Did you know that as a landlord in Florida, you’re legally responsible for the safety of your tenants? That means if someone is injured on your Ft Myers, FL property, they could hold you liable. That’s why it’s so important to have a landlord’s liability insurance. This type of insurance can help protect you financially if a tenant ever sues you.

Here are just a few of the many benefits of having landlords’ liability insurance:

Help Cover Your Legal Expenses

Your legal expenses can quickly add up if a tenant ever sues you. With landlords’ liability insurance, you won’t have to worry about how you’ll afford to pay for a lawyer. Your insurance will cover the cost.

Provides Financial Protection

You could face a significant financial judgment if you’re liable for an accident on your property. That’s why it’s so important to have insurance. It can help cover the cost of the judgment and any damages they may order you to pay. Your Martin Insurance Team can help you find the right policy for your needs.

Covers Property Damage

If a covered event damages your property, a landlord’s insurance can help pay for the repairs. This policy can also cover the cost of any lost rent if your property is uninhabitable.

Gives You Peace of Mind

As a landlord, you have enough to worry about without stressing about what would happen if someone sued you. With landlord’s liability insurance, you can have peace of mind knowing that you’re protected.

As you can see, there are many benefits to having a landlord’s liability insurance. If you’re a landlord in Florida, it’s something you should consider. Contact your Martin Insurance Team today to find out more.

The shipping and transportation industry is a very important one as it helps to ensure that products are able to be shipped from the manufacturer and distributors to retailers and individual consumers. For those that are in the transportation industry in the Ft Myers, FL area, having the right insurance in place to protect the business is important. You will need to have transportation insurance for various reasons.

Coverage Protects Transportation Provider

One of the reasons to have a transportation insurance plan for your transportation business is that it can help to cover your organization. A proper transportation insurance plan will give you coverage for any type of cargo that you are transporting. This way, if there is an accident that results in damaged products, you will be covered. It can also provide valuable liability coverage, which can be helpful if you are named liable for an accident.

Coverage is Required by Stakeholders

You will also want to have a transportation insurance plan as it could be required by the stakeholders. When you are in the transportation industry, you will be entrusted with various products owned by manufacturers and distributors. Due to this, they will want to know their assets are covered as well as possible. Ensuring that transportation services are properly protected with their own insurance is a requirement for many companies.

It is very important for a company in the Ft Myers, FL area to maintain an adequate transportation insurance plan at all times. When you are looking for a new transportation insurance plan here, starting your search with the Martin Insurance Team is a good option. The professionals with the Martin Insurance Team know the importance of this type of coverage and can ensure you remain properly supported with a transportation insurance plan.

If you own a trucking company in the greater Ft Myers, FL area, it’s time to get to know the Martin Insurance Team! We are here to help you with all of your insurance needs. Give us a call today!

Protect your trucking company today!

Owning or operating a trucking company is not an easy job. There are numerous facets of the business that are constantly in flux, and it may seem like you are constantly putting out fires or dealing with crises. On top of that, you have a lot of money invested in your vehicles, and if they’re off the road for any significant period of time, your bottom line can take a serious hit.

Fortunately, with the right trucking company insurance policy in place, you can protect yourself from many of the ups and downs that can be a part of owning a successful trucking company.

There are a number of specialized needs that trucking companies deal with, from protecting their vehicles, having liability coverage, and dealing with employees, just to name a few. All of these needs make it even more important to have the right policy in place. By sitting down with an experienced agent, you can review all of your needs and find a policy that meets them.

Too much work goes into running a successful trucking company to neglect to have the right insurance coverage in place. Find out more about the different trucking company insurance policies available today.

Find out more

Ft Myers, FL area trucking companies can rely on the Martin Insurance Team for all of their insurance needs. If you own or operate a trucking company in the area, give us a call today. We would welcome the opportunity to work with you!

In an ideal world, you wouldn’t need insurance. After all, there would be risks to bother you. But because an ideal world doesn’t exist, your business needs insurance to ensure that it can last for many years to come. If you are in the transport industry, you need transportation insurance to safeguard your business. But how does this insurance plan protect your business? Martin Insurance Team in Ft Myers, FL has the answer.

Liability protection

Because your business uses trucks and other heavy-duty vehicles, accidents can happen. And if you are at fault, you could be liable for third-party injuries and property damage. Worse yet, you can face a significant financial mess if the victim goes ahead to sue you.

But guess what? Transportation insurance protects you against third-party claims. It covers all the costs falling within the limit, lessening your financial burden.

Asset protection

Setting up your transport business calls for a huge investment. Transportation insurance covers physical damage to your vehicles when perils strike.  For instance, if your truck is involved in an accident, your insurer covers the repairs and even replacement if the truck is totaled.

Covers your employees

Transportation insurance covers the medical costs of your drivers and other personnel should they fall ill or suffer injuries in the workplace. This insurance policy saves your business significant financial losses from employees’ medical costs.

Covers goods

Theft or loss of goods is not uncommon in the transport industry. And since it can eat into your business finances, you better invest in transportation insurance to handle this headache on your behalf.

Buy transportation insurance in Ft Myers, FL 

Want to see your transport business thrive for many years to come? If yes, consider transportation insurance today. To get coverage, please get in touch with Martin Insurance Team for an affordable quote.

Just like health insurance, disability insurance is one policy you buy, hoping never to use it. But because life is full of surprises, you can’t take chances by assuming all will be well. Instead, invest in disability insurance from Martin Insurance Team located in Ft Myers, FL. This way, you will have made a huge step in protecting your future financial plan.

What is disability insurance?

Before going far, let’s get the basics out of the way. What is disability insurance? This insurance policy covers your income if you can’t continue to work because of factors like illness or injury. You may think that disability insurance is just for freak accidents, but it also covers things like personal injuries, cancer, and heart attack — things that you may not link with disabilities.

Who needs disability insurance?

Some states require employers to purchase disability insurance, but Florida isn’t one of them. However, this doesn’t mean you should risk going on without disability insurance. It would be best if you had this insurance plan to supplement your income when you cannot work.

You may think that your emergency fund is enough, but this can only sustain you for a few months. If your disability persists for more than one year, disability insurance gives you part of your income to cover your expenses and long-term care.

So, in summary, you need disability insurance if:

• You rely on income and don’t have enough savings to carry you through when not earning
• Your employer doesn’t offer this insurance plan
• You need peace of mind because life is very unpredictable

Ultimately, everyone needs disability insurance because you never know when disaster will strike. And even if you have sufficient savings, the purpose of these savings wasn’t to step in when disabled. Let disability insurance do this for you.

Invest in disability insurance today!

Want to invest in disability insurance in Ft Myers, FL? You can trust Martin Insurance Team for all your disability insurance needs.

We live in unpredictable times. Today you are healthy or okay, and tomorrow the story is different. The fact that no one plans to get hurt or sick should make you think twice about getting a health insurance policy. Health insurance is that safety net that protects you and your family financially when that illness kicks in. Besides the financial confidence of taking care of your loved ones, health insurance is beneficial in so many ways.

To that end, when you purchase health insurance from Martin Insurance Team in Ft Myers, FL, you get to enjoy the following benefits.

It protects your savings and assets

Some health conditions like cancer can wipe out all your savings to the extent of getting into your assets. That’s why health insurance is essential at all times, as no one plans for an illness. With good health insurance, your savings and assets can be used for the intended purpose.

It safeguards your family

Let’s talk about our aging parents, who are vulnerable to diseases. Ensuring that everyone in your family, including them, gets good medical treatment if they fall ill is essential. With a good health cover, you will not stress about medical expenses.

Offers preventive care

Health insurance offers preventive care that helps you stay healthy, like immunizations and annual check-ups.

Offers peace of mind

Nothing can beat the peace of mind. You see, no one is immune to an accident or an illness. Having a health cover allows you to live your life doing the activities you love knowing your health is protected.

Helps with medical inflation

As technology improves, the cost of treatment increases. The cost of diagnostic tests, consultation, theater, ambulances, or medicines is also rising. Without a sound health insurance plan, the costs could jeopardize your finances.

Buy health insurance near you

Health insurance is a no-brainer in a world full of uncertainties. It would be best to protect yourself and your family from any eventuality that could lead to expensive medical costs. If you live in Ft Myers, FL and its environs, contact Martin Insurance Team today for an affordable quote.

If you have a motorcycle, you may be struggling to find the right policy for your insurance. There are so many different types of insurance, and it can be very confusing. You need to read the fine print to make sure that you are fully protected.

Here are some types of motorcycle insurance you may want to consider.

Liability insurance is used to cover bodily injury and even property damage that may occur while you are out riding your motorcycle. It will also help you if you are sued, by covering your legal costs. Most basic motorcycle insurance policies consist of liability insurance only.

Motorcycle collision insurance will cover the cost to fix or replace your bike if you are in an accident. Unless you can easily replace your bike, you should consider getting some sort of collision insurance.

Comprehensive coverage provides coverage for anything that may occur when you are not riding your bike. This can include damage to the weather or fire. It will also cover theft and vandalism.

Uninsured and underinsured motorist insurance will protect you if you are in an accident with someone who doesn’t have enough insurance to cover your needs. It will step in after their insurance pays, or will pay the whole thing if they don’t have insurance at all.

Guest passenger liability coverage might be something else that you want to consider. It will cover the cost of the injuries of any passengers that are riding with you.

The best way to make sure that you have enough insurance is to talk to a professional. Don’t hesitate to contact us today at Martin Insurance Team in Ft Myers, FL. We will be glad to help you find the right coverage.