Are you interested in learning more about inland marine insurance? The folks at McCormick Insurance Inc. are here to answer any insurance-related questions that you may have. If you’re a business owner in the Pembroke Pines, FL area, here’s what you need to know.

What is inland marine insurance, and how can it help protect your company?

The name is very confusing, as an inland marine insurance policy can help protect your inventory even when it’s miles away from the sea. The name is a carryover from the days when most commercial transports occurred via ocean liners. Now, inland marine insurance policies can protect inventory and equipment while being shipped, stored, or delivered. Hopefully, the name will more accurately reflect its purpose one day soon.

Such a policy can also protect the freight delivered to you. It can also be effective if any materials, inventory, or equipment is being stored in a third party’s warehouse. Any company that sources materials, products, or equipment overseas or overland can benefit from such a policy.

So, contrary to the name, this type of policy can be used for items shipped via truck, train, or plane. Your primary commercial policy may not be adequate if you rely on the shipping of any type. Sit down with your agent today to learn more about how an inland marine policy can help protect your company!

Let’s work together!

All business owners in Pembroke Pines, FL, and the adjacent areas can rely on McCormick Insurance Inc. for their commercial insurance needs. If you have questions, we have the answers! Get in touch with our office today and schedule a consultation.

We look forward to working with you.

If you are a boat owner in the greater Pembroke Pines, FL area, the team at McCormick Insurance Inc. is here to help you with all of your insurance needs. Boat insurance can help provide coverage that will keep your vessel protected. Give our office a call today to set up an appointment.

Make sure your boat policy provides at-sea towing service coverage

When it comes to boating, a lot can go wrong. Boat owners get a lot of joy out of their watercraft but are all too aware of the expenses that come with them. One way to protect yourself is to have a comprehensive boat policy. Not only will this type of policy protect your vessel and shield you from liability risk, but they also offer some useful features.

One such feature is coverage for costs associated with towing services at sea. The only thing worse than being stranded at sea is the often exorbitant fees that towing companies charge! If you are usually in the open waters fishing or recreating, this is a great feature to have. Take the time to review your current policy to see if this coverage is included. If not, it is worth the effort to contact your agent and discuss adding it as an upgrade.

Enjoy your boat knowing that you have the protection you need! Comprehensive boat policies are the way to go!

We are here to help you with all of your insurance needs

The crew at McCormick Insurance Inc. is here to help the greater Pembroke Pines, FL community with all of its insurance needs. Give us a call today or stop by our office to learn more about your boat insurance policy options!

Pembroke Pines, FL area homeowners rely on the team at McCormick Insurance Inc. for all of their insurance needs. If you’re wondering if flood insurance is right for you, we can help. Give our office a call today!

Benefits of flood insurance outside of a flood zone

If you live in a flood zone, the decision to get flood insurance is a no-brainer. Your lender probably requires you to carry a policy. But what if your home is not located within a flood zone? You may hear about neighbors obtaining this type of insurance and wonder if it’s something that you might need.

If you are considering flood insurance, you may want to know that numerous homes outside of flood zones experience flood damage. If you are near an area that often floods, there is good reason to get a flood policy. Most homeowner policies exclude damage caused by floodwater from their protection.

Any time you experience flood damage, you will be relieved to have a flood insurance policy. You won’t have to worry about dealing with a claims adjuster who excludes the damage from your home policy. You’ll have the protection you need if your home is damaged by floodwater when you have an additional flood policy in place.

Going without flood insurance in our area isn’t always a great idea. Having this insurance will help protect your home.

We are here for you!

McCormick Insurance Inc. is proud to serve the insurance needs of the greater Pembroke Pines, FL community. If you’re wondering if you need flood insurance or would like to review all of your insurance holdings, we are here to help. Give us a call or stop by our office today!

If you are concerned about leaving your end-of-life expenses for your family to handle, it’s time to talk with the folks at McCormick Insurance Inc. We are proud to be of service to the residents in the greater Pembroke Pines, FL area. If you have questions about end-of-life expenses, we can help you find the answers you need. Give us a call today. 

Taking care of your end-of-life expenses

Burial expenses are something that everyone will have to deal with eventually. Did you know that there are several different ways that a life insurance policy can help take care of these costs?

If you are older than 50, you will likely qualify for a basic policy that could help cover your burial and other end-of-life expenses. Even if your estate can more than cover these expenses, having an end-of-life policy is also helpful. It can take some time for an estate to go through probate, and your survivors may not have access to the funds they will need to cover your expenses.

With a life insurance policy that is paid out immediately, you won’t have to worry about your death causing your family any additional stress. 

Give us a call or stop by today!

Dealing with the expenses that are a part of death can be an uncomfortable topic to deal with, but the team at McCormick Insurance Inc can help you with it. This is a discussion that is important to have if you live in the greater Pembroke Pines, FL area. Especially if you don’t want your loved ones to worry about the financial impact your death will have on them. Please stop by our office today, or give us a call to find out more. 

Floridians love their water toys, and if you live near Pembroke Pines, FL, you likely have a recreational vehicle, such as a jet ski, that you regularly use for fun along the state’s top beaches.

It’s a popular pastime, but it can be dangerous. You might want to consider insurance to safeguard yourself from costs related to collisions on and off the water.

Do You Need Recreational Vehicle Insurance in Pembroke Pines, FL?

Florida doesn’t require insurance on water toys like jet skis. However, it’s recommended. You can purchase a policy from a provider like McCormick Insurance Inc. to protect yourself in the event of an accident, theft, or storm damage.

Why You Should Get Jet Ski Insurance in Florida

A policy on jet skis is a great way to protect your investment and any other liabilities. Without insurance, you may be liable for the cost of damage to someone else’s property and injuries they sustain in an accident involving your jet ski. These expenses can add up quickly and become a real burden.

Does Auto Insurance Cover Small Recreational Vehicles?

Your standard Florida vehicle coverage may include liability coverage for your jet ski. However, this area of your policy might be limited to basic medical coverage for injuries. This is usually enough if your concern is only your liability for wellness. But for damages and severe injuries to others, you will want separate coverage to protect yourself further.

Buy Recreational Vehicle Insurance in Pembroke Pines, FL

McCormick Insurance Inc. can help you get jet ski insurance in Florida that matches your policy needs. Call us to learn more about recreational vehicles and all your coverage options.

Pembroke Pines, FL area business owners owe it to themselves to learn more about umbrella insurance policies. The team here at McCormick Insurance Inc. is here to answer any questions that you may have about comprehensive commercial insurance.

Benefits of umbrella policies for local business owners

Commercial insurance policies are an integral part of protecting the hard work and dedication that goes into building and growing a successful business. As your company grows and changes, so too will your insurance needs.

When it comes to protecting commercial interests, business owners owe it to themselves to find out how an umbrella policy can help protect their company. Because commercial policies are structured with policy maximums, it is possible to run out of insurance coverage and protection. Don’t let this happen to you!

Should your primary policy ever reaches its policy maximum and you have an umbrella policy in place, you can rest easy. Your umbrella insurance will take over where the primary policy leaves off. This strategy allows you to increase your overall level of insurance and ensures that your company is protected now and in the future.

Business owners who are focused on growing their companies need to give umbrella insurance a close look. When you have a robust commercial insurance portfolio in place, it allows you to focus on the core needs of your business. Don’t let a maxed-out commercial insurance policy disrupt your firm’s ongoing growth and success.

Schedule your consultation today

If you are a business owner in the greater Pembroke Pines, FL area and would like to find out more about the benefits of commercial umbrella policies, count on McCormick Insurance Inc. Give us a call today and schedule a consultation to learn more.

At McCormick Insurance Inc., most clients always want to know about deductibles and coverage limits. The idea is to determine how much they will be paid and what amount they will part with when making a claim. Additionally, we usually don’t like to see clients’ covered partly when perils strike.  For this reason, we ask clients to consider insurance plans like excess insurance to boost the insurance options they have in place.

What is excess insurance?

Before going far, let’s get basics out of the way: what is excess insurance?  This insurance plan provides additional coverage to your existing insurance plans. Simply put, it’s an insurance plan that covers the extra cost over and beyond what your primary insurance plans cover.

Most people confuse excess insurance with umbrella insurance. The two serve the same purpose of boosting your insurance policy, but they are different. Excess insurance enhances related insurance policies, while umbrella insurance covers different plans. Also, umbrella insurance provides coverage against personal liabilities like libel and slander — such perils aren’t covered by excess liability.

Who needs excess liability?

Excess insurance is not mandatory like auto insurance, meaning that not everyone needs this insurance plan. However, if your claim history is high, you definitely need excess insurance. For instance, if your business has premises where customers usually make claims of falls and slips, you need excess insurance.

Besides, if you have a high chance of being sued, excess insurance would come in handy to cover attorney fees, paperwork, and court awards.

Buy excess insurance in Pembroke Pines, FL 

Would you like to buy excess insurance in Florida? Please look no further than McCormick Insurance Inc. We don’t just sell insurance for the sake. We will examine your situation and advise whether excess insurance is good for you.