Dr. Phillips: 407-855-1000

Blog

All posts by Jason Levine

Auto Insurance Explained

The 5 Things You Need to Know About Car Insurance

Unless you’ve been living under a rock, you’ve seen a commercial (or, more likely, 3,000) for car insurance.

Auto insurance ads might be an okay way to entertain yourself during a break from the Superbowl, but they won’t help you understand anything about your insurance policies. In this video, I’ll go over 5 car insurance facts you actually need to know.
Read more →

What Is a BOP?

What Is a BOP (Business Owner’s Policy)?

Those “in the know” know that a business owner’s policy (BOP) can be one of the most efficient ways to kick off their commercial insurance coverage.

But exactly what is a BOP? In this article, we’ll discuss what a BOP policy covers, why you want one, and who can benefit from it.

When it comes to your business, you don’t want to miss a single detail. You purchased the right furniture and equipment, leased the perfect location, and hired the right employees. When something goes wrong, you’re on top of it.

But how much thought have you put into your business insurance?

The right level of insurance coverage is crucial to making sure that your doors stay open for years to come. And for some business, that starts with a BOP.

 

Read more →

Do Red Cars Cost More to Insure? (10 Car Insurance Myths Debunked!)

Do Red Cars Cost More to Insure? (10 Car Insurance Myths Debunked!)

There are a lot of myths and misinformation surrounding car insurance.

Allow us to debunk the biggest car insurance myths, especially the most common: Do red cars cost more to insure? 

If you’re licensed to drive in the State of Florida, you’ve probably had some questions about your car insurance.

“Do I have enough coverage? What does “No-fault” insurance mean? Do red cars cost more to insure? What happens if my brother-in-law wrecks my car?”

We understand the confusion. There are a lot of myths, lies, and misinformation swirling around about an already baffling subject. But at Harry Levine Insurance, we believe that knowledge is power, so we collected (and debunked) the top 10 car insurance myths so you could be sufficiently informed.
Read more →

Sinkhole coverage vs. catastrophic ground collapse

Sinkhole Coverage vs. Catastrophic Ground Collapse

Florida is famous for many threats—hurricanes, alligators, the eponymous “Florida Man”—but one of its most dangerous features lurks right underground: sinkholes. Which begs the question: “How does this affect my insurance?”

Your Florida homeowner’s policy includes catastrophic ground cover collapse, but is that the same as sinkhole insurance? In this article, we’ll compare sinkhole coverage vs. catastrophic ground collapse to see how the two measure up.

Read more →

11 Myths About Florida Workers Comp Insurance (That You Probably Believe)

11 Myths About Florida Workers’ Compensation Insurance (That You Probably Believe)

You’ve heard of workers’ compensation. You may even have had employees who needed it when they were injured at work. But there are also many myths and misinformation about Florida workers’ compensation insurance that you might believe.

Misinformation that could be preventing you from getting the best coverage.

As a Florida insurance agency, our goal is for all of our clients to have the right amount of workers’ compensation coverage for their property, person, and business. And—whether you work for or own a small business—you need to know the truth about Florida workers’ compensation insurance.
Read more →

Builder's Risk Insurance for New Construction in Horizon West, FL

Builder’s Risk Insurance for New Construction in Horizon West, FL

Nestled between Clermont, Winter Garden, and Windermere lies the burgeoning neighborhood of Horizon West, Florida. With easy access to both Disney World and downtown Orlando, it’s easy to see why Horizon West could make 34787 the next “it” zip code.

Local builders seem to think so. Construction is underway for dozens of subdivisions in the area. And one thing that no new construction project should be without is adequate builder’s risk insurance.

Just because new construction homes aren’t occupied doesn’t mean they aren’t full of risk. Here’s everything you need to know when purchasing builder’s risk insurance.
Read more →

The Types of Handyman Insurance Every Pro Needs

The Types of Handyman Insurance Every Pro Needs

As a handyman, you know how important it is to have the right tools for the job: a selection of screwdrivers and drill bits, a sturdy ladder, a good pair of work gloves….

But there’s one more important thing you need that you can’t find in a hardware store: the right handyman insurance.

While there aren’t any policies specifically labeled “handyman insurance,” there are certain types of coverage that no handyman should be without. In this article, we’ll talk about the different types of insurance you need as a handyman as well as how to use your coverage to increase your clients’ trust.
Read more →

5 Common Restaurant Insurance Claims

5 Common Restaurant Insurance Claims

When it comes to property claims made by restaurants, it isn’t a matter of if a claim will be filed, it’s a matter of when.

Research has shown that around 40% of small business owners in America will file a claim within the first decade of operating. And restaurants make up a huge chunk of this, owing largely to a higher risk of occupational hazards and damages.

Anyone working within the restaurant industry needs to be fully aware of the most common restaurant insurance claims, so you can make sure you’re adequately protected.
Read more →

What is an Assignment of Benefits Agreement? (And why shouldn't you sign one?)

What is an Assignment of Benefits Agreement?

You come home from work one day to find that a leak under your sink has sprayed water all over the floor. Panicking, you shut off the water main and call the first plumber that pops up on Angie’s List. He fixes the leak and recommends a company to take care of all the water damage.

You’re satisfied with their work, so you take the referral and call the remediation company. But when they show up, that’s when the problem starts.

They present you with an Assignment of Benefits form and say that they won’t start work until you sign it.
Read more →

Understanding Your Insurance Score (Everything You Need To Know)

Understanding Your Insurance Score

You probably already know your credit score, but did you know that you also have an insurance score?

If not, you’re not alone. Most people go their whole lives without knowing that their insurance score even exists, much less what it is. However, because your insurance score is used to calculate your premiums, this is one instance in which ignorance is not bliss.

In this article, we’ll discuss what your insurance score is, how it’s calculated, and why companies use it.
Read more →