Services

General Liability

In today's litigious society, even small mishaps can result in large lawsuits. That's why general liability insurance, along with property and worker's compensation insurance, is essential for most companies. Liability insurance protects the assets of a business when it is sued for something it did (or didn't do) to cause an injury or property damage. General liability insurance can be purchased separately or as part of a business owners package policy. A package policy bundles property and liability insurance into one policy. Businesses that need higher limits of liability usually purchase excess/umbrella insurance as a separate policy.

Commercial Property Insurance

Jenca Insurance Consultants understands that your business is unique and sometimes changing. We can tailor our commercial property insurance policy to fit your needs. Commercial property insurance is one of the most important investments ensuring the future of your business. Our company will provide you with the right policy when your commercial property requires protection:

Buildings Owned or Leased.
Business Personal Property.

Buildings Under Construction

Business Property of Others.

* Any and All Types of Property.

Personal Lines Coverage

Homeowners

Flood

Personal Auto

Umbrella

Homeowners Insurance

As home values increase, homeowners insurance premiums tend to follow. However, there are simple ways to save on insuring your home and personal property while still securing the protection you need.

Today’s homeowners package policies offer a wide variety of coverages, including protection for your dwelling, detached structures, and personal property. Policies also include protection for liability claims brought against you or your family members. Be aware that exclusions and limitations exist within a homeowner package policy. As a result, we recommend that you consult with a insurance professional, like the ones at Jenca Insurance Consulting Corp., to assist in recognizing your coverage needs, and offering solutions to satisfy those needs.

Flood-Protect Yourself With Flood Insurance

Rising water/flood can cause tens of thousands of dollars in damage. From 2008 to 2014, the average residential flood claim amounted to more than $38,000. Flood insurance is the best way to protect yourself from devastating financial loss.

Flood insurance is available to homeowners, renters, condo owners/renters, and commercial property owners/renters. Costs vary depending on how much insurance is purchased, what it covers and the property's flood risk. All policy forms provide coverage for buildings and contents. However, you might want to discuss insuring personal property with your agent, since contents coverage is optional. Typically, there's a 30-day waiting period from date of purchase before your policy goes into effect. That means now is the best time to buy flood insurance.

Personal Auto

Florida state law requires Personal Injiury Protection coverage in addition to Property Damage Liability coverage with a minimum limit of $10,000. This basic coverage is often referred to as a PIP/PD. Even if state law does not require a minimum coverage for Bodily Injury Liability coverage, you are required to provide this coverage once you have been involved in an accident or certain traffic violations. It is advised that you get at least the minimum Bodily Injury Liability coverage to protect yourself from legal action.

Umbrella

Umbrella insurance provides additional limits over your existing homeowners and auto liability insurance coverages/policies.

If you are looking to add higher limits over those policies, excess liability insurance may also be an appropriate solution.

Commercial Auto

A commercial auto insurance policy serves as protection against liability for bodily injury and property damage and physical damage relative to the ownership, maintenance, or use of vehicles for your business. Commercial auto insurance also provides defense costs for the insured. Trucks and certain motorized equipment, buses, limousines, and many types of vehicles can all be afforded coverage. In addition to the standard automobile or delivery van. Your business may also need "hired and non-owned" auto liability coverage for vehicles you do not own rent or borrow.

Workers Compensation

A key part of running your business is keeping employees safe at work. However, if a worker does suffer an injury, workers compensation coverage provides you and your employees with important protection.

Workers compensation coverage is a state-mandated insurance program that covers lost wages and medical treatment resulting from an employee’s work-related injury or illness. It also covers services needed to help an employee recover and return to work.

Professional Liability

Professional Liability Insurance, also known as Errors and Omissions Insurance, protects professional practitioners against potential negligence claims made by their patients/clients etc. Professional Liability Insurance may take on different names depending on the profession. For example, Professional Liability Insurance in reference to the medical profession may be called Medical Malpractice. Most professionals may purchase Errors and Omissions Insurance. Other potential policyholders may include, for example, real estate brokers, appraisers, management consultants and website developers.

Umbrella

Even with the best planning, the unexpected can happen. A sizable judgment against your business can damage your reputation, market share, and bottom line. Would your auto or general liability policies protect your business against a substantial loss?

With umbrella coverage from Jenca Insurance Consultants, you can safeguard your business. We’ll help protect you from the unexpected so you can focus on what really matters: your business.

Umbrella insurance provides additional limits over your existing liability policies.

If you are looking to add higher limits over your existing liability policies, excess liability insurance may also be an appropriate solution.