FAQs - Page 6 of 8 - IMAX Insurance Group

Q: Do I need motorcycle insurance in Florida?

Florida treats motorcycles differently from cars, and the rules surprise most riders. We broke down exactly what the law requires in our guide to Florida motorcycle insurance . The short version: what is legally required and what actually protects you are two different things, and the gap is wider on a bike than it is on a car.

Q: Can I bundle my coverage into one policy?

Often you can. A business owners policy, usually called a BOP, packages property, general liability and business interruption together for smaller operations, generally at a better price than buying each piece on its own. We wrote more about it in our guide to BOP insurance for Miami small businesses .

Q: Do you cover contractors and trades in Miami?

Yes. Contractors, trades and service businesses are a regular part of what we place. That usually means general liability, commercial auto for the work trucks, workers compensation, and a surety bond when a client or a job requires one.

Q: Is workers compensation required in Florida?

Often yes, and the rules work differently for construction than for everything else. It comes down to your industry and how many people you employ. This is one worth getting right, because the penalties for getting it wrong are real. Call us and we will tell you exactly where your business falls.

Q: What does business insurance cost?

There is no flat rate, and anyone quoting you one without knowing your operation is guessing. Price moves with your industry, your payroll, your revenue, your claims history, the coverage you choose and the limits you set. Call us at (786) 441-8985 or request a free quote and we will price your actual business.

Q: How much business insurance do I need?

Your company is its own operation, so it carries its own set of liabilities. Compare two businesses in the same industry and their coverage often looks completely different, for good reason. Our agents work through your actual exposure with you and set the limits, deductibles and endorsements around it, instead of handing you an off-the-shelf package and hoping it fits.