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 Alabama, Florida, Georgia, Colorado, Indiana, Ohio, Texas and Virginia. To connect with Allie for customized coverage solutions, email her at allie@northbrowardinsurance.com or call/text 786-440-8242.
Captiva Island living comes with sunshine, coastal commutes, and a lifestyle built on peace of mind. If you’re a responsible, high-credit, low-risk driver, your auto insurance should protect your assets with the same sense of care and intention.
At Barefoot Insurance Brokers, we help preferred drivers across Captiva Island, Sanibel, Fort Myers, and nearby Southwest Florida areas within about 25 miles secure well-rounded auto coverage with local guidance.
Coverage Options Designed for Preferred Florida Drivers
Your policy can include:
• Liability Coverage Protects against claims for injuries or property damage to others.
• Uninsured / Underinsured Motorist Coverage Adds important protection when other drivers carry minimal coverage.
• Physical Damage Coverage (Comp & Collision) Supports repair or replacement of your vehicle after covered losses.
• Florida PIP (Personal Injury Protection) Covers certain injury-related expenses after an accident.
Many preferred drivers on Captiva choose to add a Personal Umbrella Policy. It extends liability protection beyond your auto limits and helps shield your home, savings, and investments in the event of a major claim.
Strong Carriers. Smarter Options. Local Support.
We work with respected carrier partners like:
Travelers • Mercury • GEICO • Progressive • a Farmers product • an Allstate product • and more
We shop coverage levels and pricing with your best interest (and risk profile) in mind.
Talk With A Florida-Based Insurance Broker Who Listens
Ready to explore better coverage with a local, English-speaking agent?
Barefoot Insurance Brokers — proudly serving Captiva Island and surrounding Southwest Florida communities.
About the Author
Laurel Schwartz is a Licensed Personal Lines Independent Insurance Agent with Barefoot Insurance Brokers, known for her expertise in flood insurance, homeowners insurance, personal umbrella coverage, and auto insurance. Laurel has a strong talent for problem-solving and specializes in helping clients navigate harder-to-place auto risks, including FR-44, SR-22, and other non-standard circumstances. She’s committed to finding solutions where others can’t. You can reach Laurel directly at laurel@barefootins.com or call/text 561-290-1207 for personalized support and expert advice.
Margate, Florida – March 6, 2026 – Barefoot Insurance Brokers, a leading provider of Florida Commercial Auto Insurance, is pleased to announce an important underwriting update from Bristol West, a member of the Farmers Insurance Group family.
Effective March 6, 2026, Bristol West is expanding eligibility for higher liability limits in its Commercial Auto program in Florida, allowing more business classes to qualify for Bodily Injury / Property Damage (BI/PD) limits exceeding $500,000 Combined Single Limit (CSL).
This update gives many Florida business owners greater access to stronger liability protection, particularly those operating in transportation and trade sectors throughout the Central Florida corridor and across the state.
Newly Eligible Business Classes for High Limits
Under the updated underwriting guidelines, the following business classes may now qualify for BI/PD limits greater than $500,000 CSL when the quote or policy shows fewer than three total at-fault accidents:
For-Hire Trucking Operations
Agricultural Hauling
Debris Removal
Wholesale Trade
These expanded guidelines help more Florida businesses obtain higher liability protection for vehicles used in daily operations.
Why Higher Liability Limits Matter
For many commercial vehicle operators, higher liability limits are essential to protect against the financial consequences of serious accidents. Businesses involved in hauling, debris removal, or transporting goods often face elevated exposure when operating large trucks or commercial vehicles on Florida highways.
By expanding eligibility for higher limits, Bristol West provides businesses with improved access to coverage that can help safeguard company assets, employees, and contracts that may require higher insurance limits.
Access to Multiple Commercial Auto Carriers
At Barefoot Insurance Brokers, our team works with multiple leading insurers to deliver customized Florida Commercial Auto Insurance solutions for businesses of all sizes. Our agency represents top carriers including:
Progressive Insurance Commercial Auto
Bristol West
GEICO Commercial Auto Insurance
This multi-carrier approach allows our Florida Commercial Auto Insurance Agent team to compare coverage options, underwriting appetite, and pricing to find the right fit for each business.
Supporting Florida Businesses with Smarter Commercial Auto Coverage
From contractors and agricultural haulers to wholesale distributors and trucking operations, Barefoot Insurance Brokers helps Florida companies secure reliable protection for the vehicles that power their operations.
The expanded Bristol West eligibility provides a new opportunity for businesses that previously may have had limited access to higher liability limits.
Contact a Florida Commercial Auto Insurance Agent
Business owners interested in exploring these expanded coverage options are encouraged to speak with a licensed Florida Commercial Auto Insurance Agent at Barefoot Insurance Brokers.
Julia Dourvetakis specializes in commercial auto insurance programs and can help businesses determine eligibility and compare options across multiple carriers.
Barefoot Insurance Brokers proudly serves businesses throughout Central Florida and across the state, helping companies stay protected while they keep Florida moving.
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.
Own a higher-value home in Port St. John, FL? Security First Premier (HO5) offers broader protection design for Florida homeowners. Learn the highlights and contact Kassy Mendez at 754-233-0637 on her cell or in the office @ 321-218-3880.
Security First Premier (HO5): Elevated coverage for Florida’s higher-value homes
If your home has higher-end finishes, upgraded systems, or a larger replacement cost, you may want a policy that matches the reality of what it would take to rebuild and replace what’s inside.
Security First’s Premier (HO5) is positioned as their top-tier homeowners policy for Florida homes in a higher value band (Security First describes it as generally for homes valued roughly $500,000 to $5 million, and not available everywhere).
What is an HO5 policy?
In general terms, an HO5 is considered a more comprehensive homeowners policy type because it typically provides open-perils coverage for both the dwelling and personal property (subject to exclusions/conditions). That means it’s designed to cover more scenarios unless specifically excluded. (As always: the exact coverage depends on the policy language, underwriting, and your home.)
Why Security First Premier HO5 stands out
1) Built for higher-value homes
Security First specifically markets Premier (HO5) to higher-value Florida homes and frames it as “elevated” protection.
2) Coverage enhancements included (as described by Security First)
Security First states Premier (HO5) includes coverage enhancements such as higher special limits for certain personal property categories and personal injury coverage.
3) Discounts and pricing initiatives for eligible homes
Security First announced that some newer homes built in 2024–2025 may qualify for discounts up to 20% on new Premier HO5 policies (effective Oct 17, 2025, per their announcement).
4) Repair network option with vetted Florida contractors
Premier policyholders can also benefit from Security First’s approach to repairs and claims support, including their First Choice Repair Network® (150+ vetted Florida contractors, per Security First).
Who in Port St. John should consider an HO5?
You may want to explore HO5 if you:
Have higher-value contents (furniture, electronics, collections, specialty items)
Prefer broader personal property coverage structure (open-perils, subject to exclusions)
Want a premium policy option intended for higher-value Florida homes
Quick FAQ: Security First Premier HO5
Is HO5 “better” than HO3? It can be broader in how it treats personal property (often open-perils vs named-perils), but “better” depends on your home, budget, deductibles, and risk tolerance.
Do I still need flood insurance? Often yes, because flood is typically separate from homeowners insurance. We’ll help you coordinate a clean plan.
Is Premier HO5 available for every Florida home? Security First notes it’s not available everywhere and is intended for certain home values.
Get a Premier (HO5) quote with Barefoot Insurance Brokers
If you’re curious whether Security First Premier (HO5) fits your home in Port St. John, FL (or anywhere in Brevard County), we’ll shop it correctly and explain the fine print in plain English.
Cape San Blas has that quiet-coast charm that makes every drive along the bay feel like a small luxury. If you’re a careful, financially responsible driver, your insurance should reflect that level of stability and low-risk lifestyle.
At Barefoot Insurance Brokers, we help preferred and standard drivers around Cape San Blas, Port St. Joe, and nearby Gulf County communities (within about 25 miles) secure auto coverage that balances strong protection with smart pricing.
Coverage Options for Preferred Florida Drivers
We’ll help you build a thoughtful policy that can include:
• Liability Coverage Protection for bodily injury and property damage you may cause in an accident.
• Uninsured / Underinsured Motorist Coverage Important protection when the other driver isn’t adequately insured.
• Physical Damage Coverage (Comp & Collision) Helps protect your vehicle from accidents, storms, theft, or unexpected damage.
• State-Required PIP Coverage Covers certain medical-related expenses after an accident, regardless of fault.
Many of our Cape San Blas clients also benefit from a Personal Umbrella Policy. It provides an extra cushion of liability protection above your auto policy limits and can be a powerful way to protect your assets, investment properties, retirement funds, and future earnings.
Carriers Preferred Drivers Feel Confident With
We proudly work with:
Travelers • Mercury • GEICO • Progressive • a Farmers product • an Allstate product • and others
Our role is to compare options, explain coverage clearly, and recommend solutions that support your financial goals.
Work With A Florida-Based Team Who Gets It
If you’re a preferred driver looking for well-priced, well-structured coverage, let’s talk.
Barefoot Insurance Brokers — serving Cape San Blas and surrounding Gulf Coast communities.
About the Author
Laurel Schwartz is a Licensed Personal Lines Independent Insurance Agent with Barefoot Insurance Brokers, known for her expertise in flood insurance, homeowners insurance, personal umbrella coverage, and auto insurance. Laurel has a strong talent for problem-solving and specializes in helping clients navigate harder-to-place auto risks, including FR-44, SR-22, and other non-standard circumstances. She’s committed to finding solutions where others can’t. You can reach Laurel directly at laurel@barefootins.com or call/text 561-290-1207 for personalized support and expert advice.
Radius intent: Cape San Blas, Port St Joe, St Joe Beach, White City, Indian Pass (within ~25 miles)
