Cook with Caution
According to the U.S. Fire Administration, cooking is the leading cause of home fires.
To help prevent cooking fires, check out these tips
Commercial Insurance Package
Contact Julia Dourvetakis, Commercial Insurance Agent
Julia Dourvetakis, licensed Property & Casualty Insurance Brokers, can assist you with your Commercial Insurance Package for your new, growing or profitizing Landscape business, specializing in Florida lawn carecompanies with 10-25 employees.
Insurance Solutions for Florida Landscapers, Lawn Care Specialists, Landscape Architects and Coastal Designers with or without prior insurance coverage.
Julia Dourvetakis, Commercial Lawn Care Insurance Specialist[/caption]For lawn care companies on Florida’s Treasure Coast—including areas like Vero Beach, Fort Pierce, Port St. Lucie, Hutchinson Island, Stuart, and surrounding towns—there are several insurance products that can provide essential protection, especially for those in the 10-25 employee range. Here’s a brief overview:
General Liability Insurance: Covers bodily injury, property damage, and completed operations that could arise from landscaping activities, equipment use, or accidental property damage at client sites.
Commercial Auto Insurance: Since lawn care companies rely on trucks and trailers to transport equipment, commercial auto insurance is essential for protecting vehicles, drivers, and third-party property in case of an accident.
Workers’ Compensation Insurance: Required for most companies with employees in Florida, this insurance covers medical costs and lost wages for employees injured on the job, which is particularly important given the physical demands of lawn care work.
Commercial Property Insurance: Protects office spaces, garages, tools, and equipment stored on the company premises against risks like fire, theft, or storm damage.
Equipment Breakdown Coverage: A specialized coverage that can cover repair or replacement costs if critical lawn care equipment (like mowers and trimmers) is damaged, helping to reduce downtime and revenue loss.
Inland Marine Insurance: Covers equipment while in transit or on-site, providing extra protection for valuable tools that aren’t covered under a standard property policy.
Umbrella Insurance: Offers additional liability coverage beyond the limits of standard policies like general liability and commercial auto, which is useful for high-risk jobs or large contracts that require higher liability limits.
Each policy type can be tailored to the specific needs of a lawn care business in this region, ensuring they have a well-rounded coverage plan to address both common and unexpected risks.
A licensed insurance broker with Barefoot Insurance Brokers of Florida can better help you understand what’s covered on your existing commercial insurance suite as well as help you find more affordable and efficient insurance products and solutions to scale and grow your business. We recommend that you reach out to Florida Commercial Insurance Specialist Julia Dourvetakis via call or text at 954-866-5723 this holiday season for helpful insurance insight, advice and quotes to protect and grow your landscaping and lawncare asset in 2025 and beyond.
Julia Dourvetakis can service your Commercial insurance needs across the State of Florida.
Commercial Insurance Package
🛥️ Attention Marine Artisan Contractors! 🛥️
Navigating insurance can seem like navigating rough waters, but we’re here to make it smooth sailing for you! Did you know that packaging your Marine Operator Legal Liability (MOLL) insurance with a standard General Liability Insurance can be simple and affordable?
Introducing Julia Dourvetakis, your trusted Independent Insurance Agent with Barefoot Insurance Brokers! Julia specializes in assisting clients in Coastal Indian River county, including Vero Beach, Sebastian, Satellite Beach, Patrick Shores, Indialantic, Cape Canaveral, and throughout Merritt Island with all insurance needs, including coverages for Marine Contractors and Marine Artisan Contractors.
Let Julia guide you through the process and help you find the right coverage tailored to your needs. Protect your business with confidence! 
Contact Julia today to learn more and secure your coverage! Julia is best reached via email julia@barefootins.com or by call/text to 954-866-5723
#MarineInsurance #MOLLIinsurance #GeneralLiability #BarefootInsuranceBrokers #CoastalInsurance #VeroBeach #Sebastian #SatelliteBeach #Indialantic #CapeCanavera l#MerrittIsland
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?
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:
- 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.
- 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 - 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.
- Provide Documentation: Bring any required documentation, such as your driver’s license or identification, vehicle registration, and proof of insurance.
- 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.
- 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.