Can ClearPalm review my current policies?
Yes. Free policy review: examine coverage, identify gaps, recommend adjustments. [...]
Why use a broker instead of buying direct?
A broker shops 150+ carriers for the best price and [...]
Do I need cyber insurance if I handle employee data?
Strongly recommended. Any business storing SSNs, bank accounts, or processing [...]
What does general liability NOT cover?
Employee injuries (WC), professional errors (E&O), your own property (property [...]
How fast can I get a certificate of insurance?
Same business day in most cases. For urgent COIs, call [...]
What do Florida contractors usually need?
GL, WC (1+ employee), commercial auto, inland marine, surety bonds, [...]
What do I need before signing a lease?
Most landlords require general liability and sometimes property insurance, plus [...]
What do I need before hiring my first employee?
Workers’ comp (1+ employee in FL construction, 4+ in most [...]
What am I probably missing right now?
Most common gaps: no cyber liability, insufficient umbrella, missing inland [...]
What insurance does my Florida business actually need?
At minimum, general liability and workers’ comp (if you meet [...]
