Business Owners: Commercial Insurance with Your Success

Smart leaders are often able to organize a company nicely for profits and excellent customer service. Companies with products or services are pleased to have insurance protection and good staff to contact for commercial insurance needs.  A good relationship with an insurance company goes nicely with successful profits and product sales.  

Good Leadership

The owners of businesses are usually good at organizing for success.  This includes a smart hiring process to get the best talent that works with the planned expense amounts.  Business success is a smart reason to consider insurance options.  There are many other reasons owners should consider the benefits of commercial insurance.  A smart focus on commercial auto and commercial umbrella insurance is easier with experienced staff.  Successfully serving businesses in St. Augustine, FL, Tim Huber Insurance is able to answer all of your questions and make the process simpler. 

Business Success

Planning for success is smart and good leaders often figure out how to build a strong network with a long contact list.  Experienced professionals offering commercial insurance can be nice additions to a contact list. Also, the staff involved with commercial insurance can help you with rental payment insurance or business expansions.  New property acquisitions are possible topics of conversation with any new employee hiring and commercial auto needs.  Successful business growth should be celebrated and the people at Tim Huber Insurance are there to applaud your efforts. 

Serving St. Augustine, FL, the insurance company knows business success and can help simplify everything.  The experienced staff at Tim Huber Insurance is available to discuss the options for commercial insurance.  Contact this insurance agency for more information.  You can visit their website at  Let an experienced company help you build your business and celebrate your success.

Life Insurance for Investments

At Tim Huber Insurance of St. Augustine, FL, we want you to understand the many ways insurance can benefit you. This blog explains how to use life insurance as an investment tool to save for retirement.

You can use insurance to fulfill the old adage, “Kill two birds with one stone.” That’s because if you buy the right policy, it functions as both insurance and investment tool. By choosing permanent insurance, you cover your impending burial costs, plus provide for your family. It also works to your advantage in four key ways as an investment tool.

  • It provides tax-deferred growth. You pay no tax on the interest of the cash value component. You won’t pay taxes on capital gains, dividends or interest related to the life insurance policy until withdrawal.
  • You can keep the insurance policy into old age – up to age 120. So long as you pay your premiums, you have coverage. Unlike term, you will still be covered past your 70th year. With improvements in health care, people live longer. This ensures you still have life insurance coverage, so your spouse or adult children do not get stuck with a surprise expense.
  • Your insurance policy works a little like a savings account. If you want to take out a loan for a large purchase, you can borrow against the policy’s cash value. It functions as collateral and makes it easier for you to pay for college for your children or buy a house. Another plus is you can do it without paying penalties or taxes.
  • You can access accelerated benefits if you fall critically or terminally ill. Depending on the policy, you can receive between 25 and 100 percent of the death benefit if you fall ill with a condition specified in your policy, such as end-stage renal failure, heart attack, invasive cancer or stroke. This lets you pay medical bills and improve your end-stage quality of life. While your beneficiaries won’t get the full death benefit, they also won’t be stuck with your medical bills. Even if you have health insurance, you’ll have to pay the deductibles.

Call or visit Tim Huber Insurance of St. Augustine, FL to learn more about how you can use life insurance as an investment tool. Why not obtain a policy that helps you in multiple ways? We can help. Call us.

Some Subtle Differences In My Trailer Home Insurance Policy As Opposed To My Stationery Home Insurance Policy

An insurance policy for a trailer home and an insurance policy for a stationary home are pretty similar in that they basically cover for damages, theft, and other run-of-the-mill things that can occur to a structure. However, there are some subtle differences with a home insurance policy for a home that has the ability to move and for a home that should never move.

Because a trailer home is usually located with other trailer homes, sometimes there is security provided for that particular community as opposed to a stand-alone home that is stationary. It is like the advantage of living in a gated community. As a result, your agent may specifically discuss the merits of how much theft insurance you should carry on the trailer home. There are also many differences in the foundations of the trailer home as opposed to the stationary home which can affect home insurance guidelines. Trailer homes have different types of foundations some of them are made to be temporarily stationary. Before speaking with your agent have a clear understanding of this aspect.

We are a community of homeowners here in St. Augustine, FL and at Tim Huber Insurance we understand the value of what you are trying to protect with your home insurance policy. Whether you own a trailer home or a stationary home, you want your property which you work very hard to be fully protected. Call us today to discuss how we can help you realize your home insurance goals. Additionally, if you are in the market for auto insurance, home insurance, flood insurance, life insurance, commercial insurance, recreational insurance or classic car insurance please call us at  9048–824-2555. Please stop by our offices today, Tim Huber Insurance is located at 28 Clark St., St. Augustine, FL 32084.


Common Commercial Insurance Mistakes for Restaurants

Running a restaurant in St. Augustine, FL can be a rewarding experience but can be a challenge if you don’t buy high-quality commercial insurance. The following mistakes are ones we at Tim Huber Insurance have seen far too many unfortunate business owners make.

Weak Liability Coverage

Though general liability coverage is a good choice for restaurants, you’re going to want more than that to protect your business. For example, umbrella insurance policies help protect you from claims such as damage from food poisoning or burns caused by spills. Comprehensive liability also helps to protect you from specialized restaurant claims, such as slipping on a wet floor.

No Loss of Income Coverage

What happens to your business if a fire or a health-related shutdown close your doors for weeks or months at a time? You won’t be getting any money and neither will your employees. If you bought loss of income coverage, this situation wouldn’t be devastating. This coverage will pay for your lost income when your restaurant is closed. It may also help your employees if you set up this type of extra coverage with your insurance company.

Poor Background Checks for Drivers

If your restaurant does deliveries, you need to make sure that you double- and triple-check the records of each employee who drives your company vehicle. Your commercial auto insurance policies will hinge on the abilities of your drivers. So even if you don’t cause an accident but an employee does, you will end up having higher premium rates and struggling to make your payments.

Avoid These Issues With Our Help

So if you run a busy St. Augustine, FL restaurant and want to make sure you don’t fall a victim to these mistakes, please contact us at Tim Huber Insurance right away. Our agents will work with you to identify the best commercial insurance coverage for your restaurant’s needs.

What are the benefits of classic car insurance?

Owning and driving a classic car is a dream for many people around St. Augustine, FL. A classic car is not only stylish, but it can also be a good investment as they tend to increase in value over time. While having a classic car is a dream for many, it is also an important asset that needs to be protected with insurance. One of the best ways to do this is through a classic car insurance policy, which can provide you with unique benefits. 

Gives Additional Value Coverage

If you have a classic car that has the value that you want to protect, classic car insurance is a necessity. Most car insurance policies will only provide you with coverage for up to the actual cash value, which is just the replacement cost less past depreciation. With classic car insurance, you will receive a guaranteed value that has been agreed to in advance by you and your auto insurance provider. This ensures that you can receive the full value of the car if it is damaged beyond repair.

Typical Liability Coverage

Another advantage of classic car insurance is that is can provide you with the standard liability coverage. With a classic car, you will have the same liability insurance obligations as you would if you were driving any other car. Part of your insurance policy will provide you with coverage that will at least the state minimum requirements.

If you are an owner of a classic car in the St. Augustine, FL area, you should reach out to the team at Tim Huber Insurance. Choosing a quality classic car insurance policy can be complicated and you will want to speak with someone that is knowledgeable about this unique product. Tim Huber Insurance will help you to build a policy that provides you with the right level of coverage to protect your classic car. 

Does Motorhome Insurance Cover Your Personal Items?

If you are planning on setting out on the road in a motorhome, you may want to familiarize yourself with the insurance terms and conditions whether you are providing your own vehicle or renting one. There are different types of motorhome coverage, just like there are different types of auto insurance.

Basic Motorhome Insurance

If you purchase basic motorhome insurance, generally, it covers the actual engine and structure or the motorhome. If you want to include more comprehensive coverage, you will have to purchase additional insurance. There may be some all in one package available, but you should inquire about your options with a reputable insurance provider. They can recommend options right for your individual needs and help you prevent gaps in coverage that could prove costly if you have a claim. 

Finding A Good Insurance Provider

Not all insurance providers are alike. In order to get the coverage you need, make sure you work with an insurance provider with experience in motorhome insurance and who also has an established reputation ion in the community. Working with a knowledgeable agent will give you the peace of mind you need to enjoy your time out on the open road without worrying about coverage. If you live in or around the St. Augustine, FL area, you should consider purchasing your motorhome insurance from Tim Huber Insurance. 

Enjoy your free time without having to worry about insurance protection. St. Augustine, FL residents can count on the insurance products offered by Tim Huber Insurance. They are ready to work with you to help you get on the road. Call or stop by the office to speak with one of our friendly insurance agents today. 

Types of Motorcycle Insurance

Choosing to carry motorcycle insurance is one of the important safety precautions every biker should take. Read on to learn more about the different types of motorcycle insurance you should purchase from Tim Huber Insurance.

Liability Insurance

Motorcycle owners in St. Augustine, FL, should buy liability insurance for their motorcycles. Tim Huber Insurance recommends that you should at least buy the minimum liability to protect yourself financially in the event of a motorcycle accident. Without a liability insurance coverage, you may end up paying a lot of money out-of-pocket in terms of bodily injury and damage to other people’s property.

Medical Insurance Coverage

In case you or your passengers get injured in a motorcycle accident, the medical insurance coverage will cover the medical bills and other expenses resulting from the injuries. You can purchase the coverage in different amounts to help you address various expenses including prescription pain medications.

Uninsured Automobile Coverage 

The coverage comes in handy when you or your family member is injured or killed in the event of an accident involving an uninsured or underinsured driver. The coverage can also provide financial compensation if the driver who hit your motorcycle is unidentified. The insurance company will also help you cover the cost of damage to your motorcycle through the coverage.

Comprehensive Coverage

Sometimes, natural causes that are not related to collision or being hit by another motorist can cause damage to your motorcycle. Hence, when your motorcycle is damaged by events or disasters such as fires, floods, vandalism, or theft, your insurance company will reimburse if you have a comprehensive coverage.

Even if you have motorcycle insurance, your coverage may not be enough to help you fully pay for serious injuries or loss of your motorcycle. Therefore, it is important to consider filing a claim against the at-fault driver or party for compensation. If you need more information about motorcycle insurance and how to get the most affordable quotes in St. Augustine, FL, contact Tim Huber Insurance today.

Reasons why you need umbrella insurance

Sometimes we have found ourselves in an incident where the insurance policy covers we hold are not accountable to all the costs of damages caused. In the USA, the insurance companies have a liability policy to cover you against these extra costs. This is meant to give you a peace of mind when you are harassed by a coincidence of depression and financial crisis.

With Tim Huber insurance- an insurance company with an agency serving city, St. Augustine FL you can access an umbrella insurance policy. However, it has been discovered that a good percentage of the population think that the policy is meant for the rich – false. Umbrella insurance policy will cover you against the following incidences. They include:

•    Protection against an injury caused to a person while in the custody of your property- If a visitor is bitten by your dog or a person breaks a leg while in your compound, they may sue you in the court of law. However, having accessed an agency serving the city, St. Augustine, FL; Tim Huber insurance and procured an umbrella insurance policy, you will be at peace. The policy will take of both the medical payment and legal charges cost – if the cost exceeds what your homeowner’s policy covers.
•    Protection against a damage caused to person’s property- sometimes we find ourselves in situations where we are the cause of damage to another parties’ property. Umbrella insurance by an agency serving the city, St. Augustine, FL; Tim Huber insurance will cover you against the cost of the loss caused to another person.
•    Coverage from lawsuits that are not under your home policy- Umbrella insurance policy by an agency serving, St. Augustine- Tim Huber insurance will pay for you the remaining legal costs.

How Much Flood Insurance is Enough?

Flooding can be common around St. Augustine, FL, especially around hurricane season. However, that is not the only time that you need to worry about it. You should have a flood insurance policy in place all year long from Tim Huber Insurance because flooding can happen in a variety of ways, not just with hurricanes. Unfortunately, most home insurance policies do not actually cover any flood damages so you need to get this in addition to that policy. However, the question is for how much?

When it comes to getting flood insurance, what you want to look at are the coverage amounts. To get the right coverage amount, you should consider not only the rebuild cost of your home but also the cost of your personal belongings in the home. Both of these things can be impacted by a flood and in the case of a total loss, you want to make sure you have enough in place to replace as much as possible. You may also want to consider getting enough coverage for housing in the interim if that is not covered by your home insurance policy. By taking these estimated amounts into consideration, it will give you the estimated amount of flood insurance coverage you need. 

Now that you have an idea of what you should be looking for in terms of a flood insurance policy, it is time to get one. You do not want to get caught without one during a flood because the financial impact can be devastating. Be sure to reach out to us here at Tim Huber Insurance, serving St. Augustine, FL, to get your flood insurance policy in place as soon as possible. We will also work with you to make sure we find a policy that fits in your budget. 

The ABCs of Liability and Boat Insurance

Owning a boat can bring both a lot of joy and also a lot of responsibility in your life. If you are concerned about the amount of insurance coverage that your current policy provides, or you are thinking about buying a boat and want to learn more about the boat policies that are available, contact Tim Huber Insurance, serving the greater St. Augustine, FL area, to learn more about your options. 

The ABCs of Boat Ownership and Liability

As a boat owner, you are responsible for any damage that your boat causes, whether through an accident or another mishap and for any injuries sustained by your passengers. Many owners do not consider that their liability can extend to medical costs as well as damages brought by a party who is injured while on your boat. In fact, if someone is injured climbing onto or out of your vessel you may be held responsible even if the boat is docked. In order to protect yourself from such damages, it is important to carry adequate liability coverage. Our team of professional agents can meet with you and review your current policy and confirm if the protection is adequate for your needs. Many boat owners focus on coverage for the boat itself without considering what can happen to them if there is an injury-causing accident involving their craft.

Don’t let the joy and exhilaration of boat ownership cloud your judgment when it comes to securing adequate boat insurance coverage. The team at Tim Huber Insurance is proud to serve the St. Augustine, FL area, especially those who own boats and enjoy being out on the water! Contact us today or stop by our office to learn more about your options when it comes to boat insurance.