Running a restaurant in St. Augustine, FL can be a rewarding experience but can be a challenge if you don’t buy high-quality commercial insurance. The following mistakes are ones we at Tim Huber Insurance have seen far too many unfortunate business owners make.

Weak Liability Coverage

Though general liability coverage is a good choice for restaurants, you’re going to want more than that to protect your business. For example, umbrella insurance policies help protect you from claims such as damage from food poisoning or burns caused by spills. Comprehensive liability also helps to protect you from specialized restaurant claims, such as slipping on a wet floor.

No Loss of Income Coverage

What happens to your business if a fire or a health-related shutdown close your doors for weeks or months at a time? You won’t be getting any money and neither will your employees. If you bought loss of income coverage, this situation wouldn’t be devastating. This coverage will pay for your lost income when your restaurant is closed. It may also help your employees if you set up this type of extra coverage with your insurance company.

Poor Background Checks for Drivers

If your restaurant does deliveries, you need to make sure that you double- and triple-check the records of each employee who drives your company vehicle. Your commercial auto insurance policies will hinge on the abilities of your drivers. So even if you don’t cause an accident but an employee does, you will end up having higher premium rates and struggling to make your payments.

Avoid These Issues With Our Help

So if you run a busy St. Augustine, FL restaurant and want to make sure you don’t fall a victim to these mistakes, please contact us at Tim Huber Insurance right away. Our agents will work with you to identify the best commercial insurance coverage for your restaurant’s needs.

Flooding can be common around St. Augustine, FL, especially around hurricane season. However, that is not the only time that you need to worry about it. You should have a flood insurance policy in place all year long from Tim Huber Insurance because flooding can happen in a variety of ways, not just with hurricanes. Unfortunately, most home insurance policies do not actually cover any flood damages so you need to get this in addition to that policy. However, the question is for how much?

When it comes to getting flood insurance, what you want to look at are the coverage amounts. To get the right coverage amount, you should consider not only the rebuild cost of your home but also the cost of your personal belongings in the home. Both of these things can be impacted by a flood and in the case of a total loss, you want to make sure you have enough in place to replace as much as possible. You may also want to consider getting enough coverage for housing in the interim if that is not covered by your home insurance policy. By taking these estimated amounts into consideration, it will give you the estimated amount of flood insurance coverage you need. 

Now that you have an idea of what you should be looking for in terms of a flood insurance policy, it is time to get one. You do not want to get caught without one during a flood because the financial impact can be devastating. Be sure to reach out to us here at Tim Huber Insurance, serving St. Augustine, FL, to get your flood insurance policy in place as soon as possible. We will also work with you to make sure we find a policy that fits in your budget. 

Owning a boat can bring both a lot of joy and also a lot of responsibility in your life. If you are concerned about the amount of insurance coverage that your current policy provides, or you are thinking about buying a boat and want to learn more about the boat policies that are available, contact Tim Huber Insurance, serving the greater St. Augustine, FL area, to learn more about your options. 

The ABCs of Boat Ownership and Liability

As a boat owner, you are responsible for any damage that your boat causes, whether through an accident or another mishap and for any injuries sustained by your passengers. Many owners do not consider that their liability can extend to medical costs as well as damages brought by a party who is injured while on your boat. In fact, if someone is injured climbing onto or out of your vessel you may be held responsible even if the boat is docked. In order to protect yourself from such damages, it is important to carry adequate liability coverage. Our team of professional agents can meet with you and review your current policy and confirm if the protection is adequate for your needs. Many boat owners focus on coverage for the boat itself without considering what can happen to them if there is an injury-causing accident involving their craft.

Don’t let the joy and exhilaration of boat ownership cloud your judgment when it comes to securing adequate boat insurance coverage. The team at Tim Huber Insurance is proud to serve the St. Augustine, FL area, especially those who own boats and enjoy being out on the water! Contact us today or stop by our office to learn more about your options when it comes to boat insurance.

A condo insurance policy offers an excellent protection package. However, this insurance coverage doesn’t automatically cover everything you own. There are some limitations to your basic policies when it comes to unique and valuable items like furs, collectibles, jewelry, and fine art.

Realizing that your condo insurance doesn’t cover your valuable jewelry may leave you wondering what to do next. Can you comfortably replace your jewelry out of your pocket when it’s stolen or destroyed in a fire? Is there an insurance option that will not leave you empty handed in case the unexpected happens? The key is to understand the situations and the items your insurer covers and for how much. Here at Tim Huber Insurance, we help St. Augustine, FL residents learn how to protect their valuables through insurance.

Jewelry coverage in condo insurance

In most cases, a condo insurance policy may cover your jewelry, but not entirely. Sometimes coverages are limited by:

• Coverage value limits
• Exclusions or limitations on the covered situations
• The need for different estimates before a claim is settled
• The requirements for using jewelry replacement companies

Additionally, a jewelry claim can easily affect your entire policy status, and this is why you need to evaluate all your options. Make sure you contact your condo insurer and find out more about your jewelry coverage details. Don’t just assume that your condo insurance covers your jewelry.

Getting jewelry insurance

Since your condo insurance won’t cover your jewelry and other valuables fully, you need to get a separate insurance policy from a reliable insurer. You may also upgrade your existing condo insurance policy by buying a rider that particularly insures these types of items. This is a mini-insurance policy that can be added to your condo policy covering certain lists of items.

For more information on your jewelry coverage, be sure to contact us at Tim Huber Insurance in St. Augustine, FL.

When you purchase a life insurance policy when you are very young, or through some work programs, there is usually no requirement for the individual covered to undergo a medical exam. One of the advantages to buying a loved one a whole life insurance policy from a very young age is that they have the benefits of the policy for life, without a threat of increased premiums, and they cannot be forced to take a medical exam.

When you are older and attempting to purchase a whole life policy in St. Augustine FL,  there is usually a requirement to go through a medical exam. Even though it is relatively noninvasive and only takes about 20 minutes, it gives the insurance company important information about your health. At this point, they are evaluating your health because when you buy life insurance, you become one of their investments. 

At Tim Huber Insurance, we can help you choose your options and prepare you for your exam. They will need to get basic information like height, weight, blood pressure and medical history, and being relaxed can make a difference.

You may be able to get a term life policy, which is more expensive, without a medical exam. It doesn’t have as many benefits, and will expire as soon as the premium is no longer being paid, but it does have the basic death benefit.

Our friendly agents at Tim Huber Insurance can help explain all your options. If you are in St. Augustine FL and are interested in obtaining a life insurance policy, or just have questions about an existing one, don’t hesitate to call us today.