Frequently Asked Questions
Answers to Common Insurance Questions
Choosing insurance can raise a lot of questions. Here are answers to some of the questions Florida business owners, homeowners, property owners, and renters commonly ask.
If you don’t see your question here, contact Nieves Insurance Group and we’ll be happy to help.
General Questions
Why should I work with an insurance agent?
An insurance professional can help you understand your coverage options, explain policy details, and answer questions about your insurance needs.
How do I get an insurance quote?
You can start your insurance quote online through our convenient digital quoting process.
If you prefer to speak with an insurance professional first, you can contact us directly.
Can I get insurance online?
Yes. Eligible customers can start the quoting process online and explore available insurance options at their convenience.
What information do I need to get a quote?
The information required depends on the type of insurance you’re seeking. You may be asked about your business, property, location, employees, revenue, property use, and other details relevant to underwriting.
Business Insurance
Does my small business need insurance?
Many businesses face risks that can result in financial loss. Business insurance can help protect your business against certain covered claims and losses.
The coverage you need depends on your industry, operations, employees, property, and other factors.
What is general liability insurance?
General liability insurance can help protect eligible businesses against certain third-party claims involving bodily injury, property damage, personal and advertising injury, and other covered liabilities.
What is professional liability insurance?
Professional liability insurance, also known as errors and omissions (E&O), can help protect eligible businesses against certain claims arising from professional services, advice, errors, omissions, or alleged negligence.
Is workers’ compensation insurance required in Florida?
Florida workers’ compensation requirements vary depending on factors such as the type of business, number of employees, and operations.
Businesses should determine which requirements apply to their specific situation.
What additional coverage options may be available?
Depending on your business and eligibility, additional coverage options may include:
- Cyber Coverage
- Employment Practices Liability (EPLI)
- Abuse & Molestation
- Commercial Umbrella Liability
- Tools & Equipment
- Other applicable coverage enhancements
Available coverage, limits, deductibles, and eligibility vary by business and policy.
Home & Property Insurance
What types of home and property insurance do you offer?
Depending on the property and eligibility, insurance options may include:
- Homeowners Insurance
- Dwelling & Property Insurance
- Condo Insurance
- Renters Insurance
- Flood Insurance
What does homeowners insurance cover?
Homeowners insurance can help protect an eligible home, personal property, and financial interests against certain covered losses.
Coverage can vary based on the property, location, insurer, policy, and eligibility.
Do I need insurance if I rent my home?
Renters insurance can help protect your personal property and provide liability coverage against certain covered losses.
A landlord’s insurance policy generally protects the landlord’s interests and does not necessarily cover a tenant’s personal property or liability.
Is flood insurance included with homeowners insurance?
Flood insurance is generally separate from standard homeowners, condo, and renters insurance policies.
A separate flood insurance policy may be available for eligible properties.
Does property insurance cover wind and hurricanes?
Wind and hurricane coverage can vary significantly depending on the property, location, insurer, policy, deductibles, and eligibility.
Coverage may be available as part of a policy or through a separate policy or coverage option, depending on the circumstances.
Still Have Questions?
We’re here to help.
If you have questions about business insurance or the online quoting process, contact Nieves Insurance Group.