Insurance

We only offer auto insurance companies that are financially strong and  companies that have a strong track record for speedy and satisfactory claims payment.
As an independent agency we represent many top-rated companies. That means we can shop for the coverage and affordability that meets your specific needs.EMERGE INSURANCE AGENCY904-677-5884

If you run a home-based business, it won’t be covered by your basic home insurance. You’ll need to buy extra insurance coverage.7 Things to Consider 1.      Business equipment, inventory and suppliesIf you keep these at home but haven’t itemized them in your home policy, most policies will limit how much you can claim. If you travel with a laptop or other business equipment, you may need extra insurance. 2.      Employees or clients coming to your homeYour home policy won’t cover you if employees or clients get hurt while in your home. 3.      Providing services at a client’s siteYou may need insurance to protect yourself from any claims that a client might make after you complete your work and leave. Examples: personal trainers, housekeepers. 4.      Using your car for business purposesYou’ll need special car insurance. 5.      Claims against products you sellYou may need insurance to protect your business against any claims that your product does not work well. 6.      Claims against services or professional adviceYou may need to protect yourself and your clients. For example, malpractice insurance protects you from claims if a treatment goes wrong. Or you may need insurance to protect yourself if a client sues you because your advice was poor, incomplete or just plain wrong. 7.      Lost incomeYou may need disability insurance in case you’re hurt or unable to work. Also consider insurance to cover your lost revenue if a disaster like a fire or flood hits your businessWe have companies that have liability and property coverage product specifically for home-based businesses. EMERGE INSURANCE904-677-5884

A vehicle is considered a total loss if the insurance company determines that the total cost to repair your car to pre-accident condition, plus fees for storage, salvage and a replacement rental car (if included in your policy), is more than a certain percentage of car’s retail value. Insurers set their own allowable percentage, within state-mandated guidelines (typically around 60 to 75 percent), and use their own formulas to determine a car’s value and estimated repair costs.Thus, if your $4,500-valued 2002 Honda Civic sustains $1,800 worth of damage — moderate bodywork and repainting these days — it might be deemed totaled, even though the engine still runs fine. On the other hand, a late-model Mercedes could sustain far greater damage and still be considered salvageable.

EMERGE INSURANCE904-677-5884

Here are some tips for buying motorcycle insurance  from someone not in the insurance industry. 
Call us for a motorcycle insurance quotes from Progressive, Safeco Insurance, General National (new name for GMCA), and Foremost.EMERGE INSURANCE904-677-5884

How important is coverage protection in the event of an accident with a minimally insured driver – CRITICAL!! In Florida 1 out of 4 drivers are minimally insured.
We are an independent agency with many top-rated auto carriers to meet your specific needs.EMERGE INSURANCE904-677-5884

In brief, comprehensive auto insurance covers everything except collision. Collision insurance protects drivers in the case of encounters with other vehicles, objects, people, and the surface of the road. Collision insurance will cover the driver whether or not he or she is at fault for the accident. It also provides for towing, storage, and salvage if the car has been badly damaged. Generally, collision insurance will cover the cost of repairs to the vehicle, or replacement if it is badly damaged, unless the repairs are due to mechanical failure as a result of improper maintenance. In both the case of collision coverage and comprehensive auto insurance, several factors will influence the cost of the insurance. The age and experience of the driver, amount of yearly mileage anticipated, area in which the car will be driven, and value of the car will all be taken into account. With older cars, drivers should weigh the cost of the insurance against the value of the car to determine if the coverage should be carried. In almost all cases, collision and comprehensive auto insurance packages are subject to a deductible, which can range in price.Call us for an assessment of your coverage needs.EMERGE INSURANCE904-677-5884

Watch and listen to this Florida business owner’s experience with the need for business interruption insurance.

Call to discuss your business’s exposures and need for protection before that “what if” happens.EMERGE INSURANCE904-677-5884

A business owner’s policy, or BOP, is a type of pre-packaged insurance designed for certain types of small-business owners. The BOP allows business owners to save on liability insurance costs by bundling multiple insurance policies together for a single affordable premium.

Let us assess your company’s business risk and guide you through the needed protections.EMERGE INSURANCE904-677-5884

There are many factors that go into the calculation of car-insurance rates, and one of the most important of which is the type of vehicle being insured. As a general rule, the more expensive a vehicle is, the more costly it will be to insure. The cost of repairs is also considered, as is the claim frequency of certain makes and models. Other factors such as safety equipment and vehicle usage will affect the premium as well. Need an auto insurance quote?EMERGE INSURANCE904-677-5884