If you’re a general freight hauler operating across Florida, you need commercial auto insurance and cargo insurance to protect your trucks and loads. At Barefoot Insurance Brokers, we’re thrilled to share a carrier update allowing eligible businesses to qualify for BI/PD limits exceeding $500,000 Combined Single Limit (CSL) with fewer than three at-fault accidents.
Insurance for Florida Freight Haulers
Freight hauling involves transporting goods across cities like Miami, Orlando, Tampa, and beyond, exposing your trucks to risks like accidents, cargo damage, or liability claims. Our carrier partners—Progressive, GEICO, Kemper Commercial, and more—offer trucking insurance and cargo insurance to keep your business protected statewide.
Why Barefoot Insurance Brokers?
Based in Margate, FL, we’re an independent insurance brokerage specializing in commercial truck insurance for Florida haulers. We shop multiple carriers to find you affordable coverage with high CSL limits, whether you’re an owner-operator or manage a freight hauling fleet.
Benefits of Higher BI/PD Limits and Cargo Insurance
With BI/PD limits over $500,000 CSL and cargo insurance, you’ll benefit from:
Protection against liability claims from accidents on I-95 or the Florida Turnpike.
Coverage for damaged or lost cargo during transport.
Financial security for your freight hauling business across Florida.
Get Your Free Quote Today
Ready to secure commercial auto and cargo insurance for your freight hauling business? Contact Barefoot Insurance Brokers at 954-368-0060 for a free trucking insurance quote. Let us find the best rates for your Florida operations.
About the Author
Julia Dourvetakis is a Licensed Independent Insurance Agent with North Broward Insurance Solutions, Inc., bringing over 30 years of experience to the insurance industry. She specializes in coastal property insurance, workers’ compensation, general liability, and professional liability coverage. Julia is licensed to sell commercial insurance products in Florida, Mississippi, North Carolina, and Colorado. To connect with Julia for tailored insurance solutions, email her at julia@northbrowardinsurance.com or call/text 954-866-5723.
As a business owner in Coral Springs, FL, you know the importance of keeping your commercial vehicles insured. At Barefoot Insurance Brokers, we’re excited to share an important update from one of our trusted carriers that could elevate your coverage. Businesses in industries like dry cleaning, laundry, and carpet cleaners, social and health services, and equipment rental and leasing can now qualify for BI/PD limits exceeding $500,000 Combined Single Limit (CSL)—provided your quote or policy has fewer than three at-fault accidents.
New Opportunities for Coral Springs Businesses
Our carrier partners, including Progressive, Ascendant Insurance, National General, GEICO, Bristol West, and Kemper Commercial, have updated their criteria to offer higher BI/PD limits to the following business classes:
Septic Waste Removal
Furniture & Home Furnishing Stores
Dry Cleaning, Laundry & Carpet Cleaners
Disinfecting & Pest Control Services
Janitorial & Building Maintenance Services
Equipment Rental & Leasing
Repair Services
Social & Health Services
Entertainers & Musicians
This is great news for Coral Springs businesses looking to strengthen their commercial auto insurance while navigating the busy streets of Broward County.
Why Partner with Barefoot Insurance Brokers?
Located in Margate, FL, Barefoot Insurance Brokers is an independent insurance brokerage dedicated to serving businesses across Broward County and throughout Florida. We specialize in commercial auto insurance, shopping policies from multiple carriers to find you the best coverage at the right price. Whether you run a dry cleaning service in Coral Springs or a social services organization in Parkland, we’ll tailor a policy to fit your needs. For example:
Dry Cleaning & Laundry: Protect your delivery vans from liability claims.
Social & Health Services: Ensure your vehicles are covered for client transport.
Equipment Rental & Leasing: Safeguard your rental fleet against accidents or damage.
The Benefits of Higher BI/PD Limits
Higher BI/PD limits (over $500,000 CSL) offer greater protection against the financial risks of accidents, lawsuits, or property damage. This is especially critical for businesses in Coral Springs, where heavy traffic and frequent client interactions increase liability risks. With Barefoot Insurance Brokers, you can secure customized coverage that meets your budget and business goals.
Get Started Today
Ready to explore higher commercial auto insurance limits for your Coral Springs business? Contact Barefoot Insurance Brokers at 954-368-0060 for a free, no-obligation quote. Let us shop top carriers like Progressive, GEICO, and Kemper Commercial to find the perfect policy for your Broward County business.
About the Author
Julia Dourvetakis is a Licensed Independent Insurance Agent with North Broward Insurance Solutions, Inc., bringing over 30 years of experience to the insurance industry. She specializes in coastal property insurance, workers’ compensation, general liability, and professional liability coverage. Julia is licensed to sell commercial insurance products in Florida, Mississippi, North Carolina, and Colorado. To connect with Julia for tailored insurance solutions, email her at julia@northbrowardinsurance.com or call/text 954-866-5723.
Are you a business owner in Fort Lauderdale, FL, looking to protect your commercial vehicles with robust insurance coverage? At Barefoot Insurance Brokers, we’re excited to share a game-changing update from one of our top carriers that could benefit your business! If you operate in industries like septic waste removal, furniture and home furnishing stores, or janitorial and building maintenance services, you may now qualify for Bodily Injury/Property Damage (BI/PD) limits starting as low as $10,000/20,000 exceeding $500,000 Combined Single Limit (CSL) for both new and existing policies. We even work with insurers offering up to $2 million liability limits on the primary auto policy.
What’s New for Fort Lauderdale Businesses? One of our trusted carriers—partners like Progressive, Ascendant Insurance, National General, GEICO, Bristol West, and Kemper Commercial—has expanded eligibility for higher BI/PD limits. Businesses in the following classes can now access these enhanced limits, provided their quote or policy has fewer than three at-fault accidents:
Septic Waste Removal
Furniture & Home Furnishing Stores
Dry Cleaning, Laundry & Carpet Cleaners
Disinfecting & Pest Control Services
Janitorial & Building Maintenance Services
Equipment Rental & Leasing
Repair Services
Social & Health Services
Entertainers & Musicians
This update means your Fort Lauderdale-based business can secure higher coverage limits to protect against costly accidents, lawsuits, or property damage—giving you peace of mind while you focus on growing your company.
Why Shop with Barefoot Insurance Brokers? As an independent insurance brokerage in Margate, FL, we specialize in commercial auto insurance across Florida, including Broward County. Unlike direct insurers, we work with multiple carriers to find you the best coverage at competitive rates. Whether you run a septic waste removal company in Fort Lauderdale or a furniture store in Lauderdale-by-the-Sea, we’ll shop policies from top carriers to meet your unique needs. Our team understands the local challenges Fort Lauderdale businesses face, from navigating busy I-95 traffic to managing fleet operations. With this carrier update, now is the perfect time to review your commercial auto insurance and explore higher BI/PD limits to safeguard your business.
Why Higher Limits Matter for Your Business
Higher BI/PD limits (over $500,000 CSL) provide greater financial protection in the event of an accident. For example:
Septic Waste Removal: Protect your fleet from liability claims if a spill or accident occurs.
Furniture Stores: Cover delivery trucks against costly property damage or injury claims.
Janitorial Services: Ensure your vehicles are protected when traveling between job sites across Fort Lauderdale.
Don’t risk being underinsured. With Barefoot Insurance Brokers, you can secure tailored coverage that fits your budget and business needs. Get a Free Quote Today!
Ready to explore higher commercial auto insurance limits for your Fort Lauderdale business? Barefoot Insurance Brokers is here to help. Contact us today at 954-368-0060 to get a free, no-obligation quote. Let us shop the best policies from Progressive, GEICO, Kemper Commercial, and more to protect your business in Fort Lauderdale, Broward County.
About the Author
Alexandra “Allie” Horblitt is a Licensed Independent Insurance Agent with North Broward Insurance Solutions, Inc., bringing over 14 years of industry experience to her clients. She specializes in marine artisan insurance, workers’ compensation including USL&H, general liability, and commercial auto coverage. Allie is licensed to sell commercial insurance products in Florida, Georgia, Colorado, Indiana, Ohio, and Virginia. To connect with Allie for customized coverage solutions, email her at allie@northbrowardinsurance.com or call/text 786-440-8242.
At Barefoot Insurance Brokers, we pride ourselves on delivering top-tier insurance solutions to businesses in Florida, Georgia, Colorado, and Texas. We’re excited to highlight recent expansions from Bristol West Insurance Group, a Farmers Company, that are reopening key business classes in their Commercial Auto program. These changes are tailored for service-based operations in our serviced states, providing more flexibility and quoting potential than ever before.
Whether you’re hauling freight in Georgia, renting equipment in Texas, or providing health services in Colorado or Florida, these updates could unlock better coverage for your commercial vehicles. Here’s a closer look at the reopened classes:
Equipment Rental & Leasing
Companies renting furniture and home appliances or party and event supplies (such as tents, tables, and inflatables) now have access to specialized auto insurance options. This is perfect for businesses in our multi-state footprint looking to safeguard their operations efficiently.
Other For-Hire Trucking Operations
Ideal for general freight haulers, independent drivers serving multiple clients, and small fleet operators without specific cargo classifications. If you’re navigating the roads of Florida, Georgia, Colorado, or Texas, this class offers the adaptability your trucking business deserves.
Social & Health Services
This versatile category covers environmental agencies, occupational therapists, rehabilitation centers, and support groups. It’s designed to support the vital work you do, ensuring your vehicles are protected across our key states.
Barefoot Insurance Brokers is committed to helping you capitalize on these opportunities with Bristol West. Our expertise in multi-state coverage means we can customize policies that fit your unique needs.
Don’t miss out – reach out to us for a no-obligation consultation and explore how these expansions can benefit your business. Head to our site or contact our specialists today!
About the Author
Julia Dourvetakis is a Licensed Independent Insurance Agent with Barefoot Insurance Brokers, bringing over 30 years of experience to the insurance industry. Julia specializes in commercial auto, commercial auto fleets, coastal property insurance, workers’ compensation, general liability, and professional liability coverage. Julia is licensed to sell commercial insurance products in Florida, Mississippi, North Carolina, and Colorado. To connect with Julia Dourvetakis for tailored insurance solutions, email her at julia@barefootins.com or call/text 954-866-5723.
Protect your coastal investment with a program designed for the realities of the Gulf. Whether you manage a condo association on the Florida Panhandle, own multifamily in Tampa Bay, or sit on an HOA board along Mississippi’s Gulf Coast, you need coverage that stands up to hurricane seasons, ordinance updates, and rental income risk.
Meet Julia Dourvetakis of Barefoot Insurance Brokers—licensed in Florida and Mississippi—who helps property managers, owners, and HOA boards secure coastal-focused insurance with strong limits and smarter options.
Why coastal properties need a different approach
Gulf Coast buildings face unique exposures—named storms, wind-driven rain, code upgrades after a loss, and the risk of rental interruption when units are uninhabitable. Standard policies often leave gaps or use deductibles that don’t match your risk tolerance. Julia’s market access and coastal expertise help you compare terms, deductibles, and special form endorsements so you’re not surprised when a claim hits.
Program Highlights at a Glance
Wind & No-Wind Options:
Up to $3 million per occurrence with wind
Up to $2 million per occurrence without wind
Up to $20 million in Total Insured Value (TIV) across eligible schedules
Difference-in-Conditions (DIC) available if needed—to help address gaps standard property forms may not cover.
Business Interruption & Extra Expense—keep operations moving while repairs are underway.
Loss of Rents—protect cash flow for rental units and associations.
Law & Ordinance Coverage—fund required code upgrades (Coverage A/B/C as eligible).
Competitive Coastal Rates—built for Florida & Mississippi risk profiles.
Coverage availability, limits, and deductibles are subject to underwriting and policy terms. Not all options available for all properties.
Tailored for property managers, owners & HOA boards
Condominium & HOA Associations: Align hurricane/wind deductibles with reserve strategies; address ordinance compliance for older buildings.
Multifamily & Mixed-Use: Protect rental income and speed unit turn-back with extra expense provisions.
Commercial & Community Properties: From clubhouses to retail pads, keep cash flow intact during repairs.
Florida & Mississippi Service Areas
Serving coastal communities across the Florida Panhandle, Tampa Bay, Southwest Florida (Naples/Fort Myers), Sarasota–Manatee, and the Nature Coast, plus the Mississippi Gulf Coast—Gulfport, Biloxi, Ocean Springs, Bay St. Louis, Pascagoula, and surrounding markets.
Smarter deductibles. Fewer surprises.
Hurricane and windstorm deductibles can be percentage-based or flat. Julia helps boards and owners balance premium savings against worst-case out-of-pocket costs—so your budget (and reserves) are prepared when the wind blows.
What to expect when you work with Julia
Risk & Coverage Review: Current policy analysis to identify gaps.
Market Comparison: Quotes across multiple coastal carriers and programs.
Deductible Strategy: Align storm deductibles with reserves and cash flow.
Board-Ready Summaries: Clear side-by-side comparisons for votes and approvals.
Ongoing Advocacy: Annual remarkets, renewal strategy, and claim support.
Get a proposal built for your building
Ready to compare options for your coastal property or association?
Contact Julia Dourvetakis Phone: 954-368-0060, x 5 Email:julia@barefootins.com Agency: Barefoot Insurance Brokers
FAQ
What is Difference-in-Conditions (DIC)? A specialized policy form that can help address gaps left by standard property insurance. It’s commonly used for hard-to-insure perils or exclusions and is tailored to specific risks and locations. Eligibility and scope vary.
Why is Law & Ordinance coverage important? After a loss, many jurisdictions require you to rebuild to current code. Law & Ordinance coverage can help fund demolition, increased construction costs, and the cost to upgrade undamaged portions as required—expenses that standard policies may not fully cover.
How does Loss of Rents/Business Interruption help? If units or spaces can’t be occupied after a covered loss, these coverages can replace lost rental income and provide extra expense funds to speed reopening.
Can I combine properties to reach higher TIV? In many cases yes—subject to underwriting. Julia can structure schedules to pursue up to $20 million in TIV where eligible.
About the Author Julia Dourvetakis is a Licensed Independent Insurance Agent with Barefoot Insurance Brokers, bringing over 30 years of experience to the insurance industry. She specializes in coastal property insurance, workers’ compensation, general liability, and professional liability coverage. Julia is licensed to sell commercial insurance products in Florida, Mississippi, North Carolina, and Colorado. To connect with Julia for tailored insurance solutions, email her at julia@barefootins.com or call/text 954-866-5723.
A recent Sun Sentinel article (August 16, 2025) raised a critical question: should high-rise residents stay during a Category 5 hurricane—or evacuate? While some concrete-and-steel buildings are designed to endure extreme winds, experts caution that evacuation is often the safest choice due to risks like flooding, power outages, debris, and limited emergency response access.
Why Evacuation Is the Safer Option
Category 5 winds exceed 157 mph, capable of causing catastrophic building damage—especially when combined with storm surge and flooding Wikipedia.
Even structurally sound high-rises can become unsafe due to broken glass, elevator failures, prolonged power loss, or compromised emergency systems.
Emergency officials consistently advise evacuating when warned, as delays can become life-threatening AP News.
Insurance: Know What’s Covered—and What’s Not
If you’re a high-rise condo owner in Florida, it’s crucial to understand how insurance works before disaster strikes:
Condo Association (Master) Policy Typically covers the building’s exterior and common elements, like walls, roof, and lobby. Windstorm and hazard coverage is mandatory for Florida coastal associations—though some may attempt to exclude wind coverage, this generally requires member approval Williams Law.
Your Individual HO‑6 (Unit‑Owners) Policy Covers what’s inside your bare walls—including walls, floors, ceilings, personal belongings, loss of use, liability, and assessments from damage to shared areas Slide InsuranceMerlin Law Group.
It’s vital to confirm that your policy includes windstorm damages, hurricane deductibles, and loss assessment coverage.
Hurricane Deductible Details Florida requires insurers to offer hurricane deducibles—often fixed dollar amounts ($500) or percentages (2%, 5%, 10% of dwelling limit) myfloridacfo.com. Know your deductible and how it applies to each claim.
Coverage Gaps Can Be Costly Without proper HO-6 coverage, you could be left footing the bill for interior repairs, replacement of belongings, temporary living expenses, or fees levied by your association.
What You Can Do Now
Review both your association’s policy and your HO-6 policy—especially coverage for wind, content, loss assessments, temporary living expenses, and liability.
Clarify your hurricane deductible: Understand its amount, how it’s applied, and if it resets each storm season.
Assess gaps or overlaps—for example, if your unit’s walls-in coverage is inadequate or if your personal property isn’t fully protected.
Let Barefoot Insurance Brokers Help
Improve your storm preparedness and peace of mind with expert guidance:
Schedule a policy review with Barefoot Insurance Brokers to ensure your HO-6 coverage aligns with your building association’s master policy.
We also offer tailored quotes for your condominium association’s insurance, helping you compare and secure the right scope and pricing.
Located in Florida, we specialize in hurricane-savvy coverage—our clients get clarity and confidence before the next storm hits.
In summary: Evacuating during a Category 5 storm is the prudent choice—even in well-built high-rises. But beyond evacuation, being insurance-ready is just as critical. Don’t wait until it’s too late—connect with Barefoot Insurance Brokers now to review and shore up your coverage.
About the Author Julia Dourvetakis is a Licensed Independent Insurance Agent with Barefoot Insurance Brokers, bringing over 30 years of experience to the insurance industry. She specializes in coastal property insurance, workers’ compensation, Condo Association Packages, general liability, and professional liability coverage. Julia is licensed to sell commercial insurance products in Florida, Mississippi, North Carolina, and Colorado. To connect with Julia for tailored insurance solutions, email her at julia@barefootins.com or call/text 954-866-5723.
