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Coronavirus Update: Working Remote

Despite these extreme times Harry Levine Insurance encourages you to keep calm and carry on!

We have decided to fully close our offices until at least March 30th per U.S. Federal Government guidance.

OUR ENTIRE TEAM IS WORKING REMOTELY AND IS READY TO HELP YOU BETWEEN 9:30am – 4:30pm. Phones will be unattended for lunch from 12- 1pm.

Latest Articles On The Coronavirus


3/20/20 — Business Interruption Insurance and Covid-19/

Just started a business? Here's the types of business insurance you'll probably need.

What Types of Business Insurance Do I Need?

Every new company needs protection.

Find the right level of coverage with these 11 types of business insurance.

An estimated 44% of small business owners have never had insurance.

That number is much too high!

Commercial insurance losses are too common (and too expensive) not to have adequate protection in place to stave off disaster.

If you’re reading this, you understand that business insurance is well worth the cost of your premiums. The question you need help answering is, “How much insurance coverage do I actually need?”

In this article, we’ll take a look at the essential types of business insurance you absolutely need to have.
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Why Does Small Business Insurance Cost So Much?

Why Does Small Business Insurance Cost So Much?

“I have a small business…so why does my insurance cost so much?”

Why does small business insurance cost so much? Allow us to untangle it for you.

There are few things more exciting than a business startup. Picking your company name, designing a logo, signing a lease, hiring your first employee, selling your first widget…you’re ready to hustle, baby!

Something that’s probably not so exciting? The commercial insurance quote.

“Wait a minute,” you say. “I have a small business. Why does small business insurance cost SO much?”

There are actually a LOT of different ways to answer that question!

In this article, we’ll try to give you a better understanding of why small business insurance is priced the way that it is, why you shouldn’t base your decisions purely on cost, and a simple way that you can make sure you’re getting the most out of every dollar you spend on your insurance.

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Usage-Based Insurance: The Easiest Safe Driving Discount There Is!

Usage-Based Insurance: The Easiest Safe Driving Discount There Is!

Don’t let other drivers raise your insurance rates!

With Usage-Based Insurance, you can get a safe driving discount based on your own good driving habits.

Nearly all of the insurance giants have some form of safe driving discount. In the past, your safe driving skills were usually determined by your driving record: fewer tickets and claims translated to bigger savings.

But what about those maniacs that speed through traffic, but somehow never get caught by the police? Or the ones who simply drive around with their busted car and never bother to file a claim? It’s not fair that they should be getting a safe driving discount (and raising your rates in the process).

Enter: Usage-Based Insurance.

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What is Uninsured Motorist Coverage? (& Why Do You Need It?)

What Is Uninsured Motorist Coverage? (& Why Do I Need It?)

An estimated 1 in 4 Florida drivers do not have auto insurance. That’s too many!

But with Uninsured Motorist coverage, you don’t have to pay the price for their mistakes.

A hidden danger awaits those who come to Florida. And no, it’s not hurricanes.

It’s underinsured drivers.

According to recent estimates, about 1 in 4 Florida drivers (26.7%, to be precise) don’t have any insurance. If that sounds high, that’s because it is. The Sunshine State has the highest number of uninsured drivers in the country.

But drivers without insurance aren’t the only people you need to worry about. You also need to worry about the drivers who don’t carry any more coverage than what is required by law.

In this article, we’ll cover why Florida’s insurance minimums aren’t good enough and how you can protect yourself with Uninsured Motorist Coverage.
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How We’re Responding to the COVID-19 Pandemic

Hey everyone, and welcome back to Harry Levine Insurance on YouTube.

We’re recording today live from home. We’re in the middle of the COVID-19 pandemic (at least, what we hope is the middle) and we’ve transitioned our entire team to a work from home model.

The great news is we’ve been able to truly adapt, find some great software solutions, and make sure that we can be there for you, just as if it was a month or two ago and we were working full steam ahead at either of our physical office locations.
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The Ultimate Guide to Auto Insurance

Hey everyone, and welcome to the Harry Levine Insurance YouTube channel. Today, let’s talk about auto insurance.

It’s one of my favorite things to talk about. So much so that I’ve even been a longtime teacher of Project Invest. That’s a program where we go into local high schools in our immediate office area and actually teach students about auto insurance because it’s perhaps the one line of coverage that there is no doubt they are certainly going to deal with at some point in their adult lives.

So let’s get started!

I want to run through a couple of bullet points that bring you an introduction to an auto insurance policy and what you need to understand.

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5 Professional Insurance Policies You Can't Do Without

5 Professional Insurance Policies You Can’t Do Without

Your professional insurance needs go way beyond property damage.

Protect your clients, your reputation, and your livelihood with these five professional insurance policies.

Most business owners understand the risk fire poses for a restaurant, or the consequences of a hurricane flooding a retail store. But many people don’t stop to think about the intangible risks that threaten professional services businesses like accounting firms, law firms, or marketing agencies.

Risks that property insurance and general liability coverage can’t protect you from.

Insurance works best when it’s custom fit to you. If you’re running a professional services business, you need professional insurance policies that fit.

Businesses that provide a professional service often seem “low-risk,” but just because you’re not working with open flames or heavy machinery doesn’t mean that you’re immune to disaster.

Here are five professional insurance policies that no professional services business should be without.
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Auto Liability Coverage Explained

Auto Liability Coverage Explained

Welcome back!

Let’s have a chat about automobile liability insurance. Your auto policy has a lot of moving parts, and it’s important that you understand them.

Florida’s a pretty odd state in that, presently, we only require property damage and what we call PIP, or Personal Injury Protection, to be legal on the road.

It’s hardly any coverage, and if you’re in an accident, you’re likely going to wind up with a court-ordered requirement to buy a lot more insurance than that moving forward if anybody gets hurt. Or worst case, you’ll have liens and judgments or even wage garnishments that are levied against you by a court because you are underinsured or not insured at all.
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How much does business insurance cost? (7 factors that affect your premiums)

How Much Does Business Insurance Cost? (7 Factors That Affect Your Premiums)

No business should be without insurance.

But what does business insurance cost? Here are 7 things that determine your premium amounts.

There are few ventures more exciting than starting a new business. Picking a business name, designing a logo, looking for real estate…you’re turning all these dreams into reality.

While insurance may not have the same appeal as developing a menu or decorating an office, it has arguably the biggest impact on your business’ success. That is why the Harry Levine Insurance agency places such a strong emphasis on educating our clients on the policies available to them.

In this article, we’ll be tackling one of the most pressing concerns for business owners: How much does business insurance cost?

The problem is, your insurance premiums depend a lot on your unique business. But since it doesn’t help to say, “It all depends; contact your agent,” we’ll give you some insight into seven different factors that have an affect on the cost of business insurance.
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