Insurance Discount Shop
Established in 1985, we are a family-owned independent agency with over 35 years of experience serving Florida. Specializing in tailored insurance solutions, we excel in underwriting, rating, and navigating the complexities of insurance. Whether you're a business seeking robust commercial coverage or an individual in need of personalized options, we are committed to delivering comprehensive solutions with a focus on client satisfaction.
Our Difference
At Insurance Discount Shops, we understand the unique complexities of insuring properties such as condominiums. Our experienced team is equipped with the knowledge and resources to navigate these challenges effectively, protecting your assets against a wide range of potential risks. We take pride in our commitment to excellence and personalized service. Whether you're a property manager, association board member, or owner seeking reliable insurance for your condominium complex, we're here to offer expert guidance and customized solutions. Our goal is to secure the coverage you need at competitive rates, providing you with peace of mind knowing that your investment is safeguarded. Discover the difference of working with Insurance Discount Shops. Contact us today to learn more about our comprehensive insurance solutions and how we can help you protect what matters most.
Agency Owner
Lucia Rodriguez
Agent
Eric Alvarez
Administrator
Gabriel Alvarez
Administrator
Anjuly Como
FAQS
What factors affect my insurance premium?
Several factors affect your commercial insurance premium:
Business Type: Higher-risk industries, like construction, have higher premiums.
Location: Urban areas and places with higher crime rates typically have higher premiums.
Coverage: More coverage and higher limits increase premiums.
Claims History: Frequent past claims lead to higher premiums.
Business Size and Revenue: Larger businesses with more revenue usually pay more.
Number of Employees: More employees can mean higher premiums.Deductibles: Higher deductibles lower premiums, and vice versa.
Safety Measures: Good safety and security practices can reduce premiums.
Compliance: Adherence to regulations can lower premiums.
Credit Score: Good credit can result in lower premiums.
What does commercial general liability insurance cover?
Commercial general liability (CGL) insurance covers your business against claims of bodily injury, property damage, and personal or advertising injury caused by your business operations, products, or services. This includes legal fees, medical expenses, and settlements or judgments if your business is found liable.
How much commercial general liability insurance do I need for my business?
The amount of CGL coverage you need depends on various factors, including the size and type of your business, the perceived risk associated with your industry, and contractual requirements. A typical CGL policy offers $1 million per occurrence and $2 million aggregate coverage, but higher limits may be necessary for businesses with greater risks. It's advisable to assess your specific needs with an insurance professional.
