South Florida Insurance Blog

We all know that words “need” and “want”. We, at All Risk Insurance Group, Inc., focus on those words to provide the utmost of personae attention to your insurance needs. Your most valuable possessions are our concern. We are concerned that you protect your home, your automobile, your boat, or your personal fine articles. We know that you need this protection and our goal is to provide insurance coverage to you that is both affordable and overall encompassing to suit your individual needs. Everyone needs insurance, but we aim to provide individualized insurance coverage geared toward lower premiums for coverage that will protect your belongings so that in the event of a disaster, you will be made whole again.

All Risk Insurance Group, Inc is conveniently located in Downtown Boca Raton. We have been providing insurance to Floridians for the past 12 years. Our customer service department excels in providing the utmost of care and concern for our extended insurance family, namely YOU. We look out for and protect your needs and wants primarily. Our highly specialized agents are here for you to assist you at every point in order to save you money and guide you towards the proper insurance to protect your precious belongings. Give us a call and give us a change to provide all that you need and want to protect your belongings. We want you in or family!
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Insurance for your valuables is a very serious thing. Most
people, however, often look cost over coverage. This could end up
costing you more in the long run.
Insurance that is less expensive is always appealing to the
naked eye. However, did you ever stop and think, “Why is this so
cheap”? In some instances, the coverage is not like for like and that
is why the difference in price. In some cases, an insurance bargain
can lead to a devastating consequence.
Here at All Risk Insurance, we go over the options and
coverages that are available to you and let you, the insured, decide
what is most important to you and your family. A knowledgeable
consumer is our best customer.

Some of the coverage listed below should be considered:
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Deductibles: The lower the deductible, the higher the
premium. If an insured feels that they can absorb some of the cost
of a potential claim, then perhaps it would make sense to raise your
deductible, thus lowering your premium. However, if you are not in
the financial position to pay out of pocket for damage sustained to
your property, then the lower deductible would be your better
option.
Replacement cost for your personal property: There is Full
Replacement Cost and Actual Replacement Cost for your personal
property. The Full Replacement cost is more costly, however, it will
replace like for like. The Actual Cost Value is a depreciated value
and will pay you on a lower level to replace your belongings. Full
Replacement is more expensive in premium than Actual Cost. It is
whatever suits your individual needs. .
Make sure you are working with an independent agent whose
support and expertise will keep you financial risks well covered.
Here at All Risk Insurance, we want to help protect your
family from a being improperly insured. The BBB has rated All Risk
Insurance as an A+ company for 12 years of service to the residents
of Florida. Feel free to give us a call at 561-395-5220.
Our office hours are Monday through Friday, 9:00 a.m. to 5:00
p.m. If you want to contact us after hours, do not hesitate to send
us an email at lisa@allriskinsurancegroup.com

While business insurance protects from financial liability in certain cases, it can still cost
you a lot in the long run. Implement these tips and save thousands a year on insurance costs.
1. Consider Raising Your Deductible
A deductible is a specified amount of money that the insured will be responsible for in
the event of a covered claim. Raising your deductible can reduce your insurance premiums.
2. Talk with Your Insurance Broker
A licensed and reputable insurance broker can help you find the right business insurance
policy. All Risk Insurance Group has been rated as an A+ insurance company by BBB. We will
find the best coverages for you that will protect your most important assets.
3. Review your Coverages
It is important for a small business to carry general liability insurance. Liability insurance is
to protect the purchaser (the "insured") from the risks of liabilities imposed by lawsuits and similar
claims. It protects the insured in the event suit is filed for claims that come within scope of coverage
of the insurance policy.
4. Look to Bundle
Consider a Business Owner Policy, also known as a BOP policy. This policy combines liability and property insurance into one policy. BOP policies offer many options that a traditional General Liability policy does not offer such as business interruption and loss of income insurance. Ask your agent what the best option would be for you.
5. Reduce Your Risk
Talk with your insurance agent about possible ways to your exposure to loss through theft-prevention programs, human resource training or workplace safety measures. These programs could assist you in preventing potential losses from occurring.
Here at All Risk Insurance, we want to protect you from unnecessary expenses,
stress and time in case of a car accident. Feel free to give us a call at 561-395-5220 to get the
best auto insurance premiums.
Our office hours are Monday through Friday, 9:00 a.m. to 5:00 p.m. If you want to
contact us after hours, do not hesitate to send us an email at lisa@allriskinsurancegroup.com