come into contact. Attach one negative (black) clamp to the negative terminal of the working car. Attach the other black clamp to an unpainted metal surface on your car that isn’t near the battery. Start the engine of the working car and wait five minutes. Then start your car. Do not turn off your engine.

Replace windshield wiper blades

Wipers should be replaced every six to eight months. You can pick them up at an auto parts store, online or a big box store. The store should have a manual telling you the type of wipers you need based on your car model and make. It is as easy as sliding them off and on, directions are included.

Checking car fluids

Fluids such as engine oil, brake fluid, wiper fluid and radiator coolant are essential to your vehicle’s function. Consult your owner’s manual to know how often to check your fluids. Park your car on a flat level surface and set the parking brake. Remember, always allow time for the engine to cool off before opening the hood. Many fluid levels can be checked using the dipstick included or checking the fluid reservoir.

Check tire pressure

Maintaining proper tire pressure gives your tires greater longevity, quicker steering response, a smoother ride and better fuel efficiency. Tiremaker, Bridgestone has the following recommendations for checking your tires. Gather the following items, a tire pressure gauge and air compressor. You can use an air compressor found at most gas stations. Check your car manual to find the recommended PSI (pounds per square inch of pressure). Check the tire pressure with your gauge. You can do that by removing the valve cap from your tire. Then place the pressure gauge on the valve stem and press down hard enough so the hiss sounds disappears, and your gauge provides a reading. With a standard gauge, the air pressure will push a small bar out from the bottom of the gauge. Measurement units are etched into the bar. A digital gauge will show you a reading on the screen. After checking each tire, fill to the correct PSI and repeat every month.

“For peace of mind, GreatFlorida Insurance can always sign you up for Emergency Roadside Service with your car insurance,” says Ellsworth Buck.

The post DIY Car Maintenance appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
3/13/2019

Recently in Pasco County, some inmates helped rescue a baby locked inside a vehicle. The parents of the child accidentally locked her in the car, leaving their keys on the front seat. A Pasco County Sheriff’s Office Inmate supervisor and five low-risk offenders repairing a parking lot meridian nearby offered to help. With a coat hanger and a special, “skill set” the inmates were able to open the door and retrieve the child.

“Thankfully the parents realized immediately the baby was in the car,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent car insurance agency.

While it seems unfathomable, people leave their children behind in the car several times a year. In 2018, over 50 children died in hot cars according to safety advocacy website, Kidsandcars.org.

The website highlights University of South Florida Psychology Professor, David Diamond’s work on why people forget and leave a child behind in a car. He explains it has to do with the complex functions of the brain. He states that the problem is the failure of prospective memory, the process by which the brain remembers to do something in the future. Professor Diamond says, “The brain memory systems that fail when people forget children in cars are the same as those systems that cause us to forget to shut off the headlights when we arrive at a destination.”

Several brain processes are involved with leaving a child in the car. Many factors can disrupt these processes such as stress, interruptions, multitasking, and sleep deprivation. Also, Professor Diamond points out, the lack of visual or verbal reminders increase the chance of a child being left in the car.

The National Highway Traffic Safety Administration reports heatstroke is one of the leading causes of non-crash-related fatalities among children. When a child is left in a hot car, their temperature can rise quickly.

“Children suffer heatstroke even if they are left in the car for a few minutes,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent car insurance agency.

Children are vulnerable to heatstroke. According to the National Highway Traffic Safety Administration the following are some facts about kids and heatstroke.

Kids aren’t built for heat: A child’s body temperatures rises 3-5 times faster than an adult.

Every minute counts: The temperature of a car can climb 20 degrees in 20 minutes.

It doesn’t have to be hot: Heatstroke can occur in the shade, with the windows down, and even at temperatures as low as 57 degrees.

The post Children Left in Cars appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
3/6/2019

You are in pain. You reach for some pain-reliever only to notice it’s expired. Do you still take it?

“It is a good idea to conduct an annual inventory of your medication,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent health insurance agency.

Since 1979, the U.S. Drug and Food Administration (FDA) has required an expiration date on all over-the-counter medication.

According to the FDA, “Drug expiration dates reflect the time period during which the product is known to remain stable, which means it retains its strength, quality, and purity when it is stored according to its labeled storage conditions.”

However, the FDA conducted a study finding 90% of more than 100 drugs, prescription and OTC were good to use even 15 years after the expiration date. While taking medication past the expiration date, cannot guarantee full potency, most of the effectiveness is retained.

Proper storage can help medication can retain its strength. Placing drugs in a cool, dry environment such as the refrigerator, will extend its shelf life. If left in a hot environment, such as your car, some drugs degrade rapidly.

Consensus among doctors is, expiration dates are very conservative to make sure you get your money’s worth. But, don’t be in a hurry to ditch your expired medication, save yourself some money. Tablet medication such as ibuprofen (Advil) can remain effective for years after being opened.

“While most meds are fine to use after their expiration date, that doesn’t mean they all are,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent health insurance agency.

The safety of expired meds should be considered. The FDA says of expired medication, “It also may yield toxic compounds, causing consumers to experience unintended side effects.”

Liquid medications deteriorate faster. According to Harvard Medical School you should avoid using the following medications after their expiration date.

  • Tetracycline (this antibiotic loses its effectiveness after expiration, though scientists are still researching this)
  • Nitroglycerin (taken as heart medication)
  • Insulin
  • Liquid antibiotics

GreatFlorida Insurance is committed to helping Floridians stay healthy. Our experienced agents can offer you and your family quality health insurance policies to fit your needs while staying within your budget. Call us at 888-478-7801 or go online to www.greatflorida.com for a free quote today.

GreatFlorida Insurance is a authorized vendor of health insurance for Blue Cross & Blue Shield.

GreatFlorida Insurance is a authorized vendor of health insurance for Blue Cross & Blue Shield.

 

The post What You Should Know About Expired Medication appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
2/13/2019

“If you are in the market for a new car this year, you may want to do some research before hitting the car lots,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent car insurance agency.

Consulting expert car critics is helpful. However, car lists while beneficial, are subjective. So, listed below are a couple of different lists to give you a more comprehensive idea of the kind of car you may want to dive home.

U.S. News and World Report Best Cars 2019

The experts at U.S. News and World Report looked at performance, interior, critic’s rating, safety and reliability. Below are the 2019 models they feel are the best.

Best Car: Toyota Camry and Honda Accord- tie

Best Luxury Car: BMW 5 Series

Best SUV: Ford Expedition

Best Luxury SUV: Lincoln Navigator

While newer cars are an investment, used cars can have some drawbacks. “Cars seem to get more powerful, comfortable and fuel efficient every year,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent car insurance agency.

2019 cars are equipped with the latest automotive technology. For some, this technology translates into safety features such as automatic steering avoidance. In other cars it is seen in updated conveniences, such as features to alleviate fatigue in drivers.

If you are looking for something more than just basic transportation, the next list is for you. The people at Car and Driver have selected their best 2019 cars that are fun to drive and full of personality. These cars make a statement.

Car and Driver 2019 Best Cars

BMW M2 Competition

Chevrolet Corvette Grand Sport

Ford Mustang GT

Genesis G70

Honda Accord

Honda Civic Sport Hatchback

Mazda MX-5 Miata

Mercedes-Benz E-Class

Porsche 718 Boxter/Cayman

Volkswagen Golf

Whether your car is new or old, reliable transportation or a showpiece, GreatFlorida Insurance has reliable car insurance for you, contact us today.

 

 

The post 2019 Best Cars appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
2/6/2019

Tax season is upon us. In fact, the Internal Revenue Service has begun receiving 2018 federal tax returns.

“With the recent tax cut and Jobs Act of 2017, people can expect a lot of changes,” says Ellsworth Buck of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

You can file for free electronically through the IRS website or download paper forms. Also, tax preparation companies such as Turbo Tax and H&R Block are filing tax returns to the IRS on behalf of their customers.

What’s new

According to U.S. News & World Report, the most significant changes this year are, tax rate changes, the doubling of the child tax credit, estate tax changes, business income, alimony payments and charitable and medical deductions. Also, the standard deduction nearly doubled to $12,000 for single tax filers and $24,000 for married couples filing jointly.

“Everyone has a different tax situation, some will come out better with the new changes while some, worse,” says Ellsworth Buck of GreatFlorida Insurance, Florida’s top independent homeowners insurance agency.

How to Prepare:

Print a tax checklist from the IRS, Turbo Tax or H&R Block. Collect and file necessary tax documents such as W-2s from your employers and 1099s from your bank. Do not forget to gather charitable contribution receipts.

Pull out old returns to remind yourself of the credits and deductions you claimed the previous year.

Common life events that could affect your taxes include, marriage, divorce, growing your family, educational expenses, buying or selling a home, retirement, accepting a promotion, receiving an inheritance and dealing with a death.

Deadlines

You have until April, 15 to file your 2018 taxes electronically or postmark your paper taxes. Tax returns for LLCs and S-corporations are due, March 15.

If you are looking for reliable homeowners insurance and trustworthy agents to guide you through the insurance buying process, contact GreatFlorida Insurance today.

 

 

 

The post Tax Season: What you need to know appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
1/30/2019

This Sunday, millions of viewers plan to watch the New England Patriots and the Los Angeles Rams as they meet up for the Super Bowl. In the U.S., 72 percent of adults plan to watch the game, while 44 million people plan to host a Super Bowl party according to an annual survey released by the National Retail Federation (NRF) and Prosper Insight and Analytics.

Hosting a house full of guests can have you playing defense. However, never fear, you have solid back up. Homeowners insurance will keep you protected.

“If you regularly host parties checking into an umbrella policy is a good idea. These policies help curb liability expenses that can happen during a party,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

Below are possible scenarios you could experience on Super Bowl Sunday. Also, is an explanation on how your home insurance keeps you covered.

 

Man down

As a homeowner, you are responsible for keeping your property safe. If someone trips over a rug on the way to the bathroom and is injured, you could be held financially responsible. Fortunately, a standard home insurance policy includes $1,000 in medical coverage for injuries to guests, per person. Liability coverage is also included if you are sued for injuries.

Fired up

Super Bowl Sunday is a big grilling day. The U.S. Department of Agriculture (USDA), reports Super Bowl Sunday as the second largest food consumption day in America.

Understandably, if you get distracted by the game and a mishap with the grill or a kitchen fire occurs, don’t worry you are covered. Dwelling coverage pays for the cost of damage or destruction to your home. If you plan to use a fryer, follow the following safety tips:

Keep the fryer at least 10 feet away from your home and never cook in the garage or on a wood deck.

Place the fryer on a level surface.

Keep children at a safe distance from the fryer.

Don’t use too much oil and over fill the fryer.

Monitor the temperature and use caution when touching the fryer, the lid and handles can be very hot.

Keep a fire extinguisher close by.

Illegal use of hands

To be on the safe side, consider hiding away your treasures that could be easily pocketed.

Keep an updated picture of your valuables for insurance inventory,” says Ellsworth Buck, Vice President of GreatFlorida Insurance.

While you don’t expect your friends to steal your stuff, you don’t always know everyone who comes over on game day. If something of yours goes missing, your personal property coverage pays to replace stolen items.

Stay protected in your home with dependable home insurance Contact a GreatFlorida Insurance agent today at 1-888-478-7801 or complete our free online quote request form at www.greatflorida.com.

 

 

The post Home Insurance Defends You During the Super Bowl appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
1/23/2019

“The top deadliest cities in the U.S. for pedestrians are found in Florida,” says Ellsworth Buck, Vice President for GreatFlorida Insurance, Florida’s largest independent car insurance agency.

Smart Growth American and the National Complete Streets Coalition have published their report, “Dangerous by Design 2019,” detailing the nation’s most deadly streets for pedestrians.

Data reveals, between 2008 and 2017 the number of annual pedestrian deaths in the U.S. increased by 35 percent. While walking has increased slightly during that time and driving has only increased eight percent. A total of 49,340 died over the ten-year period, more than 13 people killed a day.

The most dangerous cities to walk in the U.S. are ranked below

  1. Orlando-Kissimmee-Sanford
  2. Daytona Beach-Deltona-Ormond Beach
  3. Melbourne-Palm Bay-Titusville
  4. Sarasota-Bradenton
  5. Lakeland-Winterhaven
  6. Jacksonville
  7. Bakersfield, CA
  8. Cape Coral-Ft. Myers
  9. Tampa-St. Petersburg-Clearwater

14.Miami-Ft. Lauderdale-West Palm Beach

“Over the ten-year period, the Orlando area saw 656 pedestrian deaths,” says Ellsworth Buck, Vice President for GreatFlorida Insurance, Florida’s top independent car insurance agency.

The report exposes dangerous road design is to blame for deaths. Modern streets are wide with higher speed limits and longer blocks. The coalition is calling on congress to make changes such as, lowering speeds limits in areas with heavy foot traffic. They would also like to see more crosswalks with plenty of time to cross the street.

“Our federal policies, standards and funding mechanisms that have been in place for decades produce dangerous roads that prioritize high speeds for cars over safety for all people. These federal policies have continued to influence state and local policies as street design practices,” the report states.

The National Highway Traffic Safety Administration reminds pedestrians, when crossing the street- always obey signs and signals, keep alert at all times and do not assume a driver sees you.

GreatFlorida Insurance has knowledgeable agents across Florida who are committed to finding you the most affordable car insurance to fit your needs. Call 888-478-7801 or online at www.greatflorida.com for a free quote today.

The post Florida Tops the List for Pedestrian Deaths appeared first on The GreatFlorida Insurance Blog.