Protect yourself and your business with General Liability insurance. General liability insurance protects owners and operators of a business from a variety of liability exposures. Through our partners we work with, we can provide you quotes and outstanding service for your General Liability Insurance to help you save time and money.
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A general liability insurance quote always showcases key elements that you need to bear in mind. Here are the three of them that will most likely find in all of your proposals. Although these three items are sometimes discreet and are harder to uncover, still, taking time to look for them when shopping for liability insurance is all worth the effort.
Look for the Carrier Niche
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Assess the Carrier Rating
You will know if you are dealing with the right insurance provider by analyzing their ratings for financial stability. Likewise, this will also inform you that they are providing a more comprehensive coverage and not just the simple, basic coverage. More likely, companies with lower financial ratings have cut their insurance policies to basics. Meanwhile, higher rating insurance carriers have much extensive and more comprehensive coverages for your business.
Although classification directly and significantly impacts the pricing of your policy, it can also affect the coverage since it may or may not be triggered, especially if you are making a claim. That is why when making a claim, it is only practical to get a general liability quote with classifications included. Without classifications, you are in danger of not having the coverage that you are asking for.
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The general liability insurance quotes Florida cost is very costly, complex to know, as well as rigid in the rate promulgation. The key element of obtaining the comprehensive proposal understands some of key elements on what makes the proposal comprehensive. So, below we have actually laid out key element of each proposal, which you have to seriously think of ramifications of the decision. The insurance carrier range is probably most important part of the insurance decision process. In case, insurance carrier that you choose is not sound, doesn’t matter how good the costing is it can be of very little value while you have the claim to present the insurance company that is no longer in the business. No matter whether the company is the regional company or national company will seriously impact the ability to meet general liability insurance quotes Florida requirements of the vendors or clients. You have to ensure your insurance carrier has breadth & depth of the products or services to meet the businesses insurance requirements. Each general liability insurance quotes Florida Company has various forms, coverage’s, as well as specialty endorsements.
Ensuring that you are with right insurance company, which is giving the coverage’s you require is the important part of buying process. Lastly, being in insurance company, which has the history of the stability in pricing, can protect you from the large costing swings in renewal time. The general liability insurance quotes Florida companies, which under-price the products first year & have the substantial rate increases in renewal will make havoc in the financial planning. Like you may see, the carrier selection is of utmost importance to plan the insurance portfolio. To take time on the commercial general liability quote to ensure that insurance company that you are getting quote from one that specializes in industry, can increase probability that carrier is providing specialty coverage’s, which you need for the business. The carriers who specialize in the niche as well tend to have the special niche general liability insurance quotes Florida coverage’s.
Frustrated by a recent court decision temporarily blocking part of Florida’s no-fault auto insurance law reformed last year, state lawmakers are considering scrapping the entire law. Current proposals would reinstate to a tort system and mandate that all drivers purchase bodily injury coverage.
Florida Second Judicial Circuit Court Judge Terry Lewis recently issued a temporary injunction against parts of last year’s personal injury protection (PIP) reforms that limit medical benefits for non-emergency injuries and exclude acupuncturists and massage therapists from treating accident victims.
“If you have been here very long at all we have dealt with this issue every four or five yearswith the view that next time there ain’t going to be any next time,” said Simmons, adding that last year’s reforms were “as good a solution as possible for a system that is bleeding profusely.”
Simmons is proposing that the current no-fault law that calls for drivers to carry $10,000 in PIP coverage be replaced by one that calls for drivers to have $10,000 in property damage and $25,000 in bodily injury coverage per person for a total of $50,000 per occurrence.
Insurance representatives offered tentative support but expressed concerns over pricing and the possible consequences of moving to a tort system.
Michael Carlson, executive director of the Personal Injury Federation of Florida that represents State Farm, Allstate and Progressive, said he still supports last year’s reform effort. However, he said, given the legal challenges and other obstacles to reducing costs it may be time to scrap the PIP system.
“After decades of trying to reform PIP, to drive out the fraud and hold down costs, we may have hit a point of impasse,” said Carlson.
Carlson did suggest to lawmakers that if they press forward with mandatory bodily injury coverage they should allow drivers to purchase a lower level of coverage such as $10,000 per person and $20,000 per occurrence. He said that would allow more flexibility in pricing.
“Let the marketplace speak and let consumers make decisions so we can know what the pricing point should be,” said Carlson.
Medical providers, however, cautioned lawmakers that if they abandon PIP they should require some medical payment coverage to offset the costs of serious injuries.
Florida Hospital Association representative Bill Bell said that 418,000 accident victims are treated in emergency rooms each year and of those 30 percent to 40 percent only have PIP coverage. He said moving to a no-fault system could seriously strain hospitals’ resources since they may have to wait months to be paid.
“If the at-fault driver is not covered there are delays in payment from when doctors treat injuries to when there might be a settlement,” said Bell.
Insurance representatives also said that the repeal of PIP should be accompanied by changes in the state’s bad faith law. Under current law, if an individual disputes a claim, an insurer has 60 days to either pay the claim, resolve the dispute or be open to a bad faith claim. At a minimum, insurers said the same law should be applied to third-party claims.
Florida Association of Justice General Counsel Paul Jess, representing trial lawyers, disputed the argument. He said moving to a tort system does not necessarily mean there will be a flood of bad faith claims.
“We don’t think there is a problem under the current law that needs to be fixed and we don’t think a switch to bodily injury would cause a problem to be fixed,” said Jess.
Despite the concerns over the PIP law, statistics gathered by the Office of Insurance Regulation show that last year’s reforms have indeed lowered PIP rates since they took effect in July 2012.
Looking at the top 25 personal injury auto insurers that represent 80 percent of the market, 10 insurers that represent 42 percent of the market have decreased their PIP rates by at least 10 percent. Another four insurers decreased their rates by less than 10 percent while 7 percent filed for increases.
With the exception of State Farm Mutual — which lowered its PIP rate indication from plus 22 percent to plus 7.9 percent — the other largest insurers in the state filed for decreases in PIP rates. Geico General Insurance Co., Geico Indemnity Co., Progressive American Insurance Co., and Progressive Select Insurance Co., all filed for a 10 percent decrease in their PIP rates.
OIR Director of Property and Casualty Product Review Sandra Starnes said that it is difficult to estimate the impact of eliminating PIP because drivers purchase various amounts of coverage. She added, however, that most drivers already carry bodily injury coverage.
“It appears 90 percent of policies in Florida have bodily injury on them,” said Starnes.
Starnes told lawmakers that based on an analysis of three large non-standard insurers and two standard insurers, if the mandatory bodily limits were set at $10,000 per person and $20,000 per occurrence, non-standard insurers would see rate decreases throughout the state. Standard insurers would only see rate decreases in areas where PIP fraud is prevalent.
If those limits were increased to $25,000 per person and $50,000 per occurrence both the standard and non-standard insurers would only see rate decreases in central Miami, Starnes said.
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