ORBIT INSURANCE, LLC
MIAMI, FLORIDA

Business Insurance coverage is available for every conceivable risk your business might face. Cost and amount of coverage of policies vary among insurers. You should discuss your specific business risks and the types of insurance available with us. We can advise you on the exact types of insurance you should consider purchasing. These are some types of Business Insurance: Business owners purchase this insurance to cover legal hassles due to accident, injuries and claims of negligence. These policies protect against payments as the result of bodily injury, property damage, medical expenses, libel, slander, the cost of defending lawsuits, and settlement bonds or judgments required during an appeal procedure. Product Liability: insures companies that manufacture, wholesale, distribute, and retail a product may be liable for its safety. Product liability insurance protects against financial loss as a result of a defect product that causes injury or bodily harm. The amount of insurance you should purchase depends on the products you sell or manufacture. A clothing store would have far less risk than a small appliance store, for example. Business owners providing services should consider having professional liability insurance (also known as errors and omissions insurance). This type of liability coverage protects your business against malpractice, errors, and negligence in provision of services to your customers. Depending on your profession, you may be required by your state government to carry such a policy. For example, physicians are required to purchase malpractice insurance as a condition of practicing in certain states. Property insurance covers everything related to the loss and damage of company property due to a wide-variety of events such as fire, smoke, wind and hail storms, civil disobedience and vandalism. The definition of "property" is broad, and includes lost income, business interruption, buildings, computers, company papers and money. Property insurance policies come in two basic forms: (1) all-risk policies covering a wide-range of incidents and perils except those noted in the policy; (2) peril-specific policies that cover losses from only those perils listed in the policy. Examples of peril-specific policies include fire, flood, crime and business interruption insurance. All-risk policies generally cover risks faced by the average small business, while peril-specific policies are usually purchased when there is high risk of peril in a certain area. Consult with us about the type of business property insurance best suited for your small business. Home-Based Business: Contrary to popular belief, homeowners' insurance policies do not generally cover home-based business losses. Depending on risks to your business, you may add riders to your homeowners' policy to cover normal business risks such as property damage. However, homeowners' policies only go so far in covering home-based businesses and you may need to purchase additional policies to cover other risks, such as general and professional liability. We provide a good variety of choices in homeowners insurance policies by offering multiple carrier options. Our agents will do the shopping to find you the most competitive prices. Vehicle insurance (also known as auto insurance, GAP insurance, car insurance, or motor insurance) is insurance purchased for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions, and against liability that could also arise therefrom. The specific terms of vehicle insurance vary with legal regulations in each region. Vehicle insurance may additionally offer financial protection against theft of the vehicle and possibly damage to the vehicle, sustained from things other than traffic collisions. These are some of the insurance coverages: The Florida Financial Responsibility Law requires that a person, who is at fault for an accident, must provide financial coverage of at least $10,000 per person and $20,000 per accident. Meaning, if you cause an accident which results in bodily injuries to another person(s), you must either have B.I. insurance or post a bond for the required amount of coverage. If this responsibility is not met, it can result in a loss of your driving privileges. You will also be required to make financial arrangements to pay for any judgment against you for property damage and/or bodily injuries before you can get your driver's license reinstated. This coverage is not required to legally drive an automobile in the state of Florida, however, it can be if you have been convicted of a DUI and the minimum required is $100,000 per person and $300,000 per accident. Vehicle insurance (also known as auto insurance, GAP insurance, car insurance, or motor insurance) is insurance purchased for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions, and against liability that could also arise therefrom. The specific terms of vehicle insurance vary with legal regulations in each region. Coming NORTH on the Palmetto Expressway (826), exit on NW 122nd Street (W 68th Street in Hialeah). Make a left at the traffic light but move right away to the right-most lane, before you get to the traffic light under the expressway. Turn right after the light and take the road that goes between the Hospital (on the left) and the canal (on the right). Continue straight for about one mile while the road takes a wide turn towards the left. After reaching the traffic light at W 23rd Ave, continue straight for about three more blocks with the canal still on your right. We are located in the SHOPPING CENTER ON THE LEFT, BEFORE the intersection with W 26th Ave, right where Franky's Deli is. Coming SOUTH on the Palmetto Expressway (826), take the exit to NW 138th St (W 84th St in Hialeah) and stay on the right side of the exit ramp. At the stop sign, make a left turn, and then a right turn at the next traffic light on W 84th St. Continue straight for about three more blocks with the canal on your right. We are located in the SHOPPING CENTER ON THE LEFT, BEFORE the intersection with W 26th Ave, right where Franky's Deli is.