Question 1

What is an independent insurance agency?

Accepted Answer

An independent insurance agency like B & B works with multiple insurance carriers instead of representing just one company. This means we can compare rates and coverage options from different insurers to find you the best deal. We work for you, not for the insurance company.

Question 2

Why should I choose B & B Insurance Agency?

Accepted Answer

B & B Insurance Agency has been serving South Florida since 1998. We're a 5-star Google rated, BBB accredited independent agency with over 100 years of combined staff experience. We shop multiple carriers to find you the best coverage at the best price.

Question 3

What areas does B & B Insurance serve?

Accepted Answer

We serve Lantana, West Palm Beach, Lake Worth Beach, Boynton Beach, Hypoluxo, Manalapan, and all of Palm Beach County. Our office is located at 412 North Dixie Highway in Lantana, FL.

Question 4

What insurance companies do you work with?

Accepted Answer

As an independent agency, we work with multiple trusted carriers including Progressive, Bristol West, Universal Property & Casualty, and many others.

Question 5

How do I get a quote?

Accepted Answer

Getting a quote is easy! You can fill out our online quote form, call us at (561) 586-0029 during business hours, or visit our office in Lantana. We typically respond within 1 business hour.

Question 6

Is flood insurance included in home insurance policies?

Accepted Answer

No, flood insurance is NOT included in standard homeowners insurance policies. Because Florida is prone to flooding, homeowners often need a separate flood insurance policy. Your B & B agent can help you find affordable options through the National Flood Insurance Program or private carriers.

Question 7

What is the difference between homeowners insurance and property insurance?

Accepted Answer

Home insurance typically refers to coverage for your primary residence, including the structure, personal belongings, and liability. Property insurance is a broader term that can include rental properties, vacation homes, or commercial buildings.

Question 8

How can I lower my home insurance premium?

Accepted Answer

You can reduce your premium by bundling policies, installing security systems, upgrading your roof to hurricane-resistant materials, adding impact-resistant windows, increasing your deductible, and maintaining good credit.

Question 9

How do I choose the best home insurance policy?

Accepted Answer

Start by assessing your home's value, location, and risk factors. Work with an independent agent who can compare multiple carriers. Look for policies that balance affordability with comprehensive protection.

Question 10

What auto insurance is required in Florida?

Accepted Answer

Florida requires minimum coverage of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). However, these minimums are often insufficient, and our agents recommend higher limits.

Question 11

What is an SR-22 / FR-44 filing?

Accepted Answer

An SR-22 is a certificate of financial responsibility. In Florida, an FR-44 may be required after certain violations like DUI, requiring higher liability limits. B & B Insurance can help you obtain the necessary filing.

Question 12

Does my auto insurance cover rental cars?

Accepted Answer

Your personal auto insurance may extend coverage to rental cars, but it depends on your policy. Check with your agent before renting to understand what's covered.

Question 13

Do I need general liability insurance for my business?

Accepted Answer

While not always legally required, general liability insurance is essential for any business that interacts with customers or the public. Many clients and landlords require it before doing business with you.

Question 14

Is workers' compensation required in Florida?

Accepted Answer

Florida requires workers' compensation for construction businesses with one or more employees and non-construction businesses with four or more employees.

Question 15

What's the difference between personal and commercial auto insurance?

Accepted Answer

Personal auto insurance covers vehicles used for personal purposes. Commercial auto covers vehicles used for business. If you use your vehicle for business, you likely need commercial coverage.

Question 16

Does commercial property insurance cover hurricane damage in Florida?

Accepted Answer

Yes, but wind and hurricane damage typically have a separate, higher deductible (often 2-5% of the insured value). Flood damage requires a separate flood policy. Our agents will help you understand your deductibles and coverage.

Question 17

How much commercial property insurance do I need?

Accepted Answer

You should insure for full replacement cost — the cost to rebuild or replace at today's prices. Underinsuring can trigger coinsurance penalties that reduce your claim payout. Your B & B agent will help assess your property value.

Question 18

Does commercial property insurance cover lost income?

Accepted Answer

Yes, business income (or business interruption) coverage is typically included or available as an add-on. It replaces lost income and covers ongoing expenses if a covered event forces you to close temporarily.

Question 19

What is professional liability insurance?

Accepted Answer

Professional liability insurance, also known as Errors & Omissions (E&O), protects professionals from claims of negligence, mistakes, or failure to deliver services. Unlike general liability, it covers financial harm caused by your professional work or advice.

Question 20

Who needs professional liability insurance?

Accepted Answer

Any professional who provides advice, designs, consulting, or services — including accountants, consultants, IT professionals, real estate agents, architects, and engineers. If a client could claim your work caused them financial loss, you need E&O coverage.

Question 21

Does general liability cover professional mistakes?

Accepted Answer

No. General liability covers bodily injury and property damage to third parties. It does NOT cover claims arising from your professional services or advice. You need a separate professional liability (E&O) policy for that protection.

Question 22

Is garage liability insurance required for Florida car dealers?

Accepted Answer

Yes. Florida's DHSMV requires licensed motor vehicle dealers to carry garage liability insurance as a condition of maintaining their dealer license. The minimum requirements depend on your dealer type and volume.

Question 23

What does garagekeepers insurance cover?

Accepted Answer

Garagekeepers insurance covers damage to customers' vehicles while in your care, custody, or control. This includes damage from fire, theft, vandalism, or collision while vehicles are at your shop or on your lot.

Question 24

Does garage liability cover test drives?

Accepted Answer

Yes. Garage liability covers accidents and damage that occur during test drives conducted as part of your normal business operations. This includes both the test-driven vehicle and damage to other vehicles or property.

Question 25

Is jet ski insurance required in Florida?

Accepted Answer

Florida does not legally require insurance for personal watercraft. However, if you injure someone or damage property, you are personally liable for all costs. Given the speed and power of modern jet skis, we strongly recommend coverage.

Question 26

Does my boat insurance cover my jet ski?

Accepted Answer

Some boat policies can include PWC coverage, but many don't, or limits may be insufficient. A dedicated personal watercraft policy ensures proper coverage. Contact B & B to review your existing policies.

Question 27

How much does jet ski insurance cost?

Accepted Answer

Personal watercraft insurance is very affordable, with your premium depending on the PWC value, horsepower, and coverage limits. Contact B & B Insurance for a free personalized quote.

Question 28

Is Florida a strict liability state for dog bites?

Accepted Answer

Yes. Under Florida Statute 767.01, dog owners are strictly liable for bite injuries — even if the dog has never bitten anyone before and the owner had no knowledge of aggression. There is no 'one free bite' rule in Florida.

Question 29

Does homeowners insurance cover dog bites?

Accepted Answer

Most homeowners policies include dog bite liability coverage, but many exclude certain breeds (pit bulls, Rottweilers, wolf hybrids, etc.) or dogs with a bite history. If your dog is excluded, you can purchase a standalone animal liability policy.

Question 30

What breeds are commonly excluded from homeowners insurance?

Accepted Answer

Commonly excluded breeds include Pit Bulls, Rottweilers, German Shepherds, Doberman Pinschers, Chow Chows, Akitas, Wolf Hybrids, and Presa Canarios. Policies vary by carrier — your B & B agent can help find coverage regardless of breed.

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