Why would a Wax Salon need Professional Liability Insurance?

Why would a Wax Salon need Professional Liability Insurance?

A wax technician, like professionals in many service industries, could benefit from having professional liability insurance for several reasons:

1. Protection Against Claims: Professional liability insurance, often called errors and omissions (E&O) insurance, protects against claims of negligence or mistakes made by the technician. For a wax technician, this could include claims related to skin burns, allergic reactions, or improper waxing techniques.

2. Legal Costs: If a client files a lawsuit against the wax technician, the legal fees and court costs can be substantial. Professional liability insurance can help cover these expenses, saving the technician from potentially crippling financial burdens.

3. Peace of Mind: Knowing that they are covered by professional liability insurance can give wax technicians peace of mind. They can focus on providing quality services to their clients without constantly worrying about the possibility of a claim.

4. Business Reputation: In the event of a claim or lawsuit, having professional liability insurance can help protect the technician’s reputation. Clients may view insurance coverage as a sign of professionalism and responsibility, which can be beneficial for attracting and retaining clients.

5. Compliance with Requirements: In some jurisdictions or for certain certifications, professional liability insurance may be a requirement for practicing as a wax technician. Having the appropriate insurance coverage ensures compliance with legal and professional standards.

In summary, professional liability insurance is essential for wax technicians to protect themselves financially and legally from potential claims and lawsuits arising from the services they provide. It offers a safety net that can help them navigate challenges and maintain a successful business.

Contact Julia Dourvetakis today of Barefoot Insurance Brokers for more information on the suite of coverages available for your waxing salon. Julia can be reached by email at julia@barefootins.com or by phone 954-866-5723

#floridasalon #waxsalon #professionalliability #floridainsurance #juliadourvetakis

How do I surrender my license plate to the FLHSMV when I move out of Florida?

How do I surrender my license plate to the FLHSMV when I move out of Florida?


To surrender your license plate to the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) when you move out of Florida, you can follow these general steps:

  1. Remove the Plate: Take off your license plate from your vehicle. Ensure that you keep the registration sticker, as you may need it for documentation. You’ll probably need to purchase insurance and plate your vehicle in your new home state before taking this step.
  2. Visit an FLHSMV Office: Locate a nearby FLHSMV office or tax collector’s office. You can use the FLHSMV website or contact their customer service to find the nearest office. If you’re out of Florida already, the plate can be mailed. The address is: DHSMV
    Return Tags
    2900 Apalachee Parkway
    Tallahassee, FL 32399
  3. Surrender the Plate: Bring the removed license plate to the FLHSMV office. You may be required to complete a surrender form, which can be provided at the office.
  4. Provide Documentation: Bring any required documentation, such as your driver’s license or identification, vehicle registration, and proof of insurance.
  5. Pay Fees (if applicable): Check with the FLHSMV office to see if there are any surrender or processing fees. Some states may require a fee for surrendering license plates.
  6. Obtain a Receipt: Once you have surrendered the license plate, make sure to obtain a receipt or confirmation that you have surrendered it. This can be useful for your records. If you’ve mailed the plate, mail it certified mail with a return receipt and access the FLHSMV servicing portal here to ensure that your driver’s license doesn’t suspend in Florida in about 45 days from mailing the plate. https://mydmvportal-flhsmv.my.site.com/

It’s always a good idea to check with the specific FLHSMV office you plan to visit or contact their customer service for any additional requirements or information specific to your situation. Keep in mind that the process may vary, and it’s essential to comply with Florida’s regulations regarding license plate surrender when moving out of the state. The Phone number for FLHSMV is 850-617-2000.

*Information was primarily obtained from flhsmv.gov

If you have specific insurance or car insurance related questions within the State of Florida or you’re looking for an indpendent auto insurance broker to provide you with auto insurance quotes when you’re new to Florida, please contact Allie Horblitt with Barefoot Insurance Brokers at 786-440-8242 or by email at allie@barefootins.com.

National Impaired Driving Prevention Month

National Impaired Driving Prevention Month

In the month of December, a handful of organizations have banded together to bring social awareness to impaired driving in the United States. The organizations that have deemed this month: “National Impaired Driving Prevention Month”

The Organizations involved in this alliance include:

  • National Highway Traffic Safety Administration
  • U.S. Department of Transportation
  • White House’s Office of National Drug Control Policy
  • U.S. Department of Health
  • Human Service’s Substance Abuse and Mental Health Services Administration

More vehicular related deaths occur during the holiday season than any other time of year making it the clear choice that December was chosen as the awareness month to prevent impaired driving on American roadways and especially within the State of Florida.

Drunk driving, one of many possible impairments while behind the wheel of a car, contributes to a third of traffic fatalities. According to data collected in 2018, the last week of the year drunk driving fatalities increased to half of all traffic fatalities in the United States and almost laterally to the statistics in the State of Florida.

In 2021 there were over 10,000 deaths due to impaired driving across the United States; out of those 799 deaths occurred on Florida roadways.

The most dangerous cities on Florida Roadways are two of our top travel destinations: Orlando and Daytona. In 2016 Orlando was ranked as the 6th most dangerous city in Florida and Daytona ranked the 9th, according to data published by FLHSMV.

If you’re caught, or worse, involved in an accident while driving under the influence of drugs or alcohol in Florida you are subject to some strict penalties including fines, fees and possible jail time. You’re also, as always, responsible for your third-party Bodily Injury Liability that could arise from an incident on a Florida roadway which could directly translate to a lawsuit. The average amount spent on the costs associated with a DWI/DUI in the State of Florida in 2022 is $14,000 for one driver caught driving under the influence without considering the possibility of an injury or accident. 

In addition to the costs, your license would most likely become suspended or revoked and you’d end up needing to take specific advanced driver education within Florida and be forced to carry a Florida FR44 for 3 years from the date of the conviction. 

What is a Florida FR-44?

An FR-44 certificate is a notice to the State of Florida’s FLHSMV that you’ve obtained the proper coverage to be legal to drive on the roadways, with insurance supervision from the state officials. The FR44 is a requirement for people with severe driving offences, such as a DUI/DWI conviction occuring on a Florida roadway. An FR-44 requires higher liability coverage than a SR-22 which is only a $10,000 per person liability requirement to the Florida DMV or FLHSMV. The cost range is typically $600-$2000 every 6 months for a non-owner policy (like if you need the Florida FR-44 Filing but you don’t own a vehicle) and can range in cost between $700-5000 (sometimes more if your car needs physical damage coverage) every 6 months for the required $100,000 per person liability on the Florida FR44 as a vehicle owner. If your license has been suspended and you then become convicted of a DWI in Florida, an FR44 certificate is required in order to reinstate your license and must be maintained continuously without lapse for 3 years.

In the month of December you can display a blue ribbon to bring awareness to impaired driving on the Florida roadways. 

Are you interested in more information on how to prevent impaired driving and what you can do as a consumer and citizens?

Do you need assistance with your Florida FR-44 Insurance filing? If you’re in the market for new FR44 quotes, rates, a new policy or information, call 321-218-3880, extension 6 to speak with Allie Horblitt. 

Allie Horblitt, Insurance Agent with Barefoot Insurance Brokers, works out of both the South Florida and Central Florida offices and can write Florida FR44 Insurance across the state, but specializing in Car insurance coverage in Duval County, Nassau County, Jacksonville, St Johns County, St Augustine, Yulee, all through the Space Coast and the Greater Tampa Area. 

Personal Property Inventory List: “The Importance and how to create a Schedule of Property”

Personal Property Inventory List: “The Importance and how to create a Schedule of Property”

Barefoot Insurance Broker Laurel Schwartz is ready to assist with your Owner and Non-owner Florida SR22

Inventory list

Why Do You Need an SR-22 Insurance Policy in Florida?

If you’ve been told you need an SR-22 in Florida, you may be feeling confused or overwhelmed—but you’re not alone, and help is available. At Barefoot Insurance Brokers, we specialize in assisting drivers across Broward County with obtaining affordable SR-22 insurance, even in complex or high-risk situations.

What Is an SR-22?

An SR-22 is a certificate filed by your insurance company with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) to prove that you carry the minimum required auto liability coverage. It’s often required to reinstate a suspended or revoked license and is a common part of the process for drivers with past violations.

Common Reasons You Might Be Required to File an SR-22:

  • DUI or DWI conviction

  • Driving without insurance

  • Multiple traffic violations or reckless driving

  • License suspension due to unpaid tickets or child support

  • Involvement in an accident while uninsured

  • Reinstating your license after a lapse in coverage

Whether you own a vehicle or not, you’ll need the right type of SR-22:

  • Owner SR-22: For those who own a car.

  • Non-Owner SR-22: For drivers without a car who still need to maintain legal driving status.

Affordable SR-22 Insurance Carriers

Many standard insurers won’t provide SR-22 filings, or they charge hefty premiums. Fortunately, Barefoot Insurance Brokers works with trusted, competitive carriers known for their willingness to work with high-risk drivers:

  • Progressive

  • Dairyland

  • GAINSCO

  • United Automobile Insurance Company

These companies offer flexible and cost-effective SR-22 policies, making them ideal for drivers looking to meet state requirements without overpaying.

Serving Broward County Drivers with Experience and Care

If you’re located in Fort Lauderdale, Lauderdale Lakes, Tamarac, Wilton Manors, or Hollywood, Laurel Schwartz is your go-to agent for fast, reliable SR-22 quotes. With years of experience helping Florida drivers navigate tough insurance situations, Laurel will walk you through the process and make sure your filing is completed correctly and quickly.


📞 Call Laurel Schwartz today at 954-368-0060, ext. 9
📧 Or email laurel@barefootins.com to request your Owner or Non-Owner SR-22 insurance quote.

At Barefoot Insurance Brokers, we help Florida drivers get back on the road—with confidence and compliance.

Navigating the waters of your property insurance in Florida can be a daunting task. While having a personal property inventory is one step of the process, it’s also helpful to have a trusted insurance advisor to discuss coverages, deductibles, sublimits and additional insurance products that can “fill your gaps” and make you whole in the event of an insurance loss.

Don’t hesitate to reach out to Barefoot Insurance Brokers of Titusville today for quotes and information to secure your Florida Home, your property inside and outside of your home and your Central Florida Business. Call us at 321-218-3880 or email allie@barefootins.com for more information today. Allie Horblitt is a licensed insurance agent in Florida with over 10 years of industry experience who would love to help you with your new Titusville, Mims, Cocoa, Viera, Melbourne and Cocoa Beach Homeowner’s Insurance.