INSURANCE RISK ADVISORY GROUP, LLC
DUNEDIN, FLORIDA

Our Mission Insurance Risk Advisory Group, LLC is dedicated to protecting the assets of our clients through unique and personalized solutions. We offer the one-on-one service that the insurance industry used to provide, and are guided by the highest standards of integrity and professionalism. With us, you are confident that our recommendations will help you obtain the best insurance coverage to avoid inflated insurance limits/premiums or gaps in coverage. Exceeding your expectations through long-lasting relationships, innovative ideas and a deep commitment for your well-being is our goal. Dwelling insurance applies to dwellings rented to others, dwellings with lower values than required by a homeowner policy and dwellings owned by business entities. This coverage in general protects against loss due to fire, water (not flood), natural disasters, theft/vandalism and injuries on the property. Coverage is determined on the form used; basic, broad or special. An excess liability policy allows additional limits of liability coverage to sit on top of the primary limits of a homeowner, condo, dwelling, auto, watercraft, etc. policy when the basic limits provided are insufficient for an insured’s needs. This policy will provide the same coverage as the underlying policy(s). An umbrella policy will act similar to the excess liability policy, but it will provide additional coverage not on the underlying policies. Watercraft insurance will provide bodily injury and property damage liability, damage to the hull, medical and a variety of other coverage. The type, use and equipment on the watercraft will determine the type of coverage needed. BUSINESS LINES COVERAGES Business Auto Business auto insurance provides liability and physical damage coverage for company-owned autos. Additional coverages are available depending on the needs of the company. Personal auto, truckers and garage are each covered under different insurance policies. Commercial crime insurance protects the company against employee theft, forgery or alteration, inside/outside the premises, computer fraud, etc. Commercial property insurance protects against losses to buildings and business personal property related to the building. There are several coverage forms available that will provide additional coverage. Such forms include: Business Income – covers loss of income that a business suffers from a disaster Extra Expense – covers additional operating expenses that a business suffers while its property is being repaired/replaced after having been damaged by a covered loss Legal Liability – covers a business from the risk that they may be sued and held legally liable for negligence. Professional liability (Errors and Omissions) insurance protects professionals such as doctors, lawyers, accountants, etc. against negligence and other claims initiated by their clients. Commercial general liability protects the company for direct or indirect losses caused from premise or products/completed operations. In addition, there are many options available to broaden coverage that will align the exposures of the company with protection. Provides lost wages and medical expenses to employees who are injured or contract a disease while on-the-job. The intent of this policy is to cover bodily injury or property damage caused by an accident arising out of garage operations. This pertains to the ownership, maintenance or use of locations for garage business including repair, dealerships, car wash and mobile detail services. Owner and Principle Agent of Insurance Risk Advisory Group With over 25 years in the insurance and risk management field, I have a adopted a robust career toolbox that enables me to create tailored, and profitable decisions for you and your company. Our Mission Insurance Risk Advisory Group, LLC is dedicated to protecting the assets of our clients through unique and personalized solutions. We offer the one-on-one service that the insurance industry used to provide, and are guided by the highest standards of integrity and professionalism. With us, you are confident that our recommendations will help you obtain the best insurance coverage to avoid inflated insurance limits/premiums or gaps in coverage. Exceeding your expectations through long-lasting relationships, innovative ideas and a deep commitment for your well-being is our goal. Dwelling insurance applies to dwellings rented to others, dwellings with lower values than required by a homeowner policy and dwellings owned by business entities. This coverage in general protects against loss due to fire, water (not flood), natural disasters, theft/vandalism and injuries on the property. Coverage is determined on the form used; basic, broad or special. An excess liability policy allows additional limits of liability coverage to sit on top of the primary limits of a homeowner, condo, dwelling, auto, watercraft, etc. policy when the basic limits provided are insufficient for an insured’s needs. This policy will provide the same coverage as the underlying policy(s). An umbrella policy will act similar to the excess liability policy, but it will provide additional coverage not on the underlying policies. Watercraft insurance will provide bodily injury and property damage liability, damage to the hull, medical and a variety of other coverage. The type, use and equipment on the watercraft will determine the type of coverage needed. BUSINESS LINES COVERAGES Business Auto Business auto insurance provides liability and physical damage coverage for company-owned autos. Additional coverages are available depending on the needs of the company. Personal auto, truckers and garage are each covered under different insurance policies. Commercial crime insurance protects the company against employee theft, forgery or alteration, inside/outside the premises, computer fraud, etc. Commercial property insurance protects against losses to buildings and business personal property related to the building. There are several coverage forms available that will provide additional coverage. Such forms include: