6839 Main Street
Miami Lakes, FL 33014
Speak with an agent
(305) 557-5578

Other Insurance

Insurance Policy / Coverage

Condition

Plan Type

 Accident

Accidents both on and off-jobs

Individual

Aircraft

Physical damage to aircraft. Property
damage or bodily injury to people other than the named insured. Property
damage and bodily injury to named insured.

Individual

Annual Travel

Multi trip and single trip

Individual

Antiques

Theft of antique car or other antique
possession that you have enlisted in the policy.

Both

Art

Expensive art. Art by a famous artist.
Theft, Breakage or Mishap in transit. Residents of a high risk flood or
earthquake zone.

Both

Auto

Accident, Medical conditions due to
accident, getting hit by uninsured or underinsured motorists, collision,
damage from storm, vandalism or a passive object like tree or a post.

Individual

Avian

Accidental injuries e.g. collision with fan
or window, Feather picking, GI infections, respiratory problems, illness.

Individual

Backpackers

Accident, Illness, theft, trip cancellation

Individual

Bicycle

Theft, vandalism, hit by another vehicle,
hit another vehicle or individual.

Individual

Birthday

If you want to save for your grandchildren

Individual

Boat

Accident, any injury due to accident to
your boat or to any other individual’s boat or to the individual himself

Individual

Boiler

For heating cover

Individual

Breakdown

Car breakdown

Individual

Builders

Damage to buildings while under
construction.

Individual

Buildings

Damage to the structure of the property
(building).

Individual

Business

Damage to business property, interruption
to business, property damage or bodily damage to others.

Group

Business Travel

Work related travel

Individual

Car Dealer

Theft, weather related damages

Individual

Caravan

Accidental damage, flood, fire, liability,
storms, theft, lost keys, destruction and glass damage.

Individual

Care
Home

Long term care at home, nursing care,
sheltered accommodation.

Individual

Casualty

Loss of property, damage to liability like
vehicle, theft and casualty in elevator.

Individual

Cat

Any accidents, illness, hereditary
conditions, flea control, hospitalization, surgeries.

Individual

Catering

Stock (high risk stocks like wine, spirits
and tobacco), building, fixtures and fittings, glass and sanitary fittings,
interruption to business, products liability, public liability, deterioration
of stock, personal accident, employers liability, book debts, money and
personal assault, commercial legal expenditure.

Individual

Chauffeur

Vehicle replacement, breakdown, accident,
glass breakage, public liability.

Individual

Chemist

Loss of stock, earnings. Accidental damage,
destruction, public liability, legal costs, computer breakdown.

Individual

Church

Damage to property, cost of replacement,
liability towards others, personal injury, medical treatments, workers’
compensation, church vehicle, fine arts.

Individual

Classic Car

Value of car, bodily injury, property
damage, accident by uninsured motorist, collision, damage from fire, theft,
wind, hail, flood, destruction etc. Medical treatment, personal injury.

Individual

Commercial

Loss to personal or real property, damage
to machinery, builder’s risk, interruption to business, burglary, robbery or
money, securities, stocks and employee fixtures, theft, liability.

Individual

Computer Consultant

Professional liability, Lawsuits due to
failure of technology services. Lawsuits due to negligence and breach of
warranty.

Individual

Computer Contractors

Personal accident, sickness, business
travel, indemnity, damage to property, legal expense.

Individual

Computer

Accidental damage, damage due to water
spillage, theft.

Individual

Concert & Gig

Lawsuits arising from liabilities like
physical damage, third party property damage. Replacement cost of stolen of
damaged equipment, sets, wardrobe, prop, cancellation of event, medical
treatment costs, liquor liability and automobile liability.

Group

Condo

Burglary, damage from water, injury to
another third party, loss of personal property and damage to the interior of
your unit.

Individual

Conference

Bodily injury, property damage, coverage
for rental equipment, business crime, liability coverage, event cancellation.

Individual

Construction

Accidents in construction site, personal
injury, death.

Individual

Contents

Fire, Flood, Theft, any other peril.

Individual

Corporate-Owned
Life insurance

To prevent loss of key executive, to
finance benefit plans.

Credit

When an individual is unable to pay back
loans, disability, involuntary unemployment during term of coverage, loss or
damage of property.

Individual

Critical
Illness

Critical illness as covered by policy.

Individual

Crop

Catastrophe, Hail, Fire, Lightning,
Vandalism, transit, loss of stored grain, lost revenue caused by low prices
or low yields or a combination of the two.

Individual

Cyber
Space Liability

Threat to privacy, infringement of
intellectual property, virus infection, trouble from any third party
transferred via the web.

Dental

Tooth injuries, accidents, illness,
cleaning, dental checkups, tooth and gum disease, tooth extractions, fixing
chipped teeth. Orthodontics, denture work.

Individual

Disability

Medical condition that makes you unable to
earn for a specific period of time.

Individual

Driver

Bodily injury, property damage liability.
Comprehensive and collision coverage, medical treatment.

Individual

Dog

Accidents, illness, preventive care
including surgeries, diagnostic testing, hospitalization, X-rays, lab fees,
office visits and more.

Individual

Earthquake

Damage to property or bodily damage due to
earthquake.

Individual

Employment practice liability(EPLI)

Discrimination, breach of contract,
negligent evaluation, sexual harassment, wrongful discipline, emotional
distress, mismanagement of employee benefit plans.

Engineering

Sudden and unforeseen damage that includes
breakdown from an internal defect. Accidental damage for plant as well as
equipment, injury to contract workers.

Individual

Event

Special events, annual events, exhibitions,
wedding, Cancellation of events, Damage to event.

Individual

Exotic Animal

Theft, expensive vet fees, accident,
sickness, disease, fire, lightning, storms etc.

Factory

Fire, theft, flood, accidental damage,
product liability, employers liability, goods in transit etc.

Farm

Liability, physical damage, third party
property damage, medical treatment for participants and spectators, damage
due to bad weather, earthquake, flood, damage to rented equipment, props,
sets and wardrobe.

Individual

Festival
& Carnival

Damage to farm buildings, machinery,
fencing, hay, livestock, property in transit and contents due to fire,
storms, theft, burglary and any other event defined in policy.

Fair

Public liability claims made by visitors to
the fair, damage to property used in the fair, claims made by employee,
cancellation and abandonment of fair.

Both

Fish
Stock

Accident, illness/disease, loss of use.

Footballer

Loss of income due to injury, illness or
death.

Funeral

On account of the policy holder’s death.

Individual

Gadget

Theft, Loss, Accidental Damage.

Both

Garage

Bodily injury, property damage or
destruction of goods.

Individual

General

Casualty and damage to property.

Individual/Group

Golf

For player: Death, loss of organs, medical
expense.

For others: Loss of life, lawsuits, medical expense.
For policy holder’s equipment: Damage, theft.

Individual/Group

Group

Individuals looking for health insurance.
Treatment for mental health and availing prescription drugs.
For policy holder’s equipment: Damage, theft.

Group

Health

Medical treatment, illness, accident, any
medical condition.

Both

Holiday Home

Accidental damage to property and building
contents, Damage to outbuildings, garages and swimming pools, theft of
content from outbuilding. Fire, flood, oil leaks, collision/impact damage,
loss of rent, alternative accommodation, legal liabilities to third parties.

Individual

Home
Owners

Damage from fire, theft, storm and
lightning. Damage from flood and earthquake under special insurance policies.

Individual

Horse

Death due to any cause. Cost of major
medical and surgical treatment. Loss of use. Accidental death.

Hotel

Flood, earthquake, wind, business
interruption, boiler and machinery, flood clean up expenses, crime, builder’s
risk, liability, liquor liability, compensation for workers, injury
on-the-job.

Household

Burglary, fire, flooding, accidents,
property damage, liability towards others.

Income Protection

Loss of income due to inability to work
from an accident or a serious illness.

Individual

Industrial Plant

Work related injuries, medical treatments,
hospitalization and related services, loss of income due to injury.

Individual

IT Workers

Liability to third party for causing
financial loss.

Individual

Jewelry

Thefts, damage, disappearance, repair of
jewelry, jewelry replacement cost.

Individual

Key
man

Untimely death or disability of a top and
very important person in an organization – a salesperson, an executive or
business owner.

Individual

Kidnapping
and Ransom

Kidnap, ransom demand and extortion.

Individual

Landlord

Material loss or damage of the building or
its contents.

Individual

Legal Expenses

Personal injury, disputes from employment
and damage to property ant legal claim made by policy holders.

Individual

Lenders
Mortgage

Outstanding on loan, loan default.

Individual

Liability

Third party claim, damage to third party.

Individual

Life

Deaths, terminal illness, critical illness,
need to replace income for dependants, create inheritance.

Individual

Loan

Protect monthly loan payments in case of
unemployment or disability, accident or sickness.

Individual

Long
Term Care

Disability, chronic illness, adult day
care, cost of visiting nurses, nursing home care.

Individual

Magician’s

Public liability, employer’s liability,
damage or loss of equipment.

Manufacturing

Public liability, damage of product,
employers’ liability,
interruption of business, loss of money, breakage of goods and glass in
transit, personal assault.

Marine

Loss or damage to ships, terminals, cargo,
property in transit.

Individual

Media

Employers liability, public liability,
products liability, directors’ and officers’ liability, damage to equipment,
accident, legal protection.

Medical Supplies

Theft, damage to medical equipment.

Mortgage

Death, disability or mortgagor, default of
loan amount.

Individual

Mortgage
Life

Pay mortgage incase of the policyholder’s
death.

Individual

Motorcycle

Damage to accessories, bodily injury
liability, cost of medical treatment, personal injury protection, accident
with uninsured/underinsured motorists, damage due to theft, destruction,
flood, fire, and other listed perils, hitting or getting hit by another
vehicle or object, damage to someone else’s property arising from an
accident.

Individual

Motor Fleet

Breakdown, recovery, detachment of trailer.

Object

Motor Sport

Accidental damage, damage from fire,
driver’s accident, accident of co-drivers and team members.

Group

Motor Trader

Road risks, liability, damage to third
parties property, loss of business, damage to business due to illness of
employees, damage to vehicle in transit.

Individual

Musician

Theft or damage of instrument, personal
accident, illness, bodily injury to third party, car insurance for touring
musicians.

Individual

Newsagents

Contents, fixtures, fittings and stock.
Theft, employer’s liability, public liability, product liability.

Both

Nightclub

General liability, damage to property,
building, contents, tenant improvements, loss of income, liability for
liquor, assault, worker’s compensation,
injury out of accident.

Individual

No
Fault

Accident, injuries from accident, fixing
damaged vehicle, medical treatment.

Individual

Office

Damage to equipment, fittings as well as
fixtures, damage or loss of stock and goods in transit, business
interruption, protect money that is kept on the premises or money that rests
with an employee of the office.

Group

Oil Refinery

Damage or pollution to vehicle and contents
of tank as well as cargo, accidental third party pollution, spill response,
environmental response.

Both

Parametric

Natural catastrophe, series of losses due
to a catastrophe.

Both

Patent
Infringement

Piracy, liability/damages to the
policyholder, need to defend patent rights, legal/litigation expenses borne
by policyholder.

Individual

Permanent
Life

Those who want to accumulate policy cash
value in order to fund an education, secure retirement, or any other goal for
the future. For tax-favored treatment of cash value permanent policies.

Individual

Pet

Illness, treatment cost, surgeries,
prescriptions, treating diseases.

Individual

Petrol Station

Loss of or damage to material, car wash
equipment, public liability, goods in transit, filling pumps, buildings, shop
contents, canopies money. Employer’s liability and business interruption.

Individual

Pharmaceutical Manufacturers

Managed Care

Individual

Pharmacy

Prescription plans, Brand name drugs,
generic drugs.

Individual

Photographer

Damage to property, theft of equipment. In
case of a crime and general liability to third party.

Individual

Political
Risk

Political risk, political violence like
civil unrest, war, terrorism. Governmental and asset confiscation. Debunking
of contract, on demand guarantees, inability to convert foreign currency.

Individual

Product Liability

Damage or injury arising from a product,
faulty products.

Individual

Professional Indemnity

Breach of duty, contravention on other’s
trademarks, copyrights and broadcasting rights, los of document belonging to
clients, liability arising due to theft of client’s money.

Individual

Professional Liability

Own a business, financial losses from
lawsuits filed by clients.

Individual

Property

Damage from fire, theft, water,
earthquakes, floods, nuclear incidents, war and acts of terrorism.

Individual

Pub & Public House

Employers and public liability, damage to
business contents, loss of liquor license.

Individual

Reinsurance

Risk of loss of insurance companies,
inability to settle claim made by customer.

Individual

Renters

Damage to possessions inside the building
as renter, Protection of furniture, electronic equipment from fire, theft, or
wind damage from hurricane.

Individual

Restaurant

Property insurance, damage to contents,
business income, contamination of food, crime, employee dishonesty, worker’s
compensation, excess liability, general liability, and valet liability
(includes physical damage to auto).

Individual

Return
of Premium Life

Loss of life. Savings for a particular term
if death does not occur.

Individual

Revocable

To protect against any faulty beneficiary.

Individual

RV

Protection for travel trailer and motor
home, total loss replacement, emergency expense, unlimited towing, roadside
assistance. Bodily injury, property damage, medical treatments, collision,
uninsured/underinsured motorists.

Individual

Second Home

Damage to building, contents of building,
property and third party liability.

Individual

Self

Protection against unknown risks.

Individual

Service Garage

Cost of repairing or replacing vehicles
when damaged or destroyed.

Individual

Shop

Liability towards employees for on-the-job
injury, public liability, stock protection, contents, cash cover.

Individual

Show
Car

Theft or any form of damage

Individual

Specialist Car

Accidents, theft of parts, liability,
damage in car shows, damage during shipment to another state or country.

Individual

Specialist Home

Increased fire risk, high replacement
costs, damage to contents in high value buildings, flood risks, unoccupied
property.

Individual

Specialist Travel

Pre-existing medical conditions, elderly
individuals.

Individual

Sports

Accident, injury, travel, liability for
club and members, prize indemnity, damage to sport arenas.

Individual

Sports Car

Accidents, replacement cost, theft, fire,
legal expenses, breakdown, road rage, glass breakage.

Individual

State
Disability

Loss of wages due to disability not caused
by your work.

Individual

Student Travel

Medical treatment, trip interruption,
emergency travel, health services.

Both

Students

Accidental damage to home content,
possession in student accommodation, loss due to theft of money, loss of
credit cards, travel.

Individual

Taxi

Breakdown, damage, public hire, private
hire, fleet cover.

Individual

Term
Life

To cover short term goals like a loan,
extra life insurance protection.

Individual

Terrorism

Major terrorist attack

Individual

Title

Hidden title, protection for lenders and
mortgagee as well as owners. Protects against loss from hazards and defects.

Individual

Tradesman

Employers’ liability, public
liability, property damage, injury.

Individual

Travel

Trip cancellation and interruption, medical
expenses, transportation, stolen or lost baggage.

Individual

Truck & Lorry

Accidents, fire damage, theft, vandalism,
natural disasters.

Individual

Uninsured
Motorist

Injuries caused to you and your passengers
by an uninsured motorist. Property damage caused due to an auto accident by
an uninsured/underinsured motorist.

Individual

Universal
Life

In the event of death and to make tax deferred
savings

Individual

Van

Breakdown, legal expenses, accident,
vandalism.

Individual

Variable
Life

Premature death

Individual

VIP Home

Loss or damage to property.

Individual

VIP Travel

Trip interruption, delay, lost baggage,
medical assistance, trip cancellation.

Individual

Warehouse

Contractual liability, breakage, improper
handling of goods, loss of goods, damage to goods, employer’s liability,
public liability.

Both

Weather

Damage from heavy rainfall, snow,
temperature, wind, severe adverse weather

Individual

Website

Cyber liability, crime risks, hacking,
crisis management, loss of revenue

Individual

Wedding

Cancellation, damage to wedding dress. Loss
of deposit, wedding ring. Severe weather condition, transportation shutdown,
damaged gifts, sudden illness, venue, any other additional expense

Individual

Whole
Life

For people who need lifetime insurance,
need tax-deferred cash value.

Individual

Workers’
Compensation

Lawsuits resulting from on-the-job
accidents, loss of income, medical care for employees

Both

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