One of the most expensive investments many people make in their life is their home. Buying a house is no joke. It takes tons of time, money, and perseverance.
Car insurance is something everyone who owns or operates a vehicle needs. Not only does it protect you, but it protects your car. Regardless of what the incident is, auto insurance ensures you are protected.
However, shopping around and finding the right insurance isn't always easy. There are many factors to consider.
One of these is what kind of insurance to get. There are different levels of auto insurance, so it can be hard trying to decide which one is best for you.
With our team at All Risk Insurance Group, you have many competitive options to choose from, but first, let us fill you in on what full coverage car insurance entails.
Bodily Injury LiabilitySometimes we get into accidents where it's our fault. No one is perfect, and no matter how great of drivers we think we are, mistakes happen. During a minor accident, such as a fender bender, the drivers and passengers in each car are usually safe. But, in the more severe accidents, injuries sometimes happen.
When you cause an accident and injure someone else, the bodily injury liability coverage can pay for the victim's injuries. Without this coverage, you are held responsible for the injuries, which can get rather expensive.
Property Damage LiabilitySometimes when we get into car accidents, we don't hit other cars, but instead objects. From mailboxes to street signs, many of us have been there. But, whatever we damage, we have to pay for.
Property damage isn't cheap either.
That's why it's good to have full coverage car insurance. This type of auto insurance includes property damage liability coverage.
With this included in your coverage, your insurance company helps pay for the property damage.
Personal Injury ProtectionOn the other hand, sometimes we are the victims of a car accident. When this happens, sometimes we walk away unscathed, but other times we suffer from injuries.
In the case of an injury, you might have tons of medical bills and have to take off work. But, all of this doesn't need to fall on your shoulders when you have personal injury protection.
You and your passengers can have medical costs covered by the auto insurance company which can help lift some of those financial burdens.
Uninsured/Underinsured Motorist CoverageEvery driver on the road should have some form of auto insurance. They don't need to have full coverage insurance, but they need to have some type of coverage.
However, this isn't always the case, and everyone doesn’t carry legitimate auto insurance.
When you get into a car accident with an uninsured or underinsured motorist, the damages and expenses can fall on your shoulders. With the other driver being uninsured, there’s no way they can help you pay for damages or injuries unless. At best, uninsured/underinsured motorist coverages adds an additional layer of protection for you and your family.
Comprehensive CoverageHave you ever left to run errands and come back to see your car has damage on it? Whether someone else hit it while you were gone or a natural disaster caused damage, comprehensive coverage is here for you.
This type of auto insurance coverage ensures your car gets protected from damage incurred when you are not behind the wheel. That way, you never have to worry about paying out of pocket for damages out of your control.
Collision CoverageGetting into a car accident is always stressful. However, it's slightly less stressful when you know you have collision coverage from your insurance company. Collision coverage covers damages to your vehicle after a car accident, and it doesn't matter who was at fault.
Whatever happened and whatever the car damage is, collision coverage helps you pay for it.
We Can Help You Decide!Whether you haven't had car insurance before or are looking to change insurers, All Risk Insurance Group has you covered.
Auto insurance is vital for everyone to have. From protecting your car to protecting you and your passengers, it's always better to have peace of mind.
To learn more about how we can help you find auto insurance that's right for you, visit our website (https://www.allriskinsurancegroup.com/auto.html).
Or, give our team a call today at (561) 395-5220.
Not looking for auto insurance right now? Our team can also help you find personal insurance, home insurance, and commercial insurance.
You’re a young, new renter and you’re debating on whether or not you should opt into rental insurance. Even though you are not a homeowner, your personal belongings are most likely just as valuable to you as any homeowner’s. Surprisingly, though, a recent survey revealed that half of the renters between the ages of 23 and 29 do not have rental insurance.
With so many things out of your control, wouldn’t it be wise to better protect yourself?
Here, we list four reasons that rental insurance in Boca Raton, Deerfield Beach, Delray Beach, or pretty much anywhere in South Florida for millenials ( or any renter ) should be a no brainer.
Rental Insurance is Affordable
Most Millennials don’t give renters insurance a second thought, which is why many don’t realize that it is one of the most affordable insurance products available. So, if you put off buying renters insurance because you assumed it would be yet another costly monthly expense, think again. On average, renters insurance only costs $15 a month, or $180 a year. This is according to data pulled from a 2019 report by the National Association of Insurance Commissioners (NAIC).
Of course, the cost of rental premiums varies depending on several factors, like what state you live in. States that are considered a higher risk due to extreme weather, typically see increased prices. For example, states like Mississippi and Texas often see strong storms, while Oklahoma experiences many tornados. As a result, they’re in the top five most expensive states for renter’s insurance. Those living in South Florida can breathe a huge sigh of relief. Although Florida is impacted by many hurricanes, it isn’t considered a higher risk state. Renters insurance in Boca Raton, is among the most affordable.
Offers Thousands of Dollars in Protection
Most renters insurance premiums cover a wide range of accidents and emergencies. In general, you will be covered in the event of a robbery, vandalism, fire, and damage caused by plumbing no matter where you live. In South Florida, residents can risk damage caused by hurricanes and rainstorms.
If a natural disaster caused any damage to the property, your landlord would have to cover the costs for repairs; but if something happens to your personal property, you will have to pay for that out of pocket if you don’t have rental insurance. This is a primary reason that millennials should consider becoming insured even if they aren’t homeowners. It doesn’t cost much to protect your personal belongings, but it can offer thousands in protection.
At All Risk Insurance Group, we understand the potential risks of one’s personal property during hurricane season. That’s why we provide high-quality renters insurance or personal articles insurance in Boca Raton and across South Florida. If your rented property can be affected by any of these risks, contact us to find out how much a policy costs and what it will offer.
Covers Damages You Accidentally Cause
You may be diligent in your efforts to keep your personal belongings safe, but unintentional damage can’t always be prevented. Valuable paintings may accidentally fall from the wall; jewelry may break and need repair. The list of possible accidents is long. Renters insurance is a way to protect yourself against the unexpected damages you may cause. You may think it’s unnecessary because you’re a careful person, but you can never be too careful.
It May Be Required by a Landlord
Renters insurance may actually be a requirement of the landlord. Although it is not required by law to have rental insurance, landlords are completely within their rights to make the purchase of renters insurance a stipulation in your lease. If anything happened to your valuables, landlords know insurance can reduce out-of-pocket costs. These days, it isn’t uncommon for landlords to require their tenets to purchase renter’s insurance.
Purchase Rental Insurance Today
You may not be a homeowner, but that doesn’t mean you shouldn’t protect your personal belongings. Even though many Millennials don’t consider buying rental insurance, you now have four reasons to go against the grain. At All Risk Insurance Group, we take protecting your personal assets seriously, and so should you. We make sure your personal articles receive comprehensive coverage when you purchase property insurance in Boca Raton, Florida, or the surrounding areas. Contact us today at (561)395-5220 and see what we can do for you.
If you're a small business owner, you've probably wondered what kind of insurance you need to protect your property from any damage that might occur in the future. Commercial property insurance is something that every large or small business owner needs. It protects your business from a natural disaster or other devastating damage like water damage, flooding, or fire. With hurricane season in South Florida right around the corner, from June 1-Nov. 30, it's likely that you're looking to secure the right amount of coverage at the best possible prices. First and foremost, you want to make sure you are prepared if disaster strikes. Your business is your bread-and-butter, and you've probably put your heart and soul into building it up. Why risk seeing it all destroyed by a fire, flood, or mold damage? Fire and water damage can potentially destroy your storefront, furnishings, and electronic equipment inside. That's thousands and thousands of dollars in damages that you can't imagine paying out of pocket. Suffice it to say that you may be looking at a significant financial downfall without purchasing commercial insurance if a devastating hurricane strikes. That's why you need a professional commercial insurance agent to help. All Risk Insurance Group provides you with quotes from all the major insurance carriers. We will provide you with quotes for the best coverage at a price you can afford, while considering the potential risks for damage in your location.
A commercial insurance agent in Delray Beach can generally find you coverage for different scenarios. Let's look at 4 of the most common types of commercial insurance:
Commercial Property InsuranceThe most common commercial insurance type is property, which covers you from fire, and water damage from a natural disaster. This policy also covers criminal activity such as theft and vandalism.
General Liability InsuranceThis type of commercial insurance covers your costs if a customer claims your business caused bodily harm or damage to their property. All businesses must have this type of coverage to operate in Florida. It also covers your lawyer and court fees.
Professional Liability InsuranceThis type of coverage is often referred to as Errors & Omissions (E&O) Insurance. Professional liability insurance helps protect professional advice and service-providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit.
Workers’ CompensationThis type of insurance covers on-the-job injuries to your employees. This insurance is an absolute necessity and it is also required by law. This type of insurance offers coverage to your employees if they get hurt or seriously injured on your property. Your employees will also have to sign a waiver acknowledging that they will not sue you for any injuries you've suffered to get workers’ compensation.
Get the Best Commercial Insurance at an Affordable Price
All Risk Insurance Group is a trusted insurance agency dedicated to helping business owners secure the necessary amount of insurance coverage needed. We also provide workers’ compensation insurance quotes, so your employees are protected from undue harm. Rest assured that we provide you with insurance quotes from companies that offer the most comprehensive coverage at the best rates. If you are not happy with your present commercial insurance company in Delray Beach or are looking for new coverage, don't hesitate to reach out to our dedicated and informed insurance agents for commercial property insurance quotes and more. We've been serving Delray Beach and the South Florida area for many years, and our team is here to help with all your insurance needs, including residential and auto. Call (561) 395-5220, and let one of our highly trained insurance agents take the lead.
All Risk Insurance Group, Inc., clears up any confusion you may have before the new year
It happens to everyone. You are buying car insurance and your insurer asks you to choose a deductible for your physical damage coverage. And suddenly you feel like you did when you had that dream about being in high school and not having studied for the test. We get it, but it does not have to be this way. So, before we ring in 2021, with whatever challenges that might bring, All Risk Insurance of Boca Raton wanted to gift you everything you need to know about your car insurance deductible, so it is at least one less thing you have to think about moving forward.
The deductible is the amount you agree to pay towards the cost of a claim, which means it is important to choose thoughtfully. The amount you choose impacts both how much you will pay and your ability to receive coverage at all. The following are the ways and reasons deductibles impact your policy.
What else defines a “Deductible?”
When your car insurance contains collision and comprehensive damage coverage, then the policy agrees to pay for a certain amount of damage inflicted on your car. Most policies, however, do not cover 100% of the costs of your damage. They will instead share the cost of the claim with you, the insured driver, by assigning a deductible.
So the deductible is the amount of money you agree to pay, as the policyholder, towards the cost of the claim. The insurer generally offers several choices for the amount the policyholder can choose; be it $500, $1,000, $2,500 or some similar amount.
So, for example, if you back into a tree and cause damage to your car, you will then be responsible for the deductible towards the costs for repairs. If your car has $3,000 in damages, and you have a $500 deductible, then you will be required to pay $500 while your insurer pays the remaining $2,500.
How do you know for certain if you are choosing the right deductible?
There are several considerations which you should review carefully before choosing your policy’s deductible…
The Cost is a Commitment – Everyone should remember that the auto insurance deductible is the cost they are expected to pay. If you are not able to cover a $5,000 deductible if/when a worst-case scenario happens, you should choose $2,000, or whatever amount you know you can cover if it comes to that.
Lower Premium Cost = Higher Deductible – If you choose a higher deductible, your monthly premium costs should go down because you are removing some of the cost risk from the burden of the insurer. This can be viewed as lowering your monthly expenses, but it still means you have to pay more in the cases of vehicle damage. Conversely, slightly higher premium costs may actually prove more budget-friendly in the future.
When the Damage is Minimal – Something else to consider is if the cost of damage is less than the value of your deductible, your insurer won’t pay anything at all. For example, if you have a minor incident with your vehicle that only costs $750 to repair, but your deductible is $1,000, you will ultimately pay for all the damage yourself.
Self-Awareness is Key – It is all tricky and something of a gamble but knowing your personal driving history may help best determine what makes the most economic sense for you. And you can often update your deductibles, both during your policy term and when it comes time to renew your coverage.
The New Year is a perfect time to review your existing damage deductibles and see if you can still reasonably afford them. How much driving have you done during this year of intermittent lockdowns and rampant remote employment, and how much do you think you will be driving next year as we begin to ramp back to “normal?” That will help determine if you need to reduce or increase coverage.
Or feel free to call the professional staff at All Risk Insurance of Boca Raton! We are here to discuss all your insurance needs. Feel free to contact us to discuss what type of policies (and deductibles) are best for you and let’s make it a wonderful new year!
All Risk Insurance Group recommends a review of your
homeowner’s insurance as an important precaution
South Florida is an amazing place to live…but it can also be a magnet for natural disasters. Ok, maybe not earthquakes or massive freezes, but certainly hurricanes, flooding, windstorms and even the occasional wildfire, believe it or not. And, of course, a natural disaster can impact your home, arguably your largest asset, in some very severe ways. Which is why All Risk Insurance Group wants to ask you, is your house adequately insured for the next natural disaster?
If you haven’t performed an annual review, now is a great time. That way, if there is a problem in the near future, you will know exactly what to expect if you need to file a claim. Not everyone knows their policy’s details, but they really should.
That said, if you don’t know how ready your home is for the next natural disaster, and reading the policy doesn’t exactly spell out answers for all your concerns, you should consider calling All Risk Insurance Group. Our experts can walk you through what coverage is optimal, what coverage might be missing, and what is being overlooked.
Stay above water; literally and figuratively
If there is a problem, you should know before the next catastrophe hits. Talk to one of our independent agents about the natural risks that may be impacting your home; why floods generally aren’t covered under a homeowner’s policy and what deductibles make sense for hurricane coverage. In addition to peril-specific coverage, they will recommend you have enough coverage to fully replace your home, should the worst-case scenario ever come to pass.
To achieve adequate coverage, you may need a mix of homeowner’s insurance, including flood insurance and wind insurance, for example. According to the National Flood Services, a flood insurance processor, 62% of homeowners believe they are prepared for a flood, but only 12% actually have any flood coverage. Why? Because flood damage is excluded from standard home insurance policies.
Review your current homeowners’ policy to see if you are covered for a flood. Look for water exclusion causes that exclude floods due to external sources, such as sewage or water main failures, tsunamis and standing or groundwater. And research the area you live in to understand how you may be impacted by a hurricane or heavy rainfall. You may be at higher risk than you think.
What are homeowners typically missing?
Example: A tree falls in your yard without hitting your house or any other structures. Unless you purchased extra coverage for debris removal, your home policy likely would not cover the cost. However, if the same tree falls as the result of something covered by your policy (lightning strike, for instance) and blocks your driveway, your policy very likely does cover debris removal up to a certain amount, like maybe $1,000 for debris removal. Depending on your circumstances, that may be enough. But unless you review the policy to be sure, it might not be enough, and you do not currently know for certain.
Example 2: Food spoilage (or “refrigerated products coverage”). There is a storm-related power outage, and you have a freezer full of food that spoils due to lack of power. If you have food spoilage coverage, it is probably for a specified limit, like $500. However, you are still responsible for your deductible. So, if you have $400 worth of spoiled food and a $500 deductible, you would not be receiving an insurance check for that loss. Not with that coverage.
Finally (although there is so much more to say, or review)
While running an assessment of your insurance needs, All Risk Insurance Group wants to stress the importance of validating the home’s replacement cost, to make certain you are not underinsured. If you are concerned about a natural disaster, you will want to be extra diligent about replacement cost of coverage. And pay close attention to your policy’s loss settlement clause. Some policies require you to rebuild in the same location, while others allow you the option of taking a cash settlement and rebuilding someplace not so susceptible to natural disasters.
Know the answers to these questions and more before the next disaster strikes. The professional staff at All Risk Insurance is here to discuss all your insurance needs. Feel free to contact us to discuss what type of policies are best for you.
Do you know that South Florida has some of the highest number of people uninsured in America? And we are talking about all sorts of insurance from car insurance to homeowners and renters insurance. Here are some breakouts that may bring you an awareness of how under-insured you and/or your neighbors may be.
Florida has one of the highest percentages of uninsured motorists of any state. In 2019, the average number of uninsured motorists in America was about 13 percent which translates to approximately 215 million drivers having insurance. This figure varies considerably from state to state. For example Maine has the lowest percentage of uninsured motorists at 4.5 percent. On the far end of the spectrum, Florida checks in with an astounding 26.7 percent of drivers without proper car insurance!
We Just Lowered Our Rates on Car Insurance! Click here for a free quote!
What That Means to You
With over one-quarter of drivers on the Florida roads not being properly insured, if you are involved in an accident there is a greater than one in four chance that the other driver does not have insurance. To help those drivers in Palm Beach, Broward, Lee, Martin and Collier Counties, All Risk Insurance offers uninsured motorist insurance that will protect you and your families. Call 561.395.5220 for a free quote.
When most people think about personal insurance they think about health insurance. For most people there are other personal insurance needs that are skipped over. They include insurance for personal items such as jewelry, art and other personal items. These items may not be covered or are only partially covered by your homeowner’s policy. In addition, your homeowner’s policy may have a significant deductible that can cost you a considerable amount of money.
What That Means to You
If you live in the Boca Raton and Delray Beach area, contact All Risk Insurance to review your homeowners policy and make sure your policy best meets your needs. We will be happy to discuss your personal insurance requirements and provide a free insurance quote to make sure you are properly covered.
Getting property or renters insurance in Florida is not a low cost issue. According to the Insurance Information Institute, Florida has the second highest rates in the nation for home insurance. While the national average home insurance premium is around $1,211 per year, the annual premium in Florida for home insurance is $1,951. Part of the reason is the high occurrence of hurricanes, floods and other natural issues. While flood insurance is not required in many areas, about 20 percent of flood claims come from moderate to low risk areas.
What That Means to You
While about 95% of home owners in America have homeowners insurance, many do not have any flood insurance even though many believe their homeowner’s policy covers floods. There are several key areas that your homeowner’s policy should cover including your property, your possessions, liability coverage and medical coverage from accidents.
The professional staff of All Risk Insurance is here to discuss all your insurance needs. Feel free to contact us to discuss what type of policies are best for you.
Hurricane Season 2020 is upon us here in South Florida. The right time to prepare for a hurricane is NOW, not in the crazed few days before it arrives.
This helpful hurricane preparedness checklist will get you started.
Make sure to include your entire family in the preparation and emergency planning.
Keep in mind the current Covid-19 Pandemic in all your preparations.
EMERGENCY COMMUNICATION: Organize important contact information (Family, School, Doctors, Work, etc.). Be sure to include all phone/cellphone numbers and email addresses, and remember to include your auto insurance and health insurance card(s). All Risk Insurance Group 561-395-5220 in Boca Raton.
MEDICATIONS & HEALTH NECESSITIES: Medications for at least one week and copies of prescriptions. Extra eyeglasses/contact lenses and prescriptions. Medical equipment/assistive technology and backup batteries. First aid kit. *Be sure to include Covid-19 testing details if applicable*
CRITICAL DOCUMENTS: Photo ID (driver’s license, passport). Cash and credit cards. Personal records (birth certificates/marriage license). Medical records, living wills and power of attorney. Financial information (bank account or credit card information). Property records (homeowners insurance and other policies, deed or lease). Store these in a waterproof, portable container to ensure the safety of these important documents.
TOOLS & SAFETY ITEMS: Flashlight, Multi-purpose tool, matches or lighter, also stored in a waterproof container. Extra batteries and chargers for electrical equipment AM/FM radio/NOAA Weather Radio. A portable residential backup generator if possible.
FOOD/SUPPLIES: It is best to plan on having at least a three-day supply of water and non-perishable food, per person. There was no electricity and there were long lines for necessities like bags of ice in Delray Beach and Boca Raton and Deerfield after Hurricane Wilma in 2005. Infant formula and diapers, pet food, supplies, and extra water if available and coolers and ice bags.
HYGIENE & SANITATION: Soap/disinfectant/sanitizer (remember we are still managing Covid-19). Paper towels/moist towelettes, toilet paper, bleach, toothbrush and toothpaste. Include extra gloves and masks.
PROTECTIVE GEAR & CLOTHING: Extra warm clothes, shoes/boots, blankets or sleeping bags. Include extra gloves and masks.
COMFORT & PRICELESS ITEMS: Books, puzzles, favorite stuffed toy and board games. Photo albums and irreplaceable valuables.
DURING A HURRICANE: When a tropical storm or hurricane watch is issued, stay informed. Be sure to upload all necessary apps to your cell phone and know your local radio stations.
It is always best to have an evacuation plan in place well before you need one. In case of evacuation, have a travel bag prepared. Be sure to locate your evacuation route and local shelter.
While a direct hit from a major hurricane in your community isn’t a certainty, wouldn’t you be better off having the peace of mind of knowing your home and your belongings were protected in the event a hurricane strikes? The experienced and caring insurance agents here at All Risk would be happy to review your homeowners insurance to make sure your South Florida home is covered adequately.
All parents want their teenage children to have the very best. This includes making sure they are well protected on I-95, Federal Highway and other South Florida area roadways by having a safe car and the best available auto insurance coverage.
But having the best auto coverage for your teen doesn’t always mean it needs to cost the most.
Here are some tips for saving money on your teenager’s auto insurance coverage:
Be sure to ask your All Risk Group insurance agent about how you can save money on your teen’s auto insurance coverage. From Boca Raton to Palm Beach, Davie to Delray Beach, If you would like a complimentary consultation or need help with any other type of personal or commercial insurance, please feel free to contact our auto insurance agents today, we’d be glad to help!
5 Surprisingly Easy Ways You Can Protect Your Florida Business in 2019
Consider Getting Commercial Insurance
Of course, entrepreneurs have to take several vital steps before starting a business here is Florida. It might be necessary to buy insurance, obtain financing, and write a business plan. However, Florida business owners often get confused by the sheer number of available options when they start to search for commercial insurance coverage.
The experience can be overwhelming, especially for people who have never purchased business insurance coverage before. Consider the following things when shopping for business insurance to minimize exposure to risk, meet legal requirements, and save as much money as you can.
Know Your Potential Risks
Industries are different, and so are the risks various enterprises are likely to face. For example, a restaurant owner on Atlantic Ave. in Delray Beach should consider what would happen if a customer came back complaining of food poisoning or if a customer slipped and fell on the way to their table. while construction industry people such as roofers on Glades Road in Boca Raton or plumbers in Pompano Beach should be concerned about being sued due to a mistake made executing a project.
Product liability coverage can protect a restaurant owner if a customer files a lawsuit after consuming bad food while professional liability insurance protects experts such as accountants, lawyers and insurance agents from lawsuits related to numerical or omission errors.
As an entrepreneur, take time to evaluate the risks that your industry is likely to face to purchase the appropriate coverage for your venture.
Work with Reputable Insurers
Of course, the rating is the best way to know that you’re dealing with a reputable insurance company. Look for a large, stable insurance company with an A rating because they are likely to offer consistent terms, prompt payouts, and reliable coverage. A-rated carriers are also top-tier in the industry and are known for their unmatched products.
Work with licensed insurance agents ( like All Risk Insurance in Boca Raton with an A+ BBB Rating ) to make sure that you’re purchasing insurance policies from a trustworthy insurance carrier. A seasoned insurance company can also help a client save a lot of money through products bundling.
Your coverage includes a deductible, which is the amount you’re responsible for paying in case someone files a claim for a covered loss. Your insurer will cover the compensation up to the limit of the policy. However, entrepreneurs often get tempted to purchase coverage with a high deductible to lower their premium. A high deductible might be more than what your business can afford if you will have to file a claim.
Understand Your Legal Obligations
Though not all small businesses here in Florida are required to insure themselves, some depend on other requirements and Florida state and industry laws. For example, a landlord in Fort Lauderdale might ask an entrepreneur to purchase general liability insurance before renting them a commercial space.
It may also be a requirement to buy worker’s compensation insurance. As such, it has become critical for business owners to research their industry’s legal obligations before purchasing insurance coverage. Some of the more popular industries in Florida right now are healthcare, tourism, and construction. Each industry has trade associations you can consult with to find out your legal obligations - or you can ask your friendly business insurance agent like the team at All Risk Insurance in Boca Raton.
Prioritize the Policy over Coverage Costs
The next thing a Florida business owner would want to consider after identifying the right policy for their business is the cost of coverage. After all, every penny counts for a small company that operates on a shoestring budget. Though an insurance cover comes as an added expense, its role in protecting your business against various financial damages can’t be overlooked.
Though the process of insurance coverage for a small business may seem daunting and confusing, that isn’t always the case. You might have to invest time upfront in learning about the probable risks and obligations in your industry and working with a licensed insurance agent to find appropriate coverage for your small enterprise.
All Risk Insurance Group
Leading Independent Insurance Agency in Boca Raton, servicing the state of Florida.